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National Surplus Recovery Directory

ALABAMA (AL)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Specialist Analysis Notes

Tax sale recovery follows a 3-year statute. Primarily non-judicial.

Verify Legal Statutes > Tax Statute: Title 40-10-28 > Mortgage Statute Link

ALASKA (AK)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline6 MONTHS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Specialist Analysis Notes

Strict 6-month tax deadline. Must file within 6 months of deed recording.

ARIZONA (AZ)

Tax Sale Surplus
Finders Cap$2,500
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders Cap$2,500
Attorney ReqYES
DeadlineVARIES
Specialist Analysis Notes

Strict fee cap ($2,500) applies to both tax and mortgage foreclosures.

Verify Legal Statutes > Arizona Statute § 33-812

ARKANSAS (AR)

Tax Sale Surplus
Finders Cap10%
Attorney ReqNO
Deadline2 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Specialist Analysis Notes

10% cap for tax foreclosures. No limit for mortgage foreclosure surplus.

CALIFORNIA (CA)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline1 YEAR
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
Deadline1 YEAR
Specialist Analysis Notes

90-day no-contact rule post-mortgage sale. Must use attorney for mortgage leads.

COLORADO (CO)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline5 YEARS
Mortgage Foreclosure Surplus
Finders Cap20-30%
Attorney ReqNO
DeadlineVARIES
Specialist Analysis Notes

2.5-year contact moratorium post-mortgage sale. Fee cap varies by time.

Verify Legal Statutes > Colorado Statute HB16-1090

CONNECTICUT (CT)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline90 DAYS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
Deadline90 DAYS
Specialist Analysis Notes

Strict 90-day window for supplemental judgment claims. Attorney required.

DELAWARE (DE)

Tax Sale Surplus
Finders CapNONE
Attorney ReqYES
Deadline2 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
DeadlineVARIES
Specialist Analysis Notes

Highly judicial process. Attorney representation typically required for recovery.

FLORIDA (FL)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline120 DAYS
Mortgage Foreclosure Surplus
Finders Cap12%
Attorney ReqMAYBE
Deadline60 DAYS
Specialist Analysis Notes

Assignment fees for mortgage leads capped at 12%. Attorney recommended.

GEORGIA (GA)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline5 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
DeadlineVARIES
Specialist Analysis Notes

Must use attorney for mortgage leads as counties often refuse 3rd party filings.

HAWAII (HI)

Tax Sale Surplus
Finders Cap25%
Attorney ReqNO
Deadline2 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Specialist Analysis Notes

25% fee cap. 24-month wait period for surplus deposited in state fund.

IDAHO (ID)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline1 YEAR
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline1 YEAR
Specialist Analysis Notes

Surplus typically held by the court for 1 year post-confirmation.

ILLINOIS (IL)

Tax Sale Surplus
Finders CapNONE
Attorney ReqYES
Deadline2 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
DeadlineVARIES
Analysis Notes

Judicial motion required in the county of sale. Highly judicial.

Verify Legal Statutes > Mortgage Statute Link

INDIANA (IN)

Tax Sale Surplus
Finders Cap10%
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
DeadlineVARIES
Analysis Notes

10% fee cap for tax overages. Auditor holds surplus for 3 years.

Verify Legal Statutes > Tax Statute Link

IOWA (IA)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
Deadline1 YEAR
Analysis Notes

Redemption periods may apply. Surplus follows standard escheat patterns.

Verify Legal Statutes > Mortgage Statute Link

KANSAS (KS)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline1-2 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
DeadlineVARIES
Analysis Notes

10-year period for unclaimed property recovery. Auditor hold for 1-2 years.

KENTUCKY (KY)

Tax Sale Surplus
Finders CapNONE
Attorney ReqYES
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
DeadlineVARIES
Analysis Notes

Master Commissioner handles distribution. Counsel highly recommended.

Verify Legal Statutes > Kentucky Statute § 426.552

LOUISIANA (LA)

Tax Sale Surplus
Finders CapNONE
Attorney ReqYES
Deadline5 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
DeadlineVARIES
Analysis Notes

Civil law jurisdiction. Sheriff processes distribution. Attorney required.

Verify Legal Statutes > Louisiana CCP Art 2373

MAINE (ME)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
Deadline2 YEARS
Analysis Notes

3-year dormancy for unclaimed funds. Power of sale affects timelines.

MARYLAND (MD)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline7 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Analysis Notes

Court audits must be ratified before distribution. 7-year hold for tax.

Verify Legal Statutes > Maryland Tax/Property Code

MASSACHUSETTS (MA)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
Deadline1 YEAR
Analysis Notes

Land Court procedures often require legal representation for recovery.

MICHIGAN (MI)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
DeadlineJULY 1
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Analysis Notes

Must file Intent to Claim by July 1st following foreclosure for tax sales.

MINNESOTA (MN)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline1 YEAR
Analysis Notes

Tyler v. Hennepin ensures surplus rights. 1-year mortgage claim window.

Verify Legal Statutes > Mortgage Statute Link

MISSISSIPPI (MS)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline2 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Analysis Notes

Chancery Clerk holds tax surplus for 2 years. 3-year statute for mortgage.

Verify Legal Statutes > Tax Statute Link

MISSOURI (MO)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Analysis Notes

Surplus typically held locally at the county level for 3 years.

Verify Legal Statutes > Missouri Statute § 443.390

MONTANA (MT)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Analysis Notes

Predictable 3-year timelines for unclaimed proceeds in the treasury.

NEBRASKA (NE)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
Deadline3 YEARS
Analysis Notes

Surplus follows standard unclaimed property/escheat patterns.

NEVADA (NV)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline1 YEAR
Mortgage Foreclosure Surplus
Finders Cap10%
Attorney ReqNO
Deadline1-2 YEARS
Analysis Notes

Attorney recommended. Strictly enforced 1-year tax deadline. HOA surplus is common here.

NEW HAMPSHIRE (NH)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Analysis Notes

Power of sale foreclosures require rapid response and filing.

Verify Legal Statutes > Mortgage Statute Link

NEW JERSEY (NJ)

Tax Sale Surplus
Finders CapNONE
Attorney ReqYES
Deadline10 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
Deadline10 YEARS
Analysis Notes

Funds held indefinitely by Superior Court. Attorney required for motions.

Verify Legal Statutes > NJ Statute § 2A:50-37

NEW MEXICO (NM)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Analysis Notes

Tax surplus held centrally by the State Taxation and Revenue Dept.

Verify Legal Statutes > Mortgage Statute Link

NEW YORK (NY)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline5 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
Deadline5 YEARS
Analysis Notes

Court referee handles claims. Legal representation mandatory.

Verify Legal Statutes > NY RPAPL § 1361

NORTH CAROLINA (NC)

Tax Sale Surplus
Finders Cap20%
Attorney ReqNO
Deadline2 YEARS
Mortgage Foreclosure Surplus
Finders Cap$1,000
Attorney ReqNO
Deadline2 YEARS
Analysis Notes

Finder fees strictly capped at 20% of recovery by state law.

NORTH DAKOTA (ND)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Analysis Notes

Predictable patterns for sheriff sale surplus in unclaimed property.

Verify Legal Statutes > ND Century Code § 57-28

OHIO (OH)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Analysis Notes

Funds held by County Treasurer post-Sheriff sale confirmation.

Verify Legal Statutes > OH Revised Code § 2329.44

OKLAHOMA (OK)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline2 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline2 YEARS
Analysis Notes

Tax surplus held centrally; 2-year window before escheat.

Verify Legal Statutes > OK Statute Title 68 § 3131

OREGON (OR)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline2-3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline2-3 YEARS
Analysis Notes

Trustee sales have specific notice requirements for surplus.

Verify Legal Statutes > Oregon Revised Statutes § 86.794

PENNSYLVANIA (PA)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline5 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline5 YEARS
Analysis Notes

Tax Claim Bureaus manage the 5-year holding period locally.

Verify Legal Statutes > PA Tax Sale Law § 5860.205

RHODE ISLAND (RI)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
Deadline3 YEARS
Analysis Notes

Highly judicial small state. Legal representation mandatory.

Verify Legal Statutes > RI Gen Law § 44-9-27

SOUTH CAROLINA (SC)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline2 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline2 YEARS
Analysis Notes

Delinquent Tax Collector holds surplus locally for 2 years.

Verify Legal Statutes > SC Code § 12-51-130

SOUTH DAKOTA (SD)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Analysis Notes

Predictable patterns. Funds held by the county treasurer.

Verify Legal Statutes > SD Codified Law § 10-22-27

TENNESSEE (TN)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline1 YEAR
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline1 YEAR
Analysis Notes

Local claim window is short before funds move to the state level.

Verify Legal Statutes > TN Code § 67-5-2702

TEXAS (TX)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline2 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline2 YEARS
Analysis Notes

Avoid pursuing tax overage unless you possess a surety bond. Very specialist-friendly.

UTAH (UT)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Analysis Notes

Trustee sale surplus follows clear unclaimed property rules.

Verify Legal Statutes > Mortgage Statute Link

VERMONT (VT)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqYES
DeadlineVARIES
Analysis Notes

Strictly judicial foreclosure. Attorney mandatory for motions.

Verify Legal Statutes > VT Statute Title 32 § 5259

VIRGINIA (VA)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline2 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline2 YEARS
Analysis Notes

Trustees must account for surplus within 30 days of sale.

Verify Legal Statutes > Mortgage Statute Link

WASHINGTON (WA)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapFEE BAN
Attorney ReqNO
Deadline3 YEARS
Analysis Notes

Strict anti-locator fee ban for mortgage foreclosure leads.

WEST VIRGINIA (WV)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Analysis Notes

Tax surplus managed centrally by the State Auditor's Office.

Verify Legal Statutes > WV Code § 11A-3-64

WISCONSIN (WI)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
DeadlineVARIES
Analysis Notes

Judicial sale surplus is held locally by the Clerk of Courts.

Verify Legal Statutes > Mortgage Statute Link

WYOMING (WY)

Tax Sale Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Mortgage Foreclosure Surplus
Finders CapNONE
Attorney ReqNO
Deadline3 YEARS
Analysis Notes

Low volume but predictable 3-year timelines for surplus recovery.

Verify Legal Statutes > Mortgage Statute Link
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