Quick answerKentucky sells tax lien certificates for unpaid property taxes. Lien buyers can earn 12% simple interest per year (1% per month), fixed by statute — no interest-rate bidding (KRS Chapter 134; see §§ 134.490, 134.549 confirming the 12% rate). Redemption: No fixed deed-state redemption window: the owner may pay/redeem until a foreclosure sale is completed. The certificate holder may not sue to foreclose until after a 1-year tolling period from delinquency (KRS 134.546); the lien itself remains valid for 11 years from delinquency Sales: Annual county clerk sales of certificates of delinquency each summer — sales run mid-July through October, with most counties selling mid-July through late August Governing law: Kentucky Revised Statutes, Chapter 134 (esp. §§ 134.125, 134.128, 134.420, 134.490, 134.546).