Surplus Funds Recovery in Kentucky
If your property was foreclosed in Kentucky and sold at auction for more than what was owed, you may be entitled to the surplus. Most former homeowners never find out this money exists.
Kentucky allows 1 year to claim surplus funds from a judicial sale. After that, funds may be transferred to the state.
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Check My Eligibility FreeHow Surplus Funds Work in Kentucky
Kentucky uses judicial foreclosure. This means all foreclosures go through the court system, creating a clear paper trail for surplus funds claims.
Under Kentucky Revised Statutes § 426.530, when a foreclosed property sells at auction for more than the outstanding debt (including mortgage, liens, fees, and costs), the excess amount — known as surplus funds — legally belongs to the former property owner.
Kentucky is a judicial foreclosure state where the master commissioner typically handles sales. Jefferson County (Louisville) and Fayette County (Lexington) have the highest volumes.
How to File a Surplus Funds Claim in Kentucky
Contact the master commissioner or circuit court clerk who conducted the sale
File a motion with the circuit court in the county where the sale occurred
Provide proof of identity, ownership, and entitlement
The court reviews the claim and determines priority
Surplus funds are disbursed per the court order
Sounds complicated? We handle all of this for you. Our team researches your case, prepares the paperwork, and works with licensed attorneys in Kentucky to file your claim. You only pay when we recover your funds.
Top Kentucky Counties for Surplus Funds
These Kentucky counties have the highest foreclosure volumes and are most likely to have unclaimed surplus funds:
Frequently Asked Questions — Kentucky
Kentucky allows 1 year to file a claim for surplus funds from a foreclosure sale. After this deadline, funds may be permanently forfeited or transferred to the state unclaimed property division.
Surplus amounts in Kentucky typically range from $4,000–$12,000, depending on the property value, auction price, and outstanding debt. Some cases can be significantly higher.
Yes, you can file yourself. The process involves filing with the court, providing proof of ownership and identity, and navigating the legal requirements under Kentucky Revised Statutes § 426.530. Many claims are denied due to paperwork errors, which is why most people work with a recovery service.
We work on a contingency basis — no upfront fees. Our standard fee is 25% of the recovered amount. If you use our self-service portal, you save an additional 5%. If we don't recover anything, you owe nothing.
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