The mortgagor, the mortgagor’s heirs, personal representatives or assigns may redeem the mortgaged premises at any time before the sale by paying to the clerk of the court in which the judgment was rendered, or to the plaintiff, or any assignee thereof, the amount of such judgment, interest thereon and costs, and any costs subsequent to such judgment, and any taxes paid by the plaintiff subsequent to the judgment upon the mortgaged premises, with interest thereon from the date of payment, at the same rate. On payment to such clerk or on filing the receipt of the plaintiff or the plaintiff’s assigns for such payment in the office of said clerk the clerk shall thereupon discharge such judgment, and a certificate of such discharge, duly recorded in the office of the register of deeds, shall discharge such mortgage of record to the extent of the sum so paid.
846.13.Redemption from and satisfaction of judgment.
Ch. 846: Real Estate Foreclosure · Last amended 1993 · Last verified July 15, 2026
In one sentenceSection 846.13 lets a mortgagor, or their heirs, personal representatives, or assigns, redeem the mortgaged property at any time before the sale by paying the full judgment amount, interest, costs, and any post-judgment taxes, after which the judgment and mortgage are discharged of record.
Full Text of Section 846.13
Official Notes
Cross-reference: See s. 846.25, relative to discharge after foreclosure.
Plain-English Summary
Section 846.13 gives the mortgagor a last chance to keep the property before it goes to sale. At any time before the sale, the mortgagor, or the mortgagor’s heirs, personal representatives, or assigns, can redeem the mortgaged premises by paying the clerk of the court that entered the judgment, or the plaintiff, or an assignee of the plaintiff, the full amount of the judgment, the interest on it, the costs, any costs incurred after the judgment, and any taxes the plaintiff paid on the property after the judgment, with interest on those taxes from the date they were paid.
Once that payment is made, or once a receipt for it from the plaintiff or the plaintiff’s assigns is filed with the clerk, the clerk discharges the judgment. A certificate of that discharge, once recorded with the register of deeds, discharges the mortgage of record to the extent of the amount paid.
Frequently Asked Questions
Can I stop a Wisconsin foreclosure sale by paying off the judgment first?
Yes, at any time before the sale, by paying the clerk of the court, or the plaintiff or an assignee, the full amount owed.
What exactly do I have to pay to redeem the property before the sale?
The judgment amount, interest, costs, any costs incurred after judgment, and any taxes the plaintiff paid on the property after judgment, with interest on those taxes.
Who besides the original borrower can redeem the property?
The mortgagor’s heirs, personal representatives, or assigns.
How does the mortgage get cleared from the public record after redemption?
The clerk discharges the judgment, and a certificate of that discharge, recorded with the register of deeds, discharges the mortgage of record to the extent paid.
Do I have to pay the clerk directly, or can I pay the plaintiff instead?
Either works. Payment to the clerk, or to the plaintiff or an assignee, or filing the plaintiff’s receipt for payment with the clerk, triggers the discharge.
Amendment History
History: 1973 c. 189 s. 7; Stats. 1973 s. 816.13; Sup. Ct. Order, 67 Wis. 2d 585, 768 (1975); Stats. 1975 s. 846.13; 1993 a. 486.
Source & verification. Section text and official notes are
reproduced verbatim from the Wisconsin Statutes, published by the
Wisconsin Legislature (Legislative Reference Bureau). Last verified July 15, 2026.
· Official source
Also known as: wisconsin redeem mortgage before foreclosure sale846.13 wisconsin statutepay off foreclosure judgment wisconsindischarge mortgage after redemption wisconsin