Maryland Unclaimed Property

Complete Guide to Searching and Claiming in MD [2026]

Maryland Unclaimed Property Overview

Maryland holds millions of dollars in unclaimed property waiting to be returned to rightful owners. Recently modernized to a cloud-based system, Maryland's unclaimed property program serves the Baltimore-Washington corridor's dense population of government contractors and federal employees. The Maryland Comptroller is responsible for safeguarding and returning these assets to their owners.

Maryland uses the KAPS (Kelmar) for its unclaimed property database. Property typically becomes dormant after 3 years of no owner activity, at which point holders must report it to the state by October 31 each year.

Official Maryland Unclaimed Property Website

This is the official state website operated by the Maryland Comptroller. Use this site to:

  • Search for unclaimed property in your name or your business's name
  • File claims online (recommended for faster processing)
  • Check the status of existing claims
  • Download required claim forms
Limitations: Maryland's portal only searches Maryland. There's no way to save your search results, filter by your company, or track what you've already reviewed. Each time you search, you're starting over.

How to Claim Unclaimed Property in Maryland

1
Search the Database

Visit mdclaims.unclaimedproperty.com and search using your name or business name.

2
Verify Your Match

Check the property details (address, holder name) to confirm it belongs to you.

3
File Your Claim

Complete the online claim form or download the paper form if preferred. Online claims typically process faster.

4
Submit Documentation

Provide proof of identity and ownership as requested by the state.

5
Wait for Processing

Maryland claims typically take 12-24 weeks to process.

6
Receive Payment

Once approved, receive your funds via check or direct deposit (if available).

Maryland Unclaimed Property Regulations

Finder Fee Cap Not specified
Waiting Period No waiting period - finders can contact owners immediately
Finder License Required No
Dormancy Period 3 years
Reporting Deadline October 31
Holding Period Indefinitely
Claimiflo is not an investigator. We're a workflow tool that helps you search and organize your own unclaimed property records. We charge a flat subscription — you retain 100% of any funds recovered through your claim submissions.

Frequently Asked Questions

Maryland holds unclaimed property Indefinitely. Unlike some states that escheat property after a certain period, Maryland maintains these funds until the rightful owner or their heirs come forward to claim them.

Maryland unclaimed property claims typically take 12-24 weeks to process. Processing times vary based on claim complexity and completeness of documentation. Online submissions and complete documentation can help expedite processing.

No, you do not need a lawyer to claim unclaimed property in Maryland. The claim process is designed to be completed by individuals without legal assistance. However, for complex claims involving estates, businesses, or large amounts, professional help may be beneficial.

For business claims, Maryland typically requires: proof of Tax ID (EIN), corporate documents (Articles of Incorporation, Certificate of Good Standing), authorization letter from an officer, and documentation linking your company to the address on file. Claims over $1,000 may require notarization. Specific requirements vary by claim type and amount.

No, there is no fee charged by the state of Maryland to claim your own unclaimed property. The service is completely free. Be cautious of third-party services that charge fees; if you choose to use one, Maryland caps finder fees at Not specified.

Quick Facts

  • Processing Time
    12-24 weeks
  • Online Claims
    Yes - available
  • Platform
    KAPS (Kelmar)
  • Complexity
    Medium

Contact Maryland

Maryland Comptroller

(410) 767-1700

Official Website

Recently migrated to KAPS. New cloud-based system replaced decades-old mainframe. Quick Pay feature coming.

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