Yuma County, Arizona — Tax Sale & Surplus Procedure

Local operations layer. The legal framework (16% bid-down interest, 3-year redemption, § 42-18204 excess-proceeds reform, § 33-812 trustee-sale surplus, statutes, and case law) lives on the parent page → arizona. This page covers how Yuma County actually runs it. Legal information, not legal advice. Last verified: 2026-06-02.

C0. Identity

• County seat: Yuma · Recording unit: county (FIPS 04027) · Population: ~205,659.
• Parent legal framework: arizona — Arizona is a tax-lien-certificate state; Yuma auctions certificates of purchase (CPs), not deeds, at its annual February sale.

C1. Local Tax Sale

• Conducts own sale? Yes — the Yuma County Treasurer holds an annual delinquent tax-lien sale (sale of certificates of purchase) “every year in February (ARS 42-18112).” [Source: Treasurer 2026 Tax Lien Sale Booklet]
• Platform: In-person, LIVE auction — not an online/RealAuction-style sale. The 2026 sale was held February 17, 2026 at 9:00 a.m. in the Yuma County Board of Supervisors Auditorium, 197 S. Main Street, Yuma, AZ 85364. Parcels are “offered for sale in the order in which they appear in the newspaper of record … two weeks prior to the Tax Lien Sale.” [Source: Treasurer 2026 Tax Lien Sale Booklet (“2026 LIVE TAX SALE BOOKLET.docx”)] (No third-party online auction vendor (e.g., RealAuction/Zeus/SRI) is used for the Yuma live sale — generic “online registration” descriptions in commercial listings do not match the county’s own booklet.)
• Calendar: annual, in February (ARS 42-18112); next/most-recent sale Feb 17, 2026. Liens are for the prior tax year. [Source: Treasurer Booklet; treasurer real-property-information page]
• Rate within statutory range: bid-down interest 0–16% — “The bidding will begin at sixteen percent (16%) and shall be awarded to the bidder who offers to accept the lowest rate of interest.” Certificates begin accruing interest March 1 and each month thereafter until redeemed (ARS 42-18153). [Source: Treasurer Booklet]
• Registration / deposit: register 1 hour prior to the auction at the Yuma County Board of Supervisors, 197 S. Main St.; a completed W-9 and Bidder Form are required, and “No deposit is required.” Yuma enforces a Single Simultaneous Bidding Entity Rule (one registration per economic interest; TIN must match). [Source: Treasurer Booklet, §III Bidder Registration]
• Bidder requirements: completed Bidder Information Form + W-9; TIN matching the SSN/EIN; compliance with the Single Simultaneous Bidding Entity Rule. Payment for awarded liens is due within 24 hours of the close of the sale, by Cashier’s Check, Money Order, or Wire Transfer (all sales final). [Source: Treasurer Booklet, §II.D / §III; Bidder Form (ARS 42-18116)]
• Delinquent list location: the delinquent-parcel list is published in the county newspaper of record two weeks before the sale, and the day after publication the parcels are available online for viewing via the Treasurer’s page (https://www.yumacountyaz.gov/government/treasurer). [Source: Treasurer Booklet §II.A; treasurer property portal]

County-held liens (over-the-counter): liens not sold at the live auction become County Held Liens purchasable over the counter at the full 16% rate, first come / first served, from “approximately the first week of March through the end of December.” [Source: Treasurer Booklet §I, §II.A]

State Deed Sale (separate from the lien sale): parcels deeded to the State of Arizona (ARS § 42-18302, Art. 7) are sold by the Yuma County Board of Supervisors, advertised in the Yuma Daily Sun once a week for four weeks during February and posted at the Board, Sheriff, and courthouse. This is not the Treasurer’s Tax Lien Sale. Contact County Administration (928) 373-1010. [Source: Treasurer Booklet §XI; treasurer real-property-information page]

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

• Where/how to redeem locally: redeem through the Yuma County Treasurer (197 S. Main St., Ste. 203). A certificate “is subject to redemption by the property owner, his agent, assignee, attorney, a person … making a charitable gift or by any person having a legal or equitable claim therein, including a purchaser of a certificate of a different date (ARS 42-18151/18153).” The statutory 3-year redemption period and the redemption-amount formula live on arizona. [Source: Treasurer Booklet §V]
• Local fees / amount: on redemption the CP holder receives the purchase amount less non-refundable fees, plus interest at the bid rate (≤16%). Yuma’s non-refundable per-parcel charges are set out in the booklet Fee Schedule: $10 processing fee (ARS 11-495 & 42-18116(c)), $10 Certificate of Purchase fee (ARS 42-18118(d)), $5 endorsement/subsequent-tax fee (ARS 42-18121(b)), $10 assignment fee (ARS 42-18122(b)), and a $50 court-ordered Treasurer’s Deed fee per parcel (ARS 42-18205). [Source: Treasurer Booklet §V, §XII]
• Redemption contact: Yuma County Treasurer, 928-539-7781, https://www.yumacountyaz.gov/government/treasurer.
• Deviations from state default: none identified — Yuma follows the A.R.S. Title 42 Ch. 18 framework; redemption interest begins March 1 of the sale year (ARS 42-18153). [Source: Treasurer Booklet]

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

• Two distinct surplus tracks (legal mechanics → arizona):
  • (A) Trustee’s-sale / mortgage-foreclosure surplus (A.R.S. § 33-812). When a deed-of-trust foreclosure sale exceeds the debt, the foreclosing party’s attorney deposits the excess with the Yuma County Treasurer; a former owner/trustor recovers it by filing an Application for Release of Excess Proceeds in Yuma County Superior Court. [Source: yumacountyaz.gov treasurer excess-proceeds page; azcourthelp.org Yuma excess-proceeds form]
  • (B) State-deed / tax-foreclosure excess proceeds. Yuma publishes a separate State Deeded Sale Excess Proceeds report and an Affidavit of State Deeded Property Ownership (Excess Proceeds) for former owners of state-deeded parcels. The post-Tyler tyler-v-hennepin-county § 42-18204 excess-proceeds-sale mechanism is requested in the Superior Court foreclosure action itself (framework → arizona). [Source: yumacountyaz.gov treasurer excess-proceeds page]
• Claim filing venue: Clerk of the Superior Court of Yuma County (civil filing for the Application for Release of Excess Proceeds); the deposited funds are held by the Yuma County Treasurer. Clerk of Superior Court: 197 S. Main St., Yuma, AZ 85364, (928) 817-4210; Superior Court courthouse at 250 W. 2nd Street, Yuma, AZ 85364, (928) 817-4210. [Source: yumacountyaz.gov clerk-of- superior-court page; azcourthelp.org]
• Claim form: “Excess Proceeds of Sale (Application for Release of)” — the Yuma County civil self-help form, available through the Arizona Court Help portal (azcourthelp.org → Yuma County Forms → Civil → Excess Proceeds of Sale) for a former owner/trustor whose foreclosed property sold for more than the debt and whose surplus “was deposited with the County Treasurer.” [Source: azcourthelp.org/yuma-county-forms/civil-law/excess-proceeds] The Treasurer also posts a Trustee Sale Excess Proceeds list and State Deeded Sale Excess Proceeds documents on its excess-proceeds page. [Source: yumacountyaz.gov treasurer excess-proceeds page]
• Local deadline notes: statutory — deposited trustee-sale surplus is presumed abandoned after 2 years with no pending application, then escheats per § 33-812 (see arizona); response to a trustee’s application is due within 45 days of the latest mailing. No Yuma-specific shortened deadline identified.
• Unclaimed-funds list published? Yes — the Treasurer’s excess-proceeds page publishes a “Trustee Sale Excess Proceeds” list (homeowner name/address, civil case number S1400CV…, attorney, amount paid, balance) plus State Deeded Sale Excess Proceeds records. [Source: yumacountyaz.gov treasurer excess-proceeds page; Trustee Sale Excess Proceeds workbook]
• Contact: Yuma County Treasurer 928-539-7781 / treasury@yumacountyaz.gov (deposited funds / excess-proceeds list); Clerk of Superior Court (928) 817-4210 (filing the Application). (named excess- proceeds desk contact — needs_verification.)

▸ For Investors / Operators — Yuma runs an in-person, no-deposit LIVE tax-lien auction (bid down from 16%; pay by cashier’s check/money order/wire within 24 hours; County-held liens available OTC at 16% Mar–Dec). The CP conveys no possessory right — a treasurer-sale deed issues only after a judicial foreclosure of the right to redeem in Yuma County Superior Court (ARS 42-18201/18204) and the 3-year redemption runs (§2/2b on arizona). Before committing capital, weigh the marketable/insurable-title path (§5b on arizona — a § 12-1103 quiet title in Superior Court) and which liens survive (§7b — Title 48/§ 9-276 assessment liens survive under § 42-18115; IRS § 7425 120-day redemption applies; Arizona HOA liens are not super-priority). Note Yuma’s Single Simultaneous Bidding Entity Rule and the 10-year lien-expiration bar (ARS 42-18127).

▸ For Former Owners — Two surplus paths run through Yuma. For a trustee’s (mortgage) foreclosure that sold for more than the debt, the surplus is deposited with the Yuma County Treasurer and recovered by filing the Excess Proceeds of Sale (Application for Release of) in Yuma County Superior Court; deposited funds are presumed abandoned after 2 years. For a state-deeded / tax parcel, the Treasurer publishes a State Deeded Sale Excess Proceeds record and an Affidavit of State Deeded Property Ownership. The framework, claim waterfall, and deadlines are on arizona §3/§3b.

C4. Offices & Contacts

C5. Local Procedure Notes

• Tax-lien sale is an in-person LIVE auction at the Board of Supervisors Auditorium (197 S. Main St.) — no online platform and no deposit; bidders register 1 hour prior with a W-9 + Bidder Form. Winning bids paid within 24 hours by cashier’s check / money order / wire. [Source: Treasurer Booklet]
• Single Simultaneous Bidding Entity Rule — each economic interest may register only once; violations void awards at the Treasurer’s discretion; venue for disputes is Yuma County. [Source: Treasurer Booklet §III]
• County-held liens unsold at auction are sold over the counter at 16%, first-come/first-served, ~first week of March through December. [Source: Treasurer Booklet]
• Subsequent taxes (“subs”): the CP holder may endorse subsequent taxes after June 1 each year until the business day before the next February auction, in certified funds, marked “Endorsement” with the bidder number; a $5 processing fee applies (ARS 42-18121). [Source: Treasurer Booklet §IX]
• 10-year lien expiration: if a lien purchased after Aug 22, 2002 is not redeemed and no foreclosure action is commenced within 10 years of purchase, the certificate and all subs expire and the lien is VOID (ARS 42-18127). [Source: Treasurer Booklet §IX]
• Property-tax due dates (Yuma): first half due Oct 1, delinquent after 5:00 p.m. Nov 1; second half due Mar 1, delinquent after 5:00 p.m. May 1; pay both by Dec 31 to avoid first-half interest. Interest on delinquencies accrues at 16% per year (simple), prorated monthly. [Source: treasurer real-property- information page]
• State Deed sales are run by the Board of Supervisors, not the Treasurer’s lien sale (advertised 4 weeks in February in the Yuma Daily Sun). [Source: Treasurer Booklet §XI; real-property-information page]
• No Yuma-specific ordinance deviating from the state tax-foreclosure framework identified.

C6. Records Access

• Parcel / property search (Assessor EagleWeb): https://www.yumacountyaz.gov/i-want-to/find-property-information
• Recorder document/deed search (TylerHost): https://yumacountyaz-web.tylerhost.net/web/ (entry via https://www.yumacountyaz.gov/government/recorder/recording/link-to-recorded-documents)
• GIS map (Geocortex public viewer): https://geo-viewer.yumacountyaz.gov/Html5Viewer/index.html?viewer=YumaCountyPublicApplication
• Tax payment / parcel inquiry portal: https://yumacountyaz-treasurer.tylerhost.net/treasurer/web/ and https://www.paydici.com/yuma-county-treasurer-az/search/new (also https://www.yumacountyaz.gov/PAYTAXES)

C8. Title & Quiet Title

• Title type: tax lien certificate (certificate of purchase); a Treasurer’s Deed issues later only after a judicial foreclosure of the right to redeem in Yuma County Superior Court (ARS 42-18201/18204) and a court-ordered judgment. [Source: Treasurer Booklet §IV]
• Quiet title action — required? Practically yes for a Treasurer’s-deed grantee seeking marketable/insurable title. The deed conveys no warranty — “Yuma County and the Yuma County Treasurer make no title or other warranties … [including] any environmental problems.” [Source: Treasurer Booklet §X]
• Type / court: judicial — a quiet-title action under A.R.S. §§ 12-1101 to 12-1103, filed in the Yuma County Superior Court (250 W. 2nd St., Yuma). Framework and standard → arizona §5b. [Source: arizona §5b; ARS 12-1101]
• Typical timeline: ~4–12 months uncontested; longer if service by publication is needed (statewide norm; framework → arizona §5b). (Yuma-specific docket timeline — needs_verification.)
• Typical cost range: ~$2,000–$6,000 attorney fees + court costs uncontested (statewide norm; framework → arizona §5b). (Yuma-specific quiet-title cost — needs_verification.)
• Deed seasoning (local): governed by underwriter practice, not a Yuma rule; most underwriters require a quiet-title judgment before insuring a Treasurer’s- deed parcel (framework → arizona §5b). (needs_verification — Yuma underwriter practice.)
• Title insurers active locally: major national underwriters (Fidelity National, First American, Old Republic, Stewart) operate statewide in Arizona; willingness to insure tax-deed parcels in Yuma varies by underwriter/office. (specific Yuma-active underwriters for tax-deed parcels — needs_verification.)

C9. Purchaser Obligations

• Subsequent-tax payment office: Yuma County Treasurer, 197 S. Main St., Ste. 203 — endorse subs in certified funds after June 1 each year up to the business day before the next February auction, marked “Endorsement” with the bidder number; $5 fee per ARS 42-18121. [Source: Treasurer Booklet §IX]
• Notice-to-owner procedure: the CP holder must send the statutory § 42-18202 pre-foreclosure notice (certified mail, 30–180 days before suit) and then file the § 42-18201 action to foreclose the right to redeem in Yuma County Superior Court (250 W. 2nd St.). Mechanics and case law → arizona §6. [Source: Treasurer Booklet §IV; arizona §6]
• Redemption-payment office (where the owner goes to redeem): Yuma County Treasurer, 197 S. Main St., Ste. 203, 928-539-7781 — the Treasurer issues the certificate of redemption. [Source: Treasurer Booklet §V, §VI]
• Occupancy and access notes: a CP “does not convey any right to enter upon, build on, or sell this property until a lien is foreclosed … and a Treasurer’s Deed is issued following a court ordered judgment.” No possession during the redemption period. [Source: Treasurer Booklet §II.A]

C10. Local Restrictions

• Right of first refusal active? No county/land-bank ROFR over tax-sale parcels identified in Yuma. State-deeded parcels are sold by the Board of Supervisors under ARS § 42-18302 (Art. 7); no municipal ROFR located. (local ROFR — needs_verification.)
• Land bank: None identified — Yuma County operates no land-bank program; surplus/state-deeded parcels are disposed of through the Board of Supervisors State Deed Sale rather than a land bank. (land-bank existence — needs_verification.)
• Entity / insider notes: Yuma enforces the Single Simultaneous Bidding Entity Rule (one registration per economic interest; shared TIN/return/capital/employees = prima facie violation; Treasurer’s sole discretion to void awards or ban future bidders). No statute capping excess-proceeds-finder fees in Arizona was located (framework → arizona §3b). [Source: Treasurer Booklet §III]

C7. Meta

• sources:
  • {type: county_treasurer, url: https://www.yumacountyaz.gov/home/showpublisheddocument/58976/639035606320700000, retrieved: 2026-06-02} # 2026 LIVE Tax Lien Sale Booklet — Feb 17 2026 live sale, bid-down 16%, no deposit, 24hr cashier/MO/wire, subs, 10yr void, fee schedule, foreclosure, redemption, state deed sale
  • {type: county_treasurer, url: https://www.yumacountyaz.gov/government/treasurer/tax-lien-information, retrieved: 2026-06-02} # tax-lien info page (links Booklet, Bidder Form, W9); fetched via archived snapshot 2026-02-16
  • {type: county_treasurer, url: https://www.yumacountyaz.gov/government/treasurer/real-property-information, retrieved: 2026-06-02} # 16% interest, due dates, Feb Back Tax Lien Sale, State Deed Sale (Yuma Daily Sun 4 weeks Feb), BoS (928) 373-1010
  • {type: county_treasurer, url: https://www.yumacountyaz.gov/government/treasurer, retrieved: 2026-06-02} # Treasurer address 197 S. Main St. Ste 203; 928-539-7781; treasury@yumacountyaz.gov; portals
  • {type: county_treasurer, url: https://www.yumacountyaz.gov/government/treasurer/excess-proceeds, retrieved: 2026-06-02} # Excess Proceed Reports: Affidavit of State Deeded Property Ownership, State Deeded Sale Excess Proceeds, Trustee Sale Excess Proceeds
  • {type: county_treasurer, url: https://www.yumacountyaz.gov/home/showpublisheddocument/52231/639002687170430000, retrieved: 2026-06-02} # Trustee Sale Excess Proceeds list (homeowner, S1400CV case #, attorney, amount, balance)
  • {type: county_treasurer, url: https://www.yumacountyaz.gov/home/showpublisheddocument/47504/637685229755170000, retrieved: 2026-06-02} # Yuma County Tax Lien Sale Bidder Form (ARS 42-18116)
  • {type: court_help, url: https://azcourthelp.org/yuma-county-forms/civil-law/excess-proceeds, retrieved: 2026-06-02} # Yuma “Excess Proceeds of Sale (Application for Release of)” form — former owner/trustor, funds deposited with County Treasurer
  • {type: clerk_of_court, url: https://www.yumacountyaz.gov/government/courts/clerk-of-superior-court, retrieved: 2026-06-02} # Clerk of Superior Court (928) 817-4210; 197 S. Main St.
  • {type: recorder, url: https://www.yumacountyaz.gov/government/recorder, retrieved: 2026-06-02} # Recorder 298 S. Main St.; (928) 373-6020; TylerHost search
  • {type: gis, url: https://geo-viewer.yumacountyaz.gov/Html5Viewer/index.html?viewer=YumaCountyPublicApplication, retrieved: 2026-06-02} # public GIS parcel viewer
  • {type: assessor, url: https://www.yumacountyaz.gov/i-want-to/find-property-information, retrieved: 2026-06-02} # EagleWeb property/parcel search
  • {type: tax_portal, url: https://yumacountyaz-treasurer.tylerhost.net/treasurer/web/, retrieved: 2026-06-02} # Treasurer tax payment / inquiry portal
  • {type: secondary, url: https://www.taxsaleresources.com/counties/yuma-county-arizona, retrieved: 2026-06-02} # corroborating: elected Treasurer name (Angela Pancrazi Moreno) — county page address differs, used official county address
• needs_verification:
  • “Elected Treasurer’s individual name — secondary source (TaxSaleResources) lists ‘Angela Pancrazi Moreno’ but the official county Treasurer pages give only the office (and a differing mailing address); name not confirmed on an official Yuma County page.”
  • “Named contact / specific desk at the Treasurer’s Office for excess-proceeds-deposit inquiries (only the main 928-539-7781 / treasury@yumacountyaz.gov line confirmed).”
  • “Yuma-specific quiet-title docket timeline and cost range (only the statewide Arizona §5b range applied; no Yuma Superior Court schedule retrieved).”
  • “Yuma underwriter practice / deed seasoning and which title insurers actively write tax-deed parcels in Yuma County (statewide presence confirmed; Yuma-specific practice not retrieved).”
  • “Whether any local ROFR or land-bank program touches Yuma tax-sale/state-deeded parcels (none located; treated as absent pending an official confirmation).”
• cross_links: arizona, surplus-funds, right-of-redemption, tyler-v-hennepin-county, treasurer-sale
• changelog:
  • “2026-06-02 — Initial population (county operations layer). In-person LIVE February tax-lien sale (Feb 17 2026, Board of Supervisors Auditorium, no deposit, bid-down 16%, 24-hr cashier/MO/wire payment), Single Simultaneous Bidding Entity Rule, County-Held OTC liens at 16%, subsequent-tax endorsement + $5 fee, 10-year lien-void bar (ARS 42-18127), full booklet fee schedule, § 33-812 trustee-sale surplus deposited with the Treasurer + Superior Court Application for Release, State Deeded Sale / Trustee Sale Excess Proceeds lists, and offices/portals verified against county-owned sources (yumacountyaz.gov treasurer Booklet, excess-proceeds, real-property-information, clerk-of-superior-court, recorder pages; azcourthelp.org form). AZ-domain pages fetched via archived snapshots and a reader proxy because yumacountyaz.gov returns HTTP 403 to direct fetch. Corrected an early assumption that Yuma uses an online Zeus/SRI auction — the county booklet establishes an in-person live sale. Five honest needs_verification flags retained.”

Legal information, not legal advice. This page summarizes Yuma County, Arizona tax-sale and surplus procedure as of the last_verified date and may be incomplete or out of date. Verify against the cited county sources and the parent arizona statutes, and consult a licensed Arizona attorney before acting.