To redeem a property tax lien, the owner shall: Determine the redemption amount and the need to obtain a release for actual and reasonable expenses from the certificate of sale holder by calling 301-600-1111; during the first 4 months after the date of the tax sale, properties may be redeemed without payment of the expenses listed below, including legal fees; Reimburse the certificate of sale holder for actual and reasonable expenses incurred after a 4 month waiting period in preparation for any action to foreclose the right of redemption, and obtain a release from the certificate of sale holder, the plaintiff, or their attorney, that all reimbursable fees and expenses, if any, were satisfied; and Present the release to the collector and pay all redemption amounts due described below and all taxes in arrears after the tax sale to bring the tax account current. The redemption amount includes the amount due sold at tax sale, any interest computed from the date of tax sale to the date of the redemption payment (Section 14-828), and reimbursement to the certificate of sale holder for actual and reasonable expenses incurred after a 4 month waiting period in preparation for any action to foreclose the right of redemption, including fees paid for recording the certificate of sale, for actual and reasonable attorney's fees for each certificate of sale, for expenses incurred in the publication and service of process by publication, for reasonable fees for a necessary title search, and for taxes (together with interest and penalties) arising after the date of sale that have been paid by the plaintiff or the holder of the certificate of sale (Section 14-843). The current redemption interest rate, as stated on the certificate of sale, is 8% per annum. Redemption payment must be made by certified check, cashier' s check, money order, or cash to Frederick County. When all redemption obligations are satisfied by the owner, the Collector shall; Notify the holder of the certificate of sale that the property was redeemed and the certificate must be surrendered to the Collector; and Upon receipt of the certificate of sale, remit all money received for redemption and the high-bid premium, to the holder of the certificate (Section14-828c); the county will refund the high-bid premium without interest, to the holder of the tax sale certificate on redemption of the property tax lien or to the plaintiff in an action to foreclose the right of redemption on delivery of a tax sale deed for the property for which the high-bid premium was paid. The high-bid premium is not refundable after the time required (under Section 14-833) for the filing of an action to foreclose the right of redemption, if there has been no redemption and if an action to foreclose the right of redemption has not been filed within that time.