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Northeast
Surplus funds in Maryland.
When a property in Maryland sells at a tax sale or a foreclosure sale for more than what was owed, the extra can belong to the former owner. Here is who holds it, the law behind it, and every county office linked so you can check for yourself, free.
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Foreclosure sales here
Judicial, through the courts.
Our fee here
Tax-sale surplus: up to 25% of what you receive, shown in writing before you sign, $0 upfront, only if you are paid. We don't offer paid help for foreclosure surplus; you can claim it yourself, free.
Tax sale surplus
Lien-certificate state. After a court forecloses the right of redemption, the buyer pays the rest of the purchase price to get the deed, and any balance over taxes, interest, penalties and sale costs is paid by the tax collector to the person entitled to it, or to a court if disputed (Tax-Prop. § 14-818). Each county must have a claim process that needs no court order unless there is a dispute, and the collector must tell the prior owner of record about any balance within 90 days after delivering the deed.
Foreclosure surplus
The trustee or substitute trustee who conducted the sale holds the proceeds; distribution follows the court-ratified auditor's account
Maryland foreclosures (power of sale or assent to decree) are filed in and supervised by the circuit court. After the court ratifies the sale, a court auditor states an account of the sale showing any surplus due the homeowner (see Real Prop. §§ 7-301, 7-315); once the account is ratified the trustee pays the surplus as approved. A former owner (or other claimant) asks for the surplus in the foreclosure case; check the case file or the court for any deadline.
Fees and assignments. Real Prop. §§ 7-301, 7-314 and 7-315 regulate 'foreclosure surplus purchasers' who buy or take assignment of a homeowner's surplus: written contract in prescribed form, signed before the account goes to the auditor, mandatory notice, and the homeowner can rescind within 10 days after the audit account is stated. Foreclosure consultants (§ 7-307) cannot collect any fee until all services are fully performed. Unclaimed-property recovery agreements made within 24 months of delivery to the state are unenforceable (Com. Law § 17-325). No percentage cap found.
- Md. Code, Real Prop. § 7-301 (definitions incl. 'foreclosure surplus acquisition' and 'foreclosure surplus purchaser')
- Md. Code, Real Prop. § 7-314 (foreclosure surplus acquisition contract requirements)
- Md. Code, Real Prop. § 7-315 (homeowner right to rescind surplus contract within 10 days after audit account)
- Md. Code, Real Prop. § 7-307 (foreclosure consultant prohibitions, no fee until full performance)
- Md. Code, Real Prop. § 7-105.1 (residential foreclosure procedure)
- Md. Code, Com. Law § 17-325 (unclaimed property recovery agreements within 24 months unenforceable)
Published surplus lists
These official Maryland pages publish lists or lookups of unclaimed surplus or excess proceeds. If your name or parcel appears, the office that runs the list can tell you how to claim, free.
- Montgomery: Available tax sale surplus list (dated 2026-08-10) Department of Finance · tax sale
- Baltimore County: Tax sale surplus lists by sale year 2017-2023 Budget and Finance, Taxpayer Services · tax sale
- Howard: Tax sale proceeds/surplus spreadsheet (thru Feb 2026) Department of Finance · tax sale
- Carroll: Tax sale surplus funds list Comptroller, Collections · tax sale
- Comptroller of Maryland unclaimed property statewide
Lists change often and may be out of date. Checked October 2026.
Want it handled?
- If you want it handled: you stay the legal claimant and named payee.
- Tax-sale surplus: up to 25% of what you receive, shown in writing before you sign, $0 upfront, only if you are paid.
- We don't offer paid help for foreclosure surplus; you can claim it yourself, free.
- No recovery, no fee, and no costs.
- We don't offer paid help for money already with Maryland's unclaimed-property program; you can claim it yourself, free, from the state.
- You can cancel within 3 business days for any reason, or longer where your state's law gives you more time.
- To cancel, email [email protected] or call or text (917) 920-5868.
Every Maryland county office(24)
Surplus is public record. Call the office that held the sale with the parcel or case number; in most places it will confirm whether a surplus exists, how much, and the deadline. Self-filing is free. Each entry links the county's tax office and court clerk where the directory lists them, plus the full set of county offices.
- AlleganyAll county offices (NETR)Map: Allegany
- Anne ArundelAll county offices (NETR)Map: Anne Arundel
- Baltimore CityAll county offices (NETR)Map: Baltimore City
- Baltimore CountyAll county offices (NETR)Map: Baltimore County
- CalvertAll county offices (NETR)Map: Calvert
- CarolineAll county offices (NETR)Map: Caroline
- CarrollAll county offices (NETR)Map: Carroll
- CecilAll county offices (NETR)Map: Cecil
- CharlesAll county offices (NETR)Map: Charles
- DorchesterAll county offices (NETR)Map: Dorchester
- FrederickAll county offices (NETR)Map: Frederick
- GarrettAll county offices (NETR)Map: Garrett
- HarfordAll county offices (NETR)Map: Harford
- HowardAll county offices (NETR)Map: Howard
- KentAll county offices (NETR)Map: Kent
- MontgomeryAll county offices (NETR)Map: Montgomery
- Prince GeorgesAll county offices (NETR)Map: Prince Georges
- Queen AnnesAll county offices (NETR)Map: Queen Annes
- SomersetAll county offices (NETR)Map: Somerset
- St MarysAll county offices (NETR)Map: St Marys
- TalbotAll county offices (NETR)Map: Talbot
- WashingtonAll county offices (NETR)Map: Washington
- WicomicoAll county offices (NETR)Map: Wicomico
- WorcesterAll county offices (NETR)Map: Worcester
What we do, and your other options
Filing yourself, your own attorney, or us. Our fee in Maryland is above.
Check this yourself
This page is plain-language orientation, not legal advice. Statutes were checked against official sources in October 2026, and county links come from the NETR public-records directory, an independent resource. Laws and county procedures change, so confirm with the office before you rely on any of it. You can always file a claim yourself with no recovery fee (a court or notary may charge a small fee).