National Surplus Recovery Directory
ALABAMA (AL)
Tax sale recovery follows a 3-year statute. Primarily non-judicial.
ALASKA (AK)
Strict 6-month tax deadline. Must file within 6 months of deed recording.
ARIZONA (AZ)
Strict fee cap ($2,500) applies to both tax and mortgage foreclosures.
ARKANSAS (AR)
10% cap for tax foreclosures. No limit for mortgage foreclosure surplus.
CALIFORNIA (CA)
90-day no-contact rule post-mortgage sale. Must use attorney for mortgage leads.
COLORADO (CO)
2.5-year contact moratorium post-mortgage sale. Fee cap varies by time.
CONNECTICUT (CT)
Strict 90-day window for supplemental judgment claims. Attorney required.
DELAWARE (DE)
Highly judicial process. Attorney representation typically required for recovery.
FLORIDA (FL)
Assignment fees for mortgage leads capped at 12%. Attorney recommended.
GEORGIA (GA)
Must use attorney for mortgage leads as counties often refuse 3rd party filings.
HAWAII (HI)
25% fee cap. 24-month wait period for surplus deposited in state fund.
IDAHO (ID)
Surplus typically held by the court for 1 year post-confirmation.
ILLINOIS (IL)
Judicial motion required in the county of sale. Highly judicial.
INDIANA (IN)
10% fee cap for tax overages. Auditor holds surplus for 3 years.
IOWA (IA)
Redemption periods may apply. Surplus follows standard escheat patterns.
KANSAS (KS)
10-year period for unclaimed property recovery. Auditor hold for 1-2 years.
KENTUCKY (KY)
Master Commissioner handles distribution. Counsel highly recommended.
LOUISIANA (LA)
Civil law jurisdiction. Sheriff processes distribution. Attorney required.
MAINE (ME)
3-year dormancy for unclaimed funds. Power of sale affects timelines.
MARYLAND (MD)
Court audits must be ratified before distribution. 7-year hold for tax.
MASSACHUSETTS (MA)
Land Court procedures often require legal representation for recovery.
MICHIGAN (MI)
Must file Intent to Claim by July 1st following foreclosure for tax sales.
MINNESOTA (MN)
Tyler v. Hennepin ensures surplus rights. 1-year mortgage claim window.
MISSISSIPPI (MS)
Chancery Clerk holds tax surplus for 2 years. 3-year statute for mortgage.
MISSOURI (MO)
Surplus typically held locally at the county level for 3 years.
MONTANA (MT)
Predictable 3-year timelines for unclaimed proceeds in the treasury.
NEBRASKA (NE)
Surplus follows standard unclaimed property/escheat patterns.
NEVADA (NV)
Attorney recommended. Strictly enforced 1-year tax deadline. HOA surplus is common here.
NEW HAMPSHIRE (NH)
Power of sale foreclosures require rapid response and filing.
NEW JERSEY (NJ)
Funds held indefinitely by Superior Court. Attorney required for motions.
NEW MEXICO (NM)
Tax surplus held centrally by the State Taxation and Revenue Dept.
NEW YORK (NY)
Court referee handles claims. Legal representation mandatory.
NORTH CAROLINA (NC)
Finder fees strictly capped at 20% of recovery by state law.
NORTH DAKOTA (ND)
Predictable patterns for sheriff sale surplus in unclaimed property.
OHIO (OH)
Funds held by County Treasurer post-Sheriff sale confirmation.
OKLAHOMA (OK)
Tax surplus held centrally; 2-year window before escheat.
OREGON (OR)
Trustee sales have specific notice requirements for surplus.
PENNSYLVANIA (PA)
Tax Claim Bureaus manage the 5-year holding period locally.
RHODE ISLAND (RI)
Highly judicial small state. Legal representation mandatory.
SOUTH CAROLINA (SC)
Delinquent Tax Collector holds surplus locally for 2 years.
SOUTH DAKOTA (SD)
Predictable patterns. Funds held by the county treasurer.
TENNESSEE (TN)
Local claim window is short before funds move to the state level.
TEXAS (TX)
Avoid pursuing tax overage unless you possess a surety bond. Very specialist-friendly.
UTAH (UT)
Trustee sale surplus follows clear unclaimed property rules.
VERMONT (VT)
Strictly judicial foreclosure. Attorney mandatory for motions.
VIRGINIA (VA)
Trustees must account for surplus within 30 days of sale.
WASHINGTON (WA)
Strict anti-locator fee ban for mortgage foreclosure leads.
WEST VIRGINIA (WV)
Tax surplus managed centrally by the State Auditor's Office.
WISCONSIN (WI)
Judicial sale surplus is held locally by the Clerk of Courts.
WYOMING (WY)
Low volume but predictable 3-year timelines for surplus recovery.