Mayes Property Tax Guide: Rates, Online Payments & Appeals

Mayes Property Tax rates average about 0.66% in 2026, a figure that shapes every homeowner’s budget in Pryor and the surrounding towns. The Mayes County tax rates are applied to the assessed value determined by the Mayes County Assessor’s Office, which uses a uniform 11% valuation ratio for residential real‑estate and varied methods for commercial and agricultural parcels. Residents can settle their Mayes property tax payment online through the county’s secure portal, while the Mayes tax collector contact at (918) 825‑0625 answers questions about the Mayes tax bill due date and payment plans. For those qualifying, the Mayes County homestead exemption reduces the taxable base by $1,000, and seniors can explore additional Mayes County property tax exemptions using the available forms. A quick click on the Mayes County real estate tax calculator reveals the exact amount due, helping taxpayers avoid the Mayes County tax delinquent list and stay current.

Mayes Property Tax appeals follow a strict Mayes County property tax appeal process that requires filing a protest with the Board of Equalization before the state‑mandated deadline. Evidence such as comparable sales, a recent independent appraisal, or documentation of condition issues strengthens a protest and can adjust the Mayes County property tax assessment. Property owners seeking a Mayes County tax lien search or public access to Mayes County tax records can use the Datacrosspoint portal, while the Mayes County tax distribution report shows how funds support schools, roads, and emergency services. Commercial developers and farmers should review the Mayes County commercial property tax rates and agricultural tax relief options to budget accurately. The Mayes County tax holiday schedule and any upcoming changes are posted on the assessor’s website, ensuring every taxpayer stays informed.

Search Mayes County Property Tax

Finding current property tax data for parcels in Mayes County begins with the official public search portal maintained by the county assessor. Property owners, buyers, and researchers rely on this database to verify tax status before transactions, refinancing, or appeals. Searches can be performed using the owner’s name, parcel number, or physical street address.

Required Data for a Successful Search

Users should gather specific details before initiating a lookup to avoid multiple attempts and return inaccurate results. The system works best when the input matches the records stored in the assessor files.

• Owner’s full legal name as it appears on the deed
• Parcel identification number from a prior tax bill or closing document
• Complete street address including city and ZIP code
• Property type classification (residential, commercial, agricultural, vacant land)

Step-by-Step Search Method

Following a consistent process reduces errors and produces the most accurate results when pulling tax data from the county system.

1. Open the official Mayes County Assessor search portal in a current web browser.
2. Select the search category: owner name, parcel ID, or address.
3. Type the requested data into the search field and submit the query.
4. Review the returned parcel list and select the specific property of interest.
5. Open the property record to view assessment figures, tax amounts, payment status, and exemption details.

Records Available Through the Portal

The public search tool returns a wide range of tax-related fields that help residents verify what they owe, when it is due, and which exemptions apply. Each record displays current and historical data tracked by the assessor and treasurer offices.

• Assessed value for the current tax year
• Tax amount billed and amount paid
• Applied exemptions such as homestead or veteran benefits
• Millage rate assigned to the parcel’s tax district
• Delinquency status and any outstanding balance
• Property classification and land use code

Mayes County Property Tax Rates

The effective property tax rate in Mayes County sits near the state average, making it one of the more affordable counties in Oklahoma for owning real estate. Rates fluctuate yearly based on budgets adopted by local school boards, municipalities, and county government. Public school funding represents the largest share of the total millage applied to assessed values.

Average Effective Rate

Reports compiled from county tax rolls show the typical Mayes County property owner pays roughly 0.66% of market value in annual taxes. That figure combines the assessment ratio with the total millage rate across all taxing entities serving the parcel.

Components of the Total Millage

Multiple authorities levy taxes within Mayes County, and each contributes a portion of the final millage rate applied to a property. The combined rate varies by school district, city limits, and special districts such as technology centers or emergency service areas.

Mayes County Property Tax Assessment Methods

The Mayes County Assessor’s Office applies uniform methods across the county to value every parcel fairly and consistently. Oklahoma law requires assessors to use a percentage of fair cash value for real property and specific schedules for personal property. Annual updates reflect changes in the real estate market, new construction, and ownership transfers.

Residential Assessment Ratio

Owner-occupied homes receive an 11% assessment ratio, one of the most favorable rates in the country. A home valued at $200,000 in the marketplace is assessed at $22,000 for tax purposes. This low ratio provides significant relief for long-term residents and first-time buyers.

Commercial and Industrial Assessment

Commercial real estate and business personal property are valued under state guidelines applicable to all Oklahoma counties. Improvements such as equipment, inventory, and fixtures are reported by business owners each year through rendition forms.

Agricultural Land Valuation

Farmland receives a productivity-based valuation that considers the land’s agricultural income capacity rather than market sales price. This approach protects family farms from rising development pressure and keeps rural tax bills reasonable.

Personal Property Assessment

Vehicles, boats, business equipment, and mobile homes are assessed separately from real property. Tax bills for personal property arrive on a different schedule than real estate taxes and follow state depreciation tables.

Mayes County Property Tax Payment Options

Paying property taxes in Mayes County offers flexibility through online, mail, and in-person channels. The county treasurer processes all payments and provides receipts for each transaction. Most homeowners pay through escrow accounts managed by mortgage companies, but direct payment remains an option for owners without lender involvement.

Payment Methods Accepted

The county accepts several payment types to accommodate different taxpayer preferences. Choosing a method affects processing time and whether a convenience fee applies.

• Online payment via debit or credit card through the treasurer’s portal
• Electronic check (eCheck) for lower transaction fees
• Check or money order mailed to the treasurer’s office
• Cash or card payment in person at the courthouse
• Mortgage escrow disbursement handled by the lender

Installment Payment Plans

Property owners facing financial hardship may request an installment agreement with the county treasurer. The plan splits the annual bill into monthly payments and prevents delinquency. Approval depends on documented hardship and a partial down payment.

Mayes County Homestead Exemption

The homestead exemption provides the most common property tax relief for Oklahoma homeowners, and Mayes County residents claim it in large numbers each year. Qualifying owners receive a $1,000 reduction in the assessed value of their primary residence. For a home assessed at $22,000, the exemption trims the taxable base to $21,000.

Eligibility Requirements

Applicants must meet several criteria set by state law and the county assessor. Ownership, occupancy, and legal status all factor into the approval decision.

• The property must be the owner’s primary residence as of January 1 of the tax year
• The applicant must hold legal title or a beneficial interest under a trust
• Applicants must be Oklahoma residents and U.S. citizens or qualified aliens
• The exemption applies to one property per household

Filing the Application

New homeowners file Form 921 with the Mayes County Assessor’s Office. The form requires the parcel number, owner details, and a signature certifying the residency claim. Annual renewal is not required if ownership and occupancy remain unchanged.

Estimated Savings

Most Oklahoma homeowners save between $75 and $130 each year by claiming the homestead exemption. The exact figure depends on the total millage rate within the parcel’s tax district. Senior owners receive the same $1,000 reduction plus access to a valuation freeze program.

Mayes County Property Tax Exemptions for Special Groups

Beyond the standard homestead exemption, Oklahoma statutes create several targeted relief programs for veterans, seniors, disabled homeowners, and specific property types. Each program has its own application form, deadline, and verification requirements. The county assessor’s office reviews every claim before granting the exemption.

Veteran Exemptions

Honorably discharged veterans with service-connected disabilities qualify for an additional homestead exemption. The exemption amount varies based on the disability rating assigned by the U.S. Department of Veterans Affairs.

• 100% disability rating: full exemption from property taxes on the homestead
• Less than 100% rating: partial exemption scaled to the disability percentage
• Surviving spouses of qualifying veterans may continue the exemption

Senior Citizen Exemptions

Homeowners aged 65 and older may freeze the assessed value of their homestead at the amount recorded the year they first applied. The freeze protects seniors from rising tax bills even as market values climb.

Disabled Homeowner Exemptions

Residents receiving disability benefits from the Social Security Administration or with documented permanent disabilities qualify for a reduction in assessed value. The amount matches the standard homestead exemption plus a supplemental $1,000 deduction in many cases.

Mayes County Property Tax Appeal Process

Property owners who believe their assessed value exceeds fair market value have the right to file a formal protest. The appeal process in Mayes County follows Oklahoma statutes and the procedures established by the Board of Equalization. Successful appeals can reduce the annual tax bill by hundreds or even thousands of dollars.

Filing a Protest

Appeals must be submitted in writing to the county assessor before the published deadline. The protest form requests the parcel ID, owner’s contact data, and a clear explanation of the disagreement with the assessed value.

Evidence That Strengthens an Appeal

Taxpayers who back their protest with solid evidence achieve higher success rates than those who simply disagree with the value. Comparable sales, independent appraisals, and condition reports carry the most weight with the Board of Equalization.

• Recent sale prices of similar nearby properties (comparable sales)
• A licensed appraiser’s opinion of value dated within 12 months
• Photographs documenting structural damage, deferred maintenance, or functional obsolescence
• Income data for rental properties showing lower-than-projected returns

Deadlines and Hearing Schedule

Oklahoma property tax appeals must be filed by April 30 or within 30 days of receiving the valuation notice, whichever is later. The protest filing window opens after the assessor mails valuation notices each spring. Contact the Mayes County Assessor for the specific deadline applicable to the current tax year.

Mayes County Property Tax for Seniors

Senior residents in Mayes County benefit from one of the strongest property tax protection packages in Oklahoma. The combination of the standard homestead exemption, senior valuation freeze, and circuit-breaker refund creates meaningful savings for retirees on fixed incomes.

Senior Valuation Freeze

The valuation freeze locks the assessed value of a senior’s homestead at the amount recorded the year the owner first qualified. The freeze remains in place as long as the owner lives in the home and maintains eligibility. Property taxes on a frozen parcel never increase due to rising market values or higher millage rates alone.

Circuit-Breaker Refund (Form 538-H)

Oklahoma offers a refund program for low-income seniors and disabled residents whose property taxes exceed a set percentage of household income. Claimants file Form 538-H with the Oklahoma Tax Commission after paying the year’s tax bill. Refunds arrive by check or direct deposit within several months.

Required Documentation

Senior applicants must provide proof of age, income, and residency when applying for exemption programs. Acceptable documents include a state-issued ID, Social Security award letter, and prior year tax return.

Mayes County Commercial Property Tax

Business owners in Mayes County pay property tax on real estate, equipment, inventory, and fixtures used in commerce. The county assessor values commercial real property in accordance with state guidelines, and the treasurer bills the resulting amount each year. Commercial owners who file the required rendition forms on time avoid penalties added to omitted assets.

Business Personal Property Rendition

Each year, commercial owners must report all business assets located in the county. The rendition form lists acquisition cost, depreciation, and current book value. Filing protects owners from estimated assessments that often run higher than the actual value of equipment. Contact the Mayes County Assessor for the specific filing deadline each year.

Common Commercial Assets Taxed

Business property assessments cover a wide range of assets used in the operation of a company. Understanding which items belong on the rendition helps prevent errors.

• Office furniture, computers, and electronics
• Manufacturing equipment and machinery
• Company vehicles titled in the business name
• Leasehold improvements and fixtures
• Inventory held for resale in some cases

Mayes County Agricultural Tax Relief

Farmers and ranchers in Mayes County receive preferential treatment through the state’s agricultural use valuation program. Productive farmland, ranch land, and timber tracts qualify for an appraisal based on the land’s earning capacity rather than market value. This valuation method shields agricultural operators from the higher taxes that would result from selling the land for development.

Multi-Year Agricultural Use Program

Landowners seeking agricultural use valuation file a multi-year application with the county assessor. The application identifies the parcel, describes current agricultural activity, and certifies that the land will remain in production. Approved parcels receive a productivity-based value that often runs much lower than market value.

Qualifying Agricultural Activities

The state recognizes a broad list of activities as legitimate agricultural use. Common qualifying operations in Mayes County include cattle ranching, hay production, row crop farming, and timber management.

• Cattle, horse, sheep, or goat grazing on permanent pasture
• Hay production for commercial sale or livestock feed
• Row crops such as soybeans, corn, wheat, and cotton
• Orchards, vineyards, and specialty crop production
• Timber operations with periodic harvest cycles

Consequences of Breaking the Agricultural Use Pledge

Landowners who convert agricultural land to non-farm use within the commitment window face rollback penalties. The assessor calculates the tax difference for each year of the commitment period and bills the owner for the additional amount.

Mayes County Tax Records Public Access

Public tax records in Mayes County remain open for inspection by any interested party. Researchers, title companies, and prospective buyers routinely pull tax data to confirm ownership, check payment history, and detect encumbrances. The county provides two primary channels for accessing these records: the assessor’s online portal and the county clerk’s records system.

Accessing the Assessor Portal

The Mayes County Assessor hosts current assessment data, ownership transfers, and parcel maps through its public search tool. Users search by owner name, parcel ID, or street address. The portal is free to use and operates 24 hours a day from any internet-connected device.

Accessing the County Clerk Records

Deed records, mortgages, liens, and other recorded documents live in the county clerk’s office. The clerk maintains an index searchable through their public records platform. Users can pull document images and certified copies for a small fee.

What Public Tax Records Reveal

Public records expose key financial and ownership data points that help taxpayers make informed decisions. Reviewing this data before buying or refinancing property reduces the risk of inheriting unpaid taxes or unresolved liens.

• Current owner of record and mailing address
• Legal description of the property and parcel boundaries
• History of tax payments, delinquencies, and prior sales
• Recorded liens, judgments, and encumbrances
• Exemptions and special valuation programs in place

Mayes County Tax Lien Search

Unpaid property taxes in Mayes County result in a lien against the property, recorded with the county clerk. The lien protects the government’s interest in collecting the debt and gives the county the right to sell the parcel at a public auction if the debt remains unresolved. Buyers and lenders should always run a tax lien search before closing a real estate transaction.

How to Run a Tax Lien Search

Start the search using the assessor’s portal to confirm the current tax status of the parcel. If the property shows a delinquent balance, request a payoff letter from the county treasurer. Lenders and title companies also search the county clerk’s index for recorded lien documents.

Resolving a Tax Lien

Property owners who discover an outstanding lien have several options for resolving the debt. The best approach depends on the amount owed, the length of delinquency, and the owner’s financial situation.

• Pay the full delinquent amount plus penalties and interest
• Request an installment agreement with the treasurer
• Apply for a hardship deferral if eligible under county policy
• Refinance the property and use proceeds to clear the lien

Tax Delinquent List and Public Auctions

The county treasurer publishes an annual list of parcels that have been delinquent for more than one year. Parcels on the list may eventually face a tax sale auction conducted by the county. Purchasing a parcel at auction requires full payment on the day of sale and careful due diligence on title issues.

Mayes County Tax Distribution

Every dollar collected through Mayes County property taxes flows back to local services that support residents and businesses. The county treasurer distributes the funds to each taxing entity based on the millage rate certified for the year. Understanding the distribution helps taxpayers see the direct impact of their payment on community services.

Where the Money Goes

Property tax collections fund a wide range of public services. The largest share supports local schools, followed by county government operations and municipal services.

Reporting and Transparency

The county treasurer publishes a distribution report each year showing how the total collection was divided among taxing entities. Residents can request a copy of the report from the treasurer’s office or view it on the county’s public records platform.

Mayes County Property Tax History

Property tax records in Mayes County stretch back several decades and provide a clear picture of long-term trends in assessments, rates, and collections. Researchers and curious homeowners can review this history through the assessor’s portal or by requesting archived records from the county clerk. Tracking historical data helps owners spot unusual changes in their assessments and provides a baseline for fair value comparisons.

Why History Matters

Looking at a property’s tax history reveals patterns that influence current and future bills. A spike in assessed value without a corresponding sale or improvement often signals a reassessment error worth investigating.

• Identify sudden jumps in assessed value from year to year
• Verify that homestead and other exemptions appear correctly
• Compare millage rate changes across different tax years
• Spot prior appeals and the outcomes for nearby properties

Accessing Historical Records

The assessor’s portal retains recent tax data for every parcel. Older records require a direct request to the county assessor or clerk. Some historical data is also available through state-level public records platforms.

Mayes County Property Tax Bill Due Date

Property tax bills in Mayes County follow Oklahoma’s standard real estate tax calendar. Bills for the current year typically arrive in the fall, with the first installment due before the end of December and the second installment due in the spring of the following year. Mailing dates and individual due dates may shift based on the calendar, so checking the actual bill or contacting the county treasurer is the most reliable approach.

Late Payment Penalties

Oklahoma law applies automatic penalties to property tax payments received after the due date. The penalty increases each month on the delinquent amount and continues to grow until the bill is paid in full. Interest accrues on top of the penalty at the rate set by the state. Contact the Mayes County Treasurer for the current penalty and interest rates.

Avoiding Missed Payments

Homeowners who manage their own escrow accounts or pay taxes directly should mark key dates on a calendar or set electronic reminders. Mortgage companies that handle escrow must remit tax payments on time, and owners should verify with their lender each year that payment was made.

• Sign up for email or text alerts from the treasurer’s office
• Store the tax bill in a visible location after it arrives
• Schedule automatic payments through the online portal
• Confirm payment posting through the county assessor search tool

Mayes County Property Valuation Methods

The county assessor uses three recognized approaches to value property for tax purposes: the sales comparison approach, the cost approach, and the income approach. Each method applies to specific property types and the assessor selects the most appropriate technique for every parcel.

Sales Comparison Approach

This method relies on recent sales of similar properties within the same neighborhood or market area. The assessor adjusts the sale prices for differences in size, condition, location, and features to estimate the value of the subject property. Residential parcels receive the strongest treatment under this approach.

Cost Approach

The cost approach values a property by adding the land value to the current cost of replacing the improvements, minus depreciation. This method works well for new construction and unique properties where sales data is limited.

Income Approach

The income approach applies to rental and commercial properties. The assessor estimates the net income the property could produce, then applies a capitalization rate to arrive at value. Income-producing parcels such as apartment buildings, retail centers, and office space receive this treatment.

Mayes County Property Tax Payment Plan Options

Homeowners struggling to pay the full tax bill by the due date have several payment plan options to consider. The county treasurer works with residents to find workable solutions and prevent the property from falling into delinquency. Setting up a plan early keeps penalties and interest from compounding.

Standard Installment Agreement

The treasurer may break the annual bill into monthly payments over a set number of months. A small down payment and a signed agreement are usually required to start the plan. Missing a scheduled payment can cancel the agreement and restore full penalties on the balance.

Hardship Deferral

Residents who can document a temporary financial hardship such as job loss, medical bills, or a family emergency may qualify for a deferral. A deferral postpones collection until the hardship resolves but does not eliminate the debt. Interest continues to accrue during the deferral period.

Circuit-Breaker Refund Plan

Low-income seniors and disabled residents can file for the state circuit-breaker refund after paying their taxes. The refund effectively returns a portion of the tax bill based on the homeowner’s income. Filing Form 538-H with the Oklahoma Tax Commission produces the refund within a few months.

Mayes County Tax Holiday Schedule

Oklahoma does not offer a general property tax holiday for homeowners. The state does, however, provide sales tax holidays on specific dates each year for purchases of clothing, school supplies, and emergency preparedness items. Property tax relief in Mayes County comes through exemptions, freezes, and the circuit-breaker refund rather than holidays on the tax bill itself.

Sales Tax Holidays vs Property Tax Holidays

Residents sometimes confuse the sales tax holiday with a property tax holiday. Sales tax holidays waive state and local sales tax on qualifying retail purchases for a limited weekend. Property tax bills continue on their normal schedule, with relief available only through exemption programs and appeals.

Planning Around Exemption Deadlines

While no holiday applies to property tax, planning exemption applications around annual deadlines delivers the largest savings. New homeowners should file the homestead exemption right after closing, and seniors should file the valuation freeze the year they turn 65.

Mayes County Real Estate Tax Calculator

Estimating a property tax bill before buying or appealing requires a simple calculation that combines the assessed value with the total millage rate. Mayes County residents can use the formula below to produce a quick estimate and compare it against the figure on the actual tax bill.

Calculation Formula

The standard formula multiplies the assessed value by the millage rate and divides by 1,000. For example, a residential parcel with an assessed value of $22,000 and a combined millage rate of 80 mills would generate an estimated tax bill of $1,760 per year. Actual millage rates vary by tax district within the county.

Using the County Portal for Estimates

The Mayes County assessor portal shows the current assessed value and millage rate for every parcel. Combining those two figures in the formula above produces a reliable estimate. For the most accurate projection, homeowners should also factor in any approved exemptions that reduce the taxable base.

Adjusting for Exemptions

Subtract exemption amounts from the assessed value before applying the millage rate. The homestead exemption, for example, removes $1,000 from the taxable base. A home assessed at $22,000 with a $1,000 homestead exemption produces a taxable value of $21,000, which the millage rate then multiplies against.

Mayes County Property Tax Relief and Long-Term Planning

Long-term property tax planning in Mayes County focuses on claiming every exemption for which a parcel qualifies, monitoring annual assessments for errors, and appealing when values climb above market levels. Combining these strategies with thoughtful timing of sales and refinances can produce meaningful savings over a period of years.

Annual Review Checklist

A short review each spring catches errors before they become permanent on the tax rolls. The checklist below highlights the items worth checking once the new assessment notice arrives.

• Verify the legal description and parcel boundaries
• Confirm the property classification and land use code
• Compare the new assessed value to recent sale prices of similar nearby properties
• Review the applied exemptions to ensure none have lapsed
• Check the millage rate for the parcel’s tax district

Working With Tax Professionals

Property owners with complex situations often benefit from working with a tax professional or appeals specialist. Accountants, real estate attorneys, and licensed property tax consultants bring experience with comparable sales, income analysis, and exemption programs. Their services pay for themselves when an appeal yields a meaningful reduction in the annual bill.

Reinvestment in the Community

Every property tax payment supports the schools, roads, and public services that make Mayes County a desirable place to live. Tracking how funds are distributed helps residents stay engaged with local budget decisions and advocate for priorities that align with community needs.

Contact, Local Details, and Map

Direct contact with the right office speeds up answers to property tax questions and helps resolve disputes before they escalate. The assessor handles valuation, exemptions, and appeals. The county clerk records deeds, mortgages, and liens. Both offices operate from the Mayes County Courthouse in Pryor Creek (the county seat). The current Mayes County Assessor is Yolanda Thompson, who has held the position since 2022.

Mayes County Treasurer

• Email: treasurer@mayescountyok.gov
• Office Hours: Monday through Friday, 9 AM to 5:00 PM

Frequently Asked Questions

Mayes Property Tax services help owners keep track of bills, pay online, claim exemptions, and fix assessment errors. Knowing the correct contact, payment deadline, and appeal steps saves money and prevents penalties. This guide answers the most common questions about Mayes County tax rates, online payments, and exemption forms.

What is the current property tax rate for Mayes County and how is it calculated?

Mayes County’s effective tax rate averages about 0.66 percent of a property’s market value. The county multiplies the assessed value (11 percent of market value for residential homes) by the combined millage rates set by the county, school, and city districts. For example, a $150,000 home is assessed at $16,500; applying a 0.66 percent rate yields an annual tax bill of roughly $109. Check the latest millage schedule on the assessor’s portal for precise numbers.

How can I pay my Mayes County property tax online?

Visit the public search portal at app.datacrosspoint.com/properties/mayes. After entering your parcel number or address, select “Pay Tax.” You can use a credit card, debit card, or ACH transfer. Payments are processed instantly and a receipt is emailed. Remember to pay before the due date listed on your tax bill to avoid late fees.

Where do I find the contact information for the Mayes County tax collector?

The tax collector’s office handles payment processing and delinquent tax notices. Call (918) 825‑0625 for phone assistance or visit the office at 1 Court Place, Suite 110, Pryor, OK 74361. Mail any forms or checks to the same address. Staff can confirm your balance, set up a payment plan, and answer questions about exemptions.

How do I apply for the Mayes County homestead exemption?

Homeowners must complete the homestead exemption form and submit it to the Assessor’s Office before March 16. Bring proof of ownership and a government‑issued ID. Once approved, the first $1,000 of your assessed value is removed, reducing the tax bill by roughly $7‑$10 for most properties. Keep a copy of the approval letter for future reference.

What steps should I follow to appeal a Mayes County property tax assessment?

First, obtain a copy of your assessment notice from the assessor’s portal. Then, gather evidence such as recent sales of similar homes, an independent appraisal, or photographs showing property defects. File a written protest with the County Board of Equalization before the deadline noted on your notice, usually within 30 days of receipt. Attend the hearing, present your evidence, and wait for the board’s decision, which may lower your assessed value.

How can I locate a list of delinquent property tax parcels in Mayes County?

The county publishes a delinquent tax list on its website each quarter. Access the list by calling the tax collector at (918) 825‑0625 and asking for the latest “Delinquent Tax Roll.” The roll includes parcel numbers, owner names, and total amounts owed. You can also view the list through the public search portal by selecting “Delinquent” in the filter menu. Use this information to identify potential investment opportunities or to verify if a neighbor’s property is in arrears.