Unclaimed Property in Massachusetts
Billions of dollars sit unclaimed across the U.S. — old bank accounts, uncashed checks, insurance payouts, security deposits, and surplus funds from foreclosure or tax sales. Massachusetts holds its share. Here's how to find what's yours.
Massachusetts's unclaimed property division runs a free public database. Searching costs nothing.
Anyone asking for money upfront to "locate" Massachusetts unclaimed property is a scam.
Foreclosure & tax-sale overages are held by the county, not the state's unclaimed property office. Different process.
Most Massachusetts unclaimed property has no claim deadline. Surplus funds do — usually 1–3 years.
Two different searches
"Unclaimed property" and "surplus funds" get mixed up constantly. They're tracked by different agencies and claimed differently.
- Massachusetts unclaimed property (state treasurer / comptroller): old bank accounts, paychecks, refunds, stocks, insurance. Search the state's free database at unclaimed.org.
- Surplus funds / overages (county clerk, court, or treasurer): money left over after a foreclosure or tax sale. Held at the county level. See our Massachusetts surplus funds guide.
How we help in Massachusetts
We focus on the harder category: surplus funds. These are not in any state database — you have to know which county sold the property, request the sale report, prepare a claim, and meet a strict deadline. That's where most people give up. We handle it end-to-end on contingency (no recovery, no fee).
Watch out for
- Upfront fees: The state's database is free. Anyone charging to search it is overcharging.
- "You're owed $X" letters: Common scam. Verify with the state before paying anyone.
- Lookalike websites: Use
unclaimed.org(NAUPA) or your state treasurer's actual.govsite.
Other states
Informational only — not legal or financial advice. We are not affiliated with the Massachusetts unclaimed property office.