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Monroe Township (Gloucester County) tax lien sale, New Jersey

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Monroe Township in Gloucester County publishes its sale the direct way: a public notice, signed by the Tax Collector, with the date, the room and the statute. Tax Collector Joanna L. Potopchuk sells at public auction on Wednesday, October 14, 2026, at 10:00 a.m., at the Monroe Municipal Building, 125 Virginia Avenue, Williamstown, under NJSA 54:5-19. The amounts sold are the unpaid 2025 taxes and charges, plus interest and costs. This is the Gloucester County Monroe; the Middlesex County township of the same name has its own page in this hub and its own collector.

Selling office: Township of Monroe Tax Collector (Joanna L. Potopchuk), 125 Virginia Avenue, Williamstown

Next sale: Wednesday, October 14, 2026. The township's public notice sets the auction for 10:00 a.m. at the Monroe Municipal Building.

Watch the Tax Collector: Monroe publishes its sale as a signed public notice, and the notice is the document that governs.

Dates and deadlines

Next saleWednesday, October 14, 2026, 10:00 a.m., Monroe Municipal Building, 125 Virginia Avenue, Williamstown: public auction by Tax Collector Joanna L. Potopchuk, per the township's public notice.
The salePublic auction under NJSA 54:5-19 of the unpaid 2025 taxes and charges, plus interest and costs, per the notice.
Sale trackNot published. The township notice read does not label the sale standard or accelerated.
RegistrationNot published in the sources read.
DepositNot published in the sources read.
Bidding and paymentIn person public auction, per the notice. No standing bidder payment rule beyond the auction itself is published in the township sources read.
RedemptionThrough the Tax Collector until a Superior Court judgment bars the right. The money side, interest at the bid rate, subsequent payments and the tiered penalty, is set out in the terms table below, on the state frame.
Struck off certificatesNothing published in the sources read. Under the state frame a lien with no purchaser is struck off to the township at 18 percent and may later be assigned under 54:5-113 or sold at public sale under 54:5-114.1 and 54:5-114.2.
FormatIn person, Monroe Municipal Building, 125 Virginia Avenue, Williamstown.
Selling officeTownship of Monroe Tax Collector (Joanna L. Potopchuk), Monroe Municipal Building, 125 Virginia Avenue, Williamstown, NJ

Sources: Township of Monroe, public notice of tax sale (monroetownshipnj.org). NJ Division of Local Government Services, Elements of Tax Sales in New Jersey. Confirm with the selling office before relying on any date on this page: sales move, terms change, and parcels are pulled up to sale day.

Research Monroe Township (Gloucester County) parcels before you bid

A sale list gives you the parcels, the date, and the opening terms. It does not give you the owner, the value, or the rest of the picture: liens, foreclosure status, and parcel history. PropertyRadar is the data platform for that layer. It carries owner records, assessed and market values, foreclosure and tax data, and property history for parcels across Monroe Township (Gloucester County), searchable by address, owner, or county, including parcels that never reach a sale list.

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How New Jersey tax sales work

  • Nobody at the county sells anything. Under NJSA 54:5-19 the tax collector of each municipality sells. Counties in New Jersey assess nothing for this process and run no sale; every date, list, platform and deposit rule on these pages belongs to a town, not to the county named at the top.
  • What is sold is a certificate, a lien, not the property. The Division of Local Government Services states it plainly: at the tax sale, title to the delinquent property itself is not sold; what is sold is a tax sale certificate. The owner keeps the property and is not evicted.
  • Two sale tracks run on the statute's calendar. A standard sale is held in the fiscal year following the year of delinquency. An accelerated sale reaches charges in arrears on the 11th day of the eleventh month of the fiscal year, conducted no earlier than the last month of that year, which is why December accelerated sales exist. A municipality may run both.
  • Bidding is the rate down from eighteen percent, then premium. Under 54:5-32 the lien is struck off to whoever takes the lowest rate of interest, never above 18 percent. When a bidder offers less than 1 percent or no interest, premium bidding takes over: the winner pays the amount due plus the highest premium. The premium goes to the municipality, earns no interest, is returned if the owner redeems, and escheats to the municipality if the certificate is neither redeemed nor foreclosed within five years.
  • Redemption runs through the collector until a court bars it. The owner, heirs, a prior certificate holder, a mortgagee or an occupant may redeem at any time until the right is barred by a Superior Court judgment (54:5-54, 54:5-86), paying the sale amount with interest at the bid rate, the holder's subsequent lien payments and expenses, and the tiered penalty in 54:5-61: 2 percent over 200 dollars, 4 percent over 5,000, 6 percent over 10,000.
  • Foreclosure has two clocks, and assignment moves you to the faster one. A private holder may file in Superior Court after two years from the sale; a municipality, or its assignee or transferee, may file after six months (54:5-86), and a municipality may proceed in rem where six months have run and 21 months of general land taxes remain unpaid (54:5-104.32, 54:5-104.34). Since July 10, 2024, P.L.2024, c.39 has revised the process so an owner can protect remaining equity, so foreclosure is no longer the automatic equity transfer older guides describe.
  • Unsold liens are struck off to the municipality at eighteen percent. The municipality may later sell those certificates by private assignment under 54:5-113, for not less than the liens by governing body resolution, or at public sale under 54:5-114.1 and 54:5-114.2, the second permitting sales below the amount due. That assignment market is New Jersey's leftover channel, and it is municipal, never county run.

How buying works in Monroe Township (Gloucester County)

Monroe's preparation is the notice itself: date, hour, room, statute and coverage, all in one signed document. A bidder works from the parcel list attached to the township's sale documents and treats the notice as the sale's terms, because the township publishes no separate bidder document of its own. Keep the two Monroes separate: this sale is Gloucester County's Monroe Township, sold from Williamstown.

  • The rate is a giveaway on any lien worth having. On contested certificates the interest rate is bid to zero in the first minutes and the real bidding is the premium, which earns nothing and sits with the municipality for up to five years. The disciplined bid is set by the property and the foreclosure timeline, never by the rate.
  • The room still matters here. Monroe sells in person at the Municipal Building while many larger townships in this set sell online. An in person sale rewards the bidder who has worked the list beforehand; there is no online window to study once bidding opens.

Terms: what a bid actually costs

Deposit, Monroe Township (Gloucester County)Not published. No township sale notice carrying a deposit figure was found in the township sources read.
Payment, Monroe Township (Gloucester County)Not published in the sources read. The Tax Collector's notice is the document that governs.
What is soldA tax sale certificate: a lien on the property for the taxes and municipal charges sold, recorded against the property. The property itself is not sold, the owner is not evicted, and the certificate holder's road to the property runs through redemption failing and a Superior Court foreclosure.
The interest ceiling18 percent per year, the maximum in 54:5-32. Bidding opens at 18 percent and the rate is bid down. The rate the winner takes is the rate the owner pays on redemption, and on contested liens in the publishing towns the rate is routinely bid to zero, which is where the premium takes over.
The premiumWhen a bidder offers less than 1 percent or no interest, the lien is struck off to whoever pays the amount due plus the highest premium. The premium is paid to the municipality and held by it: it earns the buyer no interest, it is returned if the owner redeems, and it escheats to the municipality if the certificate is neither redeemed nor foreclosed within five years. Model every premium dollar at zero percent, because that is what it earns.
Redemption moneyThe sum paid at the sale with interest from the sale date at the rate bid; after the certificate issues, plus the holder's expenses and subsequent municipal liens paid under 54:5-59 and 54:5-60; plus the tiered penalty in 54:5-61, 2 percent where the certificate exceeds 200 dollars, 4 percent above 5,000 dollars and 6 percent above 10,000 dollars. A municipality may separately fix a year end penalty up to 6 percent on delinquencies over 10,000 dollars under 54:4-67.
How long redemption really lastsUntil a Superior Court judgment bars it. There is no self expiring redemption date: the operative clocks are the foreclosure filing clocks, two years from the sale for a private holder, six months for a municipality or its assignee, plus the life of the court case. An owner facing a private holder has at least two years; an owner facing a municipal assignee may have far less.
The deed pathForeclosure of the right of redemption in Superior Court, Chancery Division, or a municipal in rem action under 54:5-104.32 where its conditions are met. Since P.L.2024, c.39 (July 10, 2024) the process protects the owner's remaining equity, so the pre-2024 outcome, foreclosure simply transferring all equity to the holder, is not current law and no 2026 page should describe it as such.

The leftover channel: struck off certificates and municipal assignment

Nothing about struck off certificates or assignment sales is published in the sources read for Monroe Township. Under the state frame a Monroe Township lien with no purchaser is struck off to the township at 18 percent and may later be sold by private assignment under 54:5-113, for not less than the liens by governing body resolution, or at public sale under 54:5-114.1 and 54:5-114.2, the second permitting sales below the amount due. The assignee of a municipal certificate inherits the municipality's six month foreclosure clock under 54:5-86, measured from the original sale date.

Before you bid

  • Start with the town, because there is no county list. Every fact that matters, the date, the list, the platform, the deposit, lives with one municipal tax collector. The county page tells you which towns publish and what they published; the towns that publish nothing are a telephone call, and no website, this one included, can substitute for it.
  • Redeem and pay only through the collector. Redemption money goes to the tax collector for the holder's use, and the collector's figure is the redemption figure. Never pay a certificate holder directly on their own number, and record your certificate with the county clerk within 90 days of the sale to protect the lien.
  • Know which clock your seller gives you. A certificate bought at the sale carries a two year wait before foreclosure; the same certificate bought by assignment from the municipality can be foreclosed on the six month municipal clock from the original sale date. The channel you buy through is a term of the deal, priced like one.
  • Set the maximum before the sale opens. The free Max-Bid Calculator below works backwards from your exit value to the highest bid you can pay, with the costs shown. In premium territory the maximum is a property decision, not a yield decision.

The municipal pages in this set

One page per selling office, each verified against its own municipal sources. New Jersey has 566 municipalities and every one sells through its own tax collector; this set is the four hundred seventy largest municipalities by population. The county's other municipalities are aggregated on the Gloucester County page.

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