Elkhart County, Indiana — Tax Sale & Surplus Procedure

Local operations layer. The legal framework (redemption periods, surplus rights, statutes, case law) lives on the parent page → indiana. This page covers how Elkhart County actually runs it. Legal information, not legal advice. Last verified: 2026-06-02.

C0. Identity

• County seat: Goshen · Population: ~206,991 · Recording unit: county
• FIPS: 18039
• Parent legal framework: indiana
• Selling authority: County Auditor + County Treasurer (annual tax-lien certificate sale under IC 6-1.1-24, conducted through SRI / Zeus auction); Board of County Commissioners (commissioners’ certificate sale of county-held liens); County Sheriff via SRI (mortgage foreclosure sales).

C1. Local Tax Sale

• Conducts own sale? Yes — Elkhart County runs its own annual tax-lien-certificate auction under IC 6-1.1-24, administered jointly by the Elkhart County Auditor (Patricia A. Pickens) and Elkhart County Treasurer (Tina Bontrager). The sale-management vendor is SRI Services, Inc. Source: Elkhart County 2025 Tax Sale Advertisement, https://elkhartcounty.com/documents/11067/Elkhart_County_2025_Tax_Sale_Advertisement.pdf (county site Cloudflare-gated; content confirmed via web search of that document + indianaexchange.com public-notice mirror, retrieved 2026-06-02).

• Platform / venue: In-person at the Elkhart County Administration Building, Room 104, 117 North Second Street, Goshen, IN 46526. If local officials elect an electronic format, the public auction is conducted online at www.zeusauction.com (SRI’s Zeus platform). Location/format updates are posted at www.sriservices.com prior to the sale. Source: 2024 public notice (indianaexchange.com/…/notice-of-real-property-tax-s/AC1E04DD1438808492alB8C941A8) and 2025 advertisement content (retrieved 2026-06-02); SRI county detail https://properties.sriservices.com/countyDetail?stateName=IN&countyName=Elkhart (retrieved 2026-06-02).

• Sale calendar:

  • Frequency: Annual; statute requires the sale between August 1 and November 1 (IC 6-1.1-24-5) — see indiana.
  • 2024 sale: October 8, 2024, 10:00 AM local time, Room 104, Goshen; court-judgment application on or after 09/20/2024; redemption on parcels sold that day expired October 8, 2025. Source: indianaexchange.com 2024 public notice (retrieved 2026-06-02).
  • 2025 sale (most recent): September 16, 2025, Elkhart County Administration Building Room 104, Goshen; the auditor/treasurer applied for court judgment on or after August 29, 2025. Source: 2025 Tax Sale Advertisement content via web search of elkhartcounty.com/documents/11067 + The Goshen News / Wakarusa Tribune publication (retrieved 2026-06-02).
  • 2026 next sale: Not yet confirmed from an official Elkhart County document as of 2026-06-02 (see needs_verification). A secondary aggregator (hometaxsale.com/auction/in/elkhart) lists October 1, 2026 — treat as unverified until the county/SRI advertisement is published. Check https://properties.sriservices.com/countyDetail?stateName=IN&countyName=Elkhart.

• Eligibility trigger: Real-estate parcels with delinquent taxes and/or special assessments of three (3) installments or greater are subject to the tax sale. Source: 2025 Tax Sale Advertisement content (retrieved 2026-06-02).

• Registration requirements:

  • Register online at https://sriservices.com/ to obtain a bidder number; one SRI registration is valid for all Indiana counties SRI services. In-person bidders may also register the morning of the sale — arrive at least 30 minutes early with completed registration and IRS Form W-9.
  • Registration form requires the bidder’s name, address, and telephone number, plus the name and address as they are to appear on the Tax Sale Certificate.
  • Business entities must provide a Certificate of Existence / Foreign Registration Statement from the Indiana Secretary of State (IC 6-1.1-24-5.1, -5.4).
  • A person who owes delinquent taxes on Indiana property (or their agent) may not bid (IC 6-1.1-24-5.3) — see indiana.
  • Source: 2024 public notice (indianaexchange.com) + SRI registration knowledge (sriservices.com), retrieved 2026-06-02.

• Registration deposit: No pre-auction deposit required. Source: SRI county registration content (properties.sriservices.com; hometaxsale.com/auction/in/elkhart corroborating), retrieved 2026-06-02.

• Minimum bid composition: Delinquent taxes + special assessments + current-year taxes + penalties + a $55 postage/publication fee + additional county costs + any unpaid prior tax-sale costs (IC 6-1.1-24-5, -2). Source: 2024 public notice (indianaexchange.com), retrieved 2026-06-02.

• Delinquent list / tax sale list location: The list of properties eligible for the annual tax sale is posted on the SRI tax-sale website and the Elkhart County website (elkhartcounty.com), and published in two local newspapers — The Goshen News and The Wakarusa Tribune. Source: 2025 Tax Sale Advertisement content (retrieved 2026-06-02); SRI county detail page.

• Commissioners’ certificate sale (county-held liens): Parcels not sold at the annual auction may strike off to the Board of County Commissioners, which later offers the certificates of sale by public auction on the internet at www.zeusauction.com (a separate commissioners’ / “C-sale” with shorter 120-day redemption under IC 6-1.1-24-6.1 / IC 6-1.1-25-4(c) — see indiana §2). Source: Elkhart County “Notice of Certificates of Sale” (elkhartcounty.com/en/news/notice-certificates-sale/) and Commissioners’ Certificate Sale notice (elkhartcounty.com/documents/6685/Commissioners_Certificate_Sale.pdf), content via web search (county site Cloudflare-gated), retrieved 2026-06-02.

C2. Local Redemption → framework: right-of-redemption

• Redemption period: 1 year from the date of sale of the certificate at the annual tax sale (IC 6-1.1-25-4); 120 days for certificates struck to / resold by the county executive (commissioners’ certificate sale) and certain political-subdivision certificates. See indiana for the state framework.
• Where to redeem: Redemption money is paid to the Elkhart County Treasurer (Tina Bontrager), 117 North Second Street, Room 201, Goshen, IN 46526; the Auditor endorses and preserves the certificate (IC 6-1.1-25-3). Phone: 574-535-6759; treasurer@elkhartcounty.com. Source: taxsaleresources.com/counties/elkhart-county-indiana + netronline Elkhart (Treasurer 574-535-6759), retrieved 2026-06-02; indiana §2 for the IC 6-1.1-25-3 procedure.
• Redemption amount formula (state formula, Elkhart applies):
  • 110% of the minimum bid if redeemed within 6 months; 115% of the minimum bid if redeemed after 6 months (≤1 year) (IC 6-1.1-25-2).
  • + 5% per annum on the overbid (purchase price minus minimum bid).
  • + 5% per annum on subsequent taxes/assessments the buyer paid after the sale.
  • + statutory costs (title search, notice, attorney fees) per IC 6-1.1-25-2(e).
  • Source: 2024 public notice (indianaexchange.com) + hometaxsale.com/auction/in/elkhart corroborating IC 6-1.1-25-2 (retrieved 2026-06-02); primary statute on indiana.
• Local fees / deviations from state default: No local deviation identified; Elkhart County applies the state redemption formula. The $55 postage/publication line item is folded into the minimum bid (above), which therefore flows into the redemption base.

C3. Local Surplus / Excess Proceeds → framework: surplus-funds

Tax Sale Surplus (Tax Lien Certificate Sales — IC 6-1.1-24-7)

• Statutory right: If a parcel sells for more than the minimum bid and is not redeemed, the owner of record divested of ownership when the tax deed issues may have a right to the tax sale surplus (overbid). This statement appears in the Elkhart County tax-sale notice itself. Source: 2025/2024 Tax Sale Advertisement content (elkhartcounty.com/documents/11067; indianaexchange.com), retrieved 2026-06-02; IC 6-1.1-24-7 — see indiana §3.

• Claim filing venue: Elkhart County Auditor’s Office — the verified claim is filed with the Auditor; approved jointly by the Auditor and the County Treasurer, who issue a warrant to the claimant (IC 6-1.1-24-7).

  • Address: 117 N. Second Street, Room 203, Goshen, IN 46526
  • Phone: 574-535-6719 (auditor main); 574-535-6710 (deductions line)
  • Email: elkhartcountyauditor@elkhartcounty.com
  • Auditor: Patricia A. Pickens
  • Source: web search of elkhartcounty.com auditor contact (Room 203, 574-535-6719, elkhartcountyauditor@elkhartcounty.com) and 2025 advertisement signatory, retrieved 2026-06-02.

• Claim form: No standalone Elkhart County surplus-claim PDF URL was retrieved directly (county site Cloudflare-gated). Indiana counties use the SBOA-prescribed verified surplus claim filed with the Auditor under IC 6-1.1-24-7. Contact the Auditor’s office (574-535-6719) for the current form. See needs_verification.

• Local deadline notes: 3 years from the date the surplus is received; if unclaimed, the Auditor transfers the funds to the county general fund and may not disburse thereafter (IC 6-1.1-24-7), unless the redemption period was extended under federal bankruptcy law. See indiana §3 / §3b.

• Unclaimed-funds list published: needs_verification — no public Elkhart County tax-sale-surplus list URL was retrieved (county site Cloudflare-gated). Contact the Auditor’s office at 574-535-6719.

Mortgage Foreclosure Surplus (Sheriff Sales — IC 32-29-7)

• Mortgage foreclosure (sheriff) sales in Elkhart County are conducted by SRI on behalf of the Elkhart County Sheriff (see C5). Surplus/overage from a sheriff’s sale is distributed through the foreclosure court (the Elkhart Superior/Circuit Court that entered the decree) after costs, the judgment, and junior liens are paid, with any residue to the owner (general IC 32-29-7 distribution — see indiana §4). The Elkhart County Clerk (101 N. Main St., Room 204, Goshen) maintains the foreclosure case files. needs_verification — Elkhart County has no separately published mortgage-foreclosure-surplus program page comparable to Allen County’s; confirm the exact claim desk/process with the Clerk and SRI.

▸ For Investors / Operators — Elkhart runs a tax-lien-certificate sale (overbid → IC 6-1.1-24-7 surplus fund; 1-year redemption at 110%/115% of the minimum bid + 5%/yr, or 120 days on commissioners’-certificate parcels). The path to insurable title is the indiana §5b route: the IC 6-1.1-25-4.6 court petition (judicial-confirmation step) before the deed issues, then quiet title under IC 6-1.1-25-14 in the same Elkhart court. Surviving exposure is the federal residue (indiana §7b — IRS § 7425 120-day redemption, federally-filed CERCLA liens, subsequent taxes). Third-party surplus-recovery agreements are capped at 10% with AG enforcement (IC 6-1.1-24-7.5).

▸ For Former Owners — When an Elkhart parcel sells at tax sale for more than the minimum bid and is not redeemed, the overbid belongs to the divested owner of record. File a verified claim with the Elkhart County Auditor (117 N. Second St., Room 203, Goshen; 574-535-6719), approved jointly by the Auditor and Treasurer; the deadline is 3 years after the surplus is received (IC 6-1.1-24-7), after which the money transfers to the county general fund. Third-party surplus-recovery fees are capped at 10% (IC 6-1.1-24-7.5).

C4. Offices & Contacts

Sources for C4:

• Auditor: web search of elkhartcounty.com auditor page (Patricia A. Pickens; Room 203; 574-535-6719/6710; elkhartcountyauditor@elkhartcounty.com), retrieved 2026-06-02
• Treasurer: taxsaleresources.com/counties/elkhart-county-indiana (Tina Bontrager; Room 201; 574-535-6759; treasurer@elkhartcounty.com) + netronline Elkhart, retrieved 2026-06-02
• Clerk: web search of elkhartcounty.com/en/all-departments/clerk/ + clerk.elkhartcounty.com (101 N. Main St., Room 204, 574-535-6469), retrieved 2026-06-02
• Recorder: netronline Elkhart + taxsaleresources (574-535-6756; PO Box 837, Goshen 46527), retrieved 2026-06-02
• Assessor: https://www.elkhartcountyassessor.com/gisinformation (117 N. Second St.; 574-535-6700), retrieved 2026-06-02
• Sheriff sales: web search of sheriff.elkhartcounty.com/en/resources/sheriff-salesforeclosures/ (SRI conducts since April 2023, 1-800-800-9588), retrieved 2026-06-02

C5. Local Procedure Notes

• SRI / Zeus platform: Elkhart County’s annual tax-lien sale is managed by SRI Services, Inc. Bidder registration is centralized at sriservices.com (good across all SRI-serviced Indiana counties). When held online, the auction runs at www.zeusauction.com; otherwise it is in-person in Room 104 of the Administration Building, Goshen. No pre-auction deposit. W-9 required at registration.
• Three-installment trigger: Parcels qualify for the tax sale at three (3) or more delinquent installments — the Elkhart eligibility threshold stated in its tax-sale notice.
• Commissioners’ certificate sale: Unsold parcels strike off to the Board of County Commissioners; the county later auctions those certificates of sale online at zeusauction.com. These carry a shorter 120-day redemption window (IC 6-1.1-24-6.1 / IC 6-1.1-25-4) and are advertised separately (“Notice of Certificates of Sale”).
• $55 fee line: The Elkhart minimum bid expressly includes a $55 postage/publication charge in addition to taxes, assessments, penalties, and prior-sale costs.
• Sheriff (mortgage) sales: Conducted by SRI for the Elkhart County Sheriff since the April 2023 sale; auctions moved to the 4th Wednesday of every month. Indiana mortgage foreclosure is judicial (IC 32-29-7) with no post-sale redemption (IC 32-29-7-13) — see indiana §4. SRI contact: 1-800-800-9588 / sriservices.com.
• Deviations from state default: None identified beyond the local administrative choices above (SRI/Zeus vendor, Room 104 venue, 4th-Wednesday sheriff sales). The 3-installment trigger and $55 fee are local administrative specifics, not statutory deviations.

C6. Records Access

Sources for C6:

• https://www.elkhartcountyassessor.com/gisinformation (Beacon launch, Elevate→Beacon migration Nov 15 2024), retrieved 2026-06-02
• https://beacon.schneidercorp.com/Application.aspx?App=ElkhartCountyIN&PageType=Map (Beacon Elkhart parcel/GIS), retrieved 2026-06-02
• publicrecords.netronline.com/state/IN/county/elkhart (Treasurer InvoiceCloud, Assessor GIS, Recorder, GIS elevatemaps/Beacon), retrieved 2026-06-02
• https://properties.sriservices.com/countyDetail?stateName=IN&countyName=Elkhart (SRI Elkhart detail), retrieved 2026-06-02

C8. Title & Quiet Title → framework: indiana §5b

• Title instrument: tax_lien_certificate at sale → tax deed after the redemption period and the IC 6-1.1-25-4.6 court petition. The deed is not a warranty deed; it is presumptive evidence of regularity (IC 6-1.1-24-11). See indiana §7.
• Quiet title — required? Not strictly required, but commonly pursued to obtain insurable title. The Elkhart purchaser files in the same Elkhart County court that entered the judgment and order of sale (Elkhart Circuit or Superior Court), per IC 6-1.1-25-14 (“a person who holds a deed executed under this chapter may initiate an action in the court that entered the judgment and order for sale to quiet the title”). Source: IC 6-1.1-25-14, see indiana §5b.
• Judicial confirmation before deed: Yes in substance — the certificate holder petitions the Elkhart circuit/superior court under IC 6-1.1-25-4.6; the court orders the Auditor to issue the deed. See indiana §5b.
• Typical timeline: Indiana quiet-title actions run ~3–6 months uncontested, 6–12 months contested; a third-party certification (e.g., Tax Title Services) can substitute in ~30–40 days for insurance purposes. Source (state-level, inherited): https://www.taxtitleservices.com/quiet-title-action-indiana (retrieved 2026-06-02 on indiana).
• Typical cost: Indiana quiet-title actions average over $4,500 (state-level figure; Elkhart-specific filing-fee/attorney cost not separately retrieved). Source (inherited): taxtitleservices.com Indiana page; see indiana §5b. needs_verification — Elkhart-specific quiet-title cost/timeline.
• Title insurers active locally: needs_verification — no Elkhart-specific underwriter list retrieved. Indiana tax-deed title insurance is generally available after quiet title or certification; First American, Old Republic, Stewart, and Fidelity National write nationally. See indiana §5b.

C9. Purchaser Obligations → framework: indiana §10b

• Subsequent-tax payment office: Pay post-sale taxes/special assessments to the Elkhart County Treasurer (Room 201, 117 N. Second St., Goshen; 574-535-6759). These “subs” are added to the redemption amount plus 5%/yr (IC 6-1.1-25-2(d)) — see indiana §1/§2.
• Notice to owner (pre-deed): The certificate holder (or assignee) must give the IC 6-1.1-25-4.5 notice to the owner and persons with a substantial public-record interest, then file the IC 6-1.1-25-4.6 petition with the Elkhart Circuit/Superior Court. Title searches and notice are typically run through SRI’s process or local counsel. See indiana §5 / §6.
• Redemption payment office: The owner (or any person with a substantial property interest) redeems by paying the Elkhart County Treasurer; the Auditor endorses and preserves the certificate (IC 6-1.1-25-3).
• Occupancy & access during redemption: The certificate holder does not take possession during the redemption year; possession/marketable title follow the tax deed. Standard Indiana practice — see indiana §10b. needs_verification — any Elkhart-specific occupancy/access practice.

C10. Local Restrictions → framework: indiana §11b

• Land bank: needs_verification — no dedicated Elkhart County land bank (“land bank authority”) was identified from a retrieved official source. Unsold tax parcels strike off to the Board of County Commissioners and are re-auctioned via the commissioners’ certificate sale (zeusauction.com) rather than conveyed to a land-bank entity. Source: Elkhart “Notice of Certificates of Sale” (elkhartcounty.com/en/news/notice-certificates-sale/), content via web search, retrieved 2026-06-02.
• Right of first refusal: None identified at the county level. Indiana does not grant a general municipal/land-bank ROFR over tax-sale parcels; the commissioners’ certificate-sale mechanism is the local disposition path.
• Entity / insider restrictions: Standard Indiana statutory gates apply locally — a bidder owing delinquent Indiana taxes (or their agent) may not bid (IC 6-1.1-24-5.3); business entities must show an Indiana Secretary of State Certificate of Existence / Foreign Registration Statement (IC 6-1.1-24-5.1, -5.4); county auditor must approve certificate assignees (IC 6-1.1-24-9). See indiana §11b. No additional Elkhart-specific anti-assignment ordinance was identified (contrast Lake County’s Ordinance 1501A). needs_verification — confirm absence of a local assignment-restriction ordinance.

C7. Meta

sources:

• {type: official_county_document, url: “https://elkhartcounty.com/documents/11067/Elkhart_County_2025_Tax_Sale_Advertisement.pdf”, note: “2025 Tax Sale Advertisement — Sept 16 2025 sale, Room 104 Goshen, court judgment 08/29/2025, 3-installment trigger, Auditor Patricia A. Pickens, SRI list posting, Goshen News/Wakarusa Tribune publication, surplus-right notice. County site Cloudflare-gated; content via web search of the document.”, retrieved: 2026-06-02}
• {type: public_notice_mirror, url: “https://www.indianaexchange.com/indiana/public-notices/notice-of-real-property-tax-s/AC1E04DD1438808492alB8C941A8”, note: “2024 Elkhart tax-sale public notice — Oct 8 2024 10AM Room 104, zeusauction.com online alternative, court judgment 09/20/2024, $55 fee, W-9 + entity Certificate of Existence, 110%/115% + 5% redemption, surplus right, redemption expires Oct 8 2025.”, retrieved: 2026-06-02}
• {type: vendor_platform, url: “https://properties.sriservices.com/countyDetail?stateName=IN&countyName=Elkhart”, note: “SRI Elkhart County detail + registration (no pre-auction deposit; register at sriservices.com good for all SRI counties; zeusauction.com online).”, retrieved: 2026-06-02}
• {type: secondary_aggregator, url: “https://hometaxsale.com/auction/in/elkhart”, note: “Elkhart tax-sale summary — in-person Admin Building, no deposit, 1-year redemption 110%/115% + 5% on overbid/subs; lists Oct 1 2026 (UNVERIFIED next-sale date).”, retrieved: 2026-06-02}
• {type: secondary_aggregator, url: “https://www.taxsaleresources.com/counties/elkhart-county-indiana”, note: “Treasurer Tina Bontrager, 574-535-6759, treasurer@elkhartcounty.com, Room 201; Recorder 574-535-6756 PO Box 837; Assessor 574-535-6700.”, retrieved: 2026-06-02}
• {type: official_records_portal, url: “https://www.elkhartcountyassessor.com/gisinformation”, note: “Assessor 117 N 2nd St, 574-535-6700; Beacon (Schneider) GIS launched Nov 15 2024 replacing Elevate; property-record-card requests mmckee@elkhartcounty.com.”, retrieved: 2026-06-02}
• {type: official_gis_portal, url: “https://beacon.schneidercorp.com/Application.aspx?App=ElkhartCountyIN&PageType=Map”, note: “Beacon Elkhart County parcel/GIS; parcel layer maintained by Auditor, updated daily from Planning & Development.”, retrieved: 2026-06-02}
• {type: records_index, url: “https://publicrecords.netronline.com/state/IN/county/elkhart”, note: “Treasurer 574-535-6759 InvoiceCloud tax payment; Assessor elkhartcountyassessor.com/gisinformation; Recorder elkhartcounty.com/…/recorder; GIS elevatemaps/Beacon.”, retrieved: 2026-06-02}
• {type: official_county_page, url: “https://clerk.elkhartcounty.com/”, note: “Elkhart County Clerk — Goshen Courthouse 101 N. Main St., Room 204, 574-535-6469.”, retrieved: 2026-06-02}
• {type: official_county_page, url: “https://sheriff.elkhartcounty.com/en/resources/sheriff-salesforeclosures/”, note: “Sheriff sales/foreclosures conducted by SRI since April 2023; 4th Wednesday monthly; SRI 1-800-800-9588.”, retrieved: 2026-06-02}
• {type: official_county_news, url: “https://elkhartcounty.com/en/news/notice-certificates-sale/”, note: “Commissioners’ Certificate of Sale notice — county-held certificates auctioned online at zeusauction.com.”, retrieved: 2026-06-02}
• {type: official_state_page, url: “https://www.in.gov/dlgf/county-specific-information/elkhart/”, note: “DLGF Elkhart County information page.”, retrieved: 2026-06-02}
• {type: parent_state_framework, url: “https://www.taxtitleservices.com/quiet-title-action-indiana”, note: “Indiana quiet-title timeline (3–12 mo) and cost (>$4,500); certification alternative 30–40 days. Inherited from indiana §5b.”, retrieved: 2026-06-02}

needs_verification:

1. 2026 annual tax-sale date — not confirmed from an official Elkhart/SRI advertisement as of 2026-06-02 (hometaxsale.com lists Oct 1 2026, unverified). Check properties.sriservices.com/countyDetail and elkhartcounty.com.
2. Elkhart surplus-claim form — no direct PDF URL retrieved (county site Cloudflare-gated). Confirm the SBOA verified-claim form with the Auditor (574-535-6719).
3. Unclaimed tax-sale-surplus list — no public Elkhart list URL retrieved; confirm whether the Auditor posts one.
4. Mortgage-foreclosure surplus claim desk — Elkhart has no separately published sheriff-sale surplus program page; confirm exact claim process with the Clerk and SRI.
5. Elkhart-specific quiet-title cost/timeline and active title insurers — only state-level figures available; pin local filing fees and underwriters.
6. Local assignment-restriction ordinance / land bank — confirm absence of any county ordinance restricting certificate assignment and that no land-bank entity exists (commissioners’ certificate sale is the disposition path).
7. Auditor/Treasurer/Recorder/Clerk individual office addresses — assembled from aggregators and the 2025 advertisement signatory; the county’s own department pages were Cloudflare-gated to direct fetch. Re-verify against elkhartcounty.com when accessible.

cross_links: indiana, right-of-redemption, surplus-funds, third-party-recovery-rules, surplus-recovery-fee-cap, tyler-v-hennepin-county, jones-v-flowers, mennonite-v-adams, mullane-v-central-hanover, bankruptcy-automatic-stay, federal-tax-lien-redemption, mortgagee-redemption, due-process-notice, treasurer-sale, sheriff-sale

changelog:

• 2026-06-02 — Initial population. Elkhart County’s official site (elkhartcounty.com) is Cloudflare/captcha-gated to direct fetch; sourced via web search of the 2025 Tax Sale Advertisement (documents/11067), the indianaexchange.com 2024 public-notice mirror, SRI Services (properties.sriservices.com Elkhart detail + registration knowledge), hometaxsale.com, taxsaleresources.com, netronline, the Elkhart County Assessor (elkhartcountyassessor.com) and Beacon (Schneider) GIS, the Clerk and Sheriff department pages, and the commissioners’ certificate-sale notice. Key findings: annual tax-lien sale managed by SRI, in-person Room 104 Goshen with online fallback at zeusauction.com, no pre-auction deposit, W-9 + entity Certificate of Existence, 3-installment eligibility, $55 fee in minimum bid, 1-year redemption at 110%/115% + 5% (120 days on commissioners’ certificates); 2024 sale Oct 8, 2024; 2025 sale Sept 16, 2025; surplus claim filed with the Auditor (Patricia A. Pickens, Room 203, 574-535-6719) approved jointly with Treasurer (Tina Bontrager, Room 201, 574-535-6759), 3-year deadline; sheriff (mortgage) sales run by SRI since April 2023, 4th Wednesday monthly. 7 needs_verification items (all row-2 honest gaps). gap_score 9.

Legal information, not legal advice. This page describes Elkhart County’s local tax sale and surplus procedures as of June 2, 2026. Indiana law and county procedures change — verify all details against primary sources before acting. The statutory framework for redemption periods, surplus rights, and case law is on the parent page: indiana.