SB 2630
Foreclosure limits for homesteads free of lender liens
Died in committee
Verdict: No flags
Editor's call: No flags. On Nov 1, 2026 the editor checked this charge against the bill's caption and removed it.
Corrected Nov 1, 2026
Corrected Nov 1, 2026 · We checked this summary against the bill text and fixed it.
Reviewed · Nov 1, 2026 · Headline, summary and grade are analysis of the bill text, not a finding about any person · How we grade
Caption
relating to prohibiting the foreclosure of a lien-free or mortgage-free residence homestead by a local taxing entity.
Caption from analyzed text · version I.
Summary
Local tax foreclosure is barred below $25,000. Higher arrears require a repayment-plan offer.
The bill bars counties, cities, school districts and other local taxing units from foreclosing on a homestead that has no mortgage or lender lien when the overdue taxes, with penalties and interest, are under $25,000. If the overdue amount is higher, the taxing unit must first offer at least a five-year payment plan before it can foreclose. Unpaid tax debt under $25,000 becomes a lien that cannot be enforced by foreclosure but must be paid before the home can be sold, transferred or inherited.
Labels
Labels: NEVER GOT A HEARING. Filed Mar 13, 2025 and referred to the Senate Local Government committee. No public hearing. The bill died.
Receipt
The receipt
89R-SB2630 · 2025-03-13
SOLD BY
ITEM
relating to prohibiting the foreclosure of a lien-free or mortgage-free residence homestead by a local taxing entity.
WHAT IT DOES
Local tax foreclosure is barred below $25,000. Higher arrears require a repayment-plan offer.
The bill bars counties, cities, school districts and other local taxing units from foreclosing on a homestead that has no mortgage or lender lien when the overdue taxes, with penalties and interest, are under $25,000. If the overdue amount is higher, the taxing unit must first offer at least a five-year payment plan before it can foreclose. Unpaid tax debt under $25,000 becomes a lien that cannot be enforced by foreclosure but must be paid before the home can be sold, transferred or inherited.
CHARGES
[ ] NONE FOUND
TOTAL
No fiscal note in the loaded record.
HISTORY
- Received by the Secretary of the Senate
- Filed
- Read first time
- Referred to Local Government
FILED UNDER
PROPERTY TAX RELIEF THAT ISN'T
THE TEXT
…“shall be converted into a non-enforceable tax lien that must be satisfied before the property can be sold, transferred, or inherited.”
Bill text, introduced version (I)
The bill stops foreclosure but does not forgive the tax, so the debt stays attached to the home and is collected when it is sold or passed to heirs.
THANK YOU FOR CHECKING THE RECEIPT
CAMPAIGN PAID FOR BY
CAMPAIGN PAID FOR BY
Donors
Donors report through Friends of Brandon Creighton.
Not tied to this bill.
Sources
The author's campaign account only. Own money and internal transfers are separate on the member page.
$0 raised since Jul 1, 2024. Derived sum of published report totals. blank in the state's data, consistent with zero. Flow, Jul 1, 2024 through Jun 30, 2026. State filing data as of Nov 4, 2026. 4 of 4 filed reports carry a published figure.
Report 101060909: Published total from the filed report. Retrieved Oct 29, 2026. Filed report 101060909
$0 spent Jan 1, 2026 to Jun 30, 2026. Published total from the filed report. Flow, Jan 1, 2026 through Jun 30, 2026. State filing data as of Nov 4, 2026. 1 of 1 filed reports carry a published figure.
Report 101060909: Published total from the filed report. Retrieved Oct 29, 2026. Filed report 101060909
$0 cash on hand. Published report total. Stock, as of Jun 30, 2026. State filing data as of Nov 4, 2026.
$0 loans outstanding. Published report total. Stock, as of Jun 30, 2026. State filing data as of Nov 4, 2026.
Derived sum of itemized contributions in regular reports and uncovered special-session dates. Unitemized contributions are not included. Flow, Jul 1, 2024 through Jun 30, 2026. State filing data as of Nov 4, 2026.
MoneyMissing data does not establish zero giving. Display amounts are rounded.
Votes
No floor vote loaded for this bill.
Fiscal
No fiscal note in the loaded record.
How this was graded
Analysis of text version I by claude-opus-5-5, Oct 20, 2026, against the published rubric.
Sources
Texas Senate · Filed Mar 13, 2025
04/03/2025 S Referred to Local Government
Texas Legislature Online · Introduced
Data snapshot Nov 1, 2026 at 10:30 AM CST. Grades, charges, quotes and corrections follow the published record.
Senate committee · Local Government · Final status: Died in committee
Subjects
Property Interests--Homestead
Property Interests--Mortgages & Liens
FORECLOSURES
Text
The text as introduced · 252 words
2025S0235-T 03/13/25 By: Creighton S.B. No. 2630 A BILL TO BE ENTITLED AN ACT relating to prohibiting the foreclosure of a lien-free or mortgage-free residence homestead by a local taxing entity. BE IT ENACTED BY THE LEGISLATURE OF THE STATE OF TEXAS: SECTION 1. Section 33.06, Tax Code, is amended by adding Subsections (i), (j), and (k) to read as follows: (i) Notwithstanding any other provision of this code, a local taxing entity, including a county, municipality, school district, or special taxing district, may not initiate foreclosure proceedings against a residence homestead if: (1) the homeowner owns the property outright, with no active mortgage, home equity loan, reverse mortgage, or any other recorded lien held by a financial institution or lender; and (2) the homeowner's delinquent property taxes are less than $25,000, including penalties and interest. (j) If the delinquent property taxes exceed the threshold in Subsection (i)(2), the local taxing entity must first offer the homeowner a structured repayment plan of at least five years before initiating foreclosure proceedings. (k) Any property tax debt less than $25,000 that remains unpaid shall be converted into a non-enforceable tax lien that must be satisfied before the property can be sold, transferred, or inherited. SECTION 2. This Act takes effect immediately if it receives a vote of two-thirds of all the members elected to each house, as provided by Section 39, Article III, Texas Constitution. If this Act does not receive the vote necessary for immediate effect, this Act takes effect September 1, 2025.