Colorado public-trustee surplus — assignments for value are statutorily void.
Under C.R.S. §38-38-111(2.5)(c), assignments of public-trustee foreclosure surplus for value are void during the statutory window. Colorado treasurer-held overbids are a separate track under C.R.S. §38-13-1304: not enforceable for the first 2 years after transfer, capped at 20% for years 2–3, and capped at 30% after year 3.
Statutory cap: void — no fee assignments allowed
Two regimes, both time-gated — one voids assignments outright
C.R.S. §38-38-111(2.5)(c) voids fee-for-value assignments of public-trustee foreclosure surplus during the redemption and post-sale window. This is the strictest surplus regime in the country — any operator selling a Colorado-facing service that promises to buy or discount public-trustee surplus is offering something that can't be enforced.
Treasurer-held overbids in Colorado are a separate track under C.R.S. §38-13-1304: any agreement made less than 2 years after the overbid is transferred to the state treasurer is not enforceable at all. From 2 to 3 years after transfer, fees are capped at 20% of the overbid. After 3 years, the cap rises to 30%. The SurplusEdges engine routes claims to the right regime, tracks the transfer date, and hard-blocks disallowed assignments before they hit e-signature.
Real parcel & identity data
Leads matched against an owned parcel/owner/identity spine, not a rented or scraped county list.
Fee-cap & deadline enforcement
Automated, state-specific compliance checks — a feature SurplusFundsList does not offer at any tier.
Lower price
Every tier undercuts the closest SurplusFundsList equivalent (as of Aug 2026) — without cutting the feature set.
SurplusEdges vs. SurplusFundsList
Same category of product — leads, CRM, skip-trace — but built on different foundations. Here's the feature-by-feature breakdown.
Swipe to see the full comparison →
| Capability | SurplusEdges | SurplusFundsList |
|---|---|---|
| Top-tier monthly price | $899/mo | $1,299/mo |
| Nationwide lead access | $349/mo | $499/mo |
| Entry-level single-state tier | $79/mo | From $170/mo |
| Lead data source | Proprietary parcel / owner / identity spine | Rented or aggregated county-list data |
| Pipeline / CRM | Included | Included |
| Skip-traced contacts | Included | Included |
| Attorney directory | Included | Included ("The Vault") |
| E-signature workflow | Included | Included |
| Automated state fee-cap enforcement | Included — Elite tier | Not offered |
| Automated filing-deadline tracking | Included — Elite tier | Not offered |
| Contract required | No — cancel anytime | No — cancel anytime |
| Setup fees | None | None |
SurplusFundsList pricing and features verified directly from surplusfundslist.com/pricing and surplusfundslist.com/compare/excess-elite.
Three tiers, each undercutting the SurplusFundsList equivalent
Subscribe now or join the waitlist for early-access updates. No bundled "free seats" gimmick that hides the real per-seat price — one number, cheaper, every tier.
Single-state lead access, matched against a real parcel/owner/identity spine.
- One state, full historical surplus data
- Skip-traced claimant contacts
- Built-in CRM & pipeline
All-state lead access plus the same spine-based match quality.
- Every applicable state, unlimited search
- Attorney directory
- Skip-trace + e-signature workflow
Everything in Pro, plus automated fee-cap and filing-deadline enforcement — a feature SFL does not offer at any tier.
- State-by-state fee-cap enforcement
- Auto-computed filing deadlines
- Everything in Pro
Leads get you the claim. Compliance is where operators actually get caught.
A Florida appellate concurrence flagged potential fee-cap and disclosure issues
Florida's fee-cap statute limits surplus-fund assignments to 12% of proceeds. In a February 2026 appellate ruling, a concurring opinion reviewed a surplus-fund recovery firm's standard-form assignment and observed that the fee structure — 12% plus up to 7.5% for costs — may exceed the statutory cap, and that the mandatory "no attorney needed" disclosure required under Fla. Stat. §45.033(3)(a)2 appeared to be missing. The majority did not rule on these issues; the observations appear in a special concurrence.
"12% of the surplus proceeds, plus up to 7.5% additional... for costs, expenses, research fees, and attorney's fees." — standard-form assignment language quoted in National Equity Recovery Services, Inc. v. Amerifund Equity Group, Fla. 6th DCA (Feb. 6, 2026) (concurring opinion)
This is exactly the failure mode the Elite tier's compliance engine is built to catch automatically, before a contract ever goes out — flagging fee stacks that exceed a state's cap and confirming the required disclosure language is present.
What SurplusEdges checks automatically
Everything you already rely on in SurplusFundsList — matched or exceeded
Pipeline & CRM
Full deal-stage tracking, notes, and task automation — same workflow you already run claims through today.
Skip-traced leads
Claimant contact data resolved against a proprietary identity graph, not a bolted-on third-party lookup per lead.
Attorney directory
Vetted attorney network for states that require licensed counsel to file the court or county paperwork.
E-signature
Send and track assignment agreements for signature without leaving the platform.
What's the maximum fee you can charge on a real claim?
Pick a state and enter a surplus amount. We'll show you the statutory cap and compare it to the 25%+ contract most operators still send. This is the same engine that runs inside the Elite tier.
Get on the SurplusEdges launch list.
We're onboarding operators state by state, starting with Florida, North Carolina, and Georgia. Reserve your seat and lock in launch pricing.
No contracts, cancel anytime once you're paying. We'll only email you launch and pricing updates — never sell the list.
Sources
- SurplusFundsList pricing table — surplusfundslist.com/pricing
- SurplusFundsList Reserve-tier feature comparison — surplusfundslist.com/compare/excess-elite
- Florida foreclosure-surplus fee cap and disclosure requirement — Fla. Stat. §45.033, Online Sunshine
- Standard-form surplus-fund assignment language, quoted in appellate concurrence — National Equity Recovery Services, Inc. v. Amerifund Equity Group, Fla. 6th DCA (Feb. 6, 2026)
- North Carolina property-finder and special-proceeding fee caps — N.C.G.S. §116B-78, Justia
- Georgia DOR-held unclaimed property fee cap — O.C.G.A. §44-12-224(d)(1), Justia
- New Jersey escheated unclaimed-property fee caps — N.J. Legislature bill text amending R.S. 46:30B-106
- Colorado public-trustee and state-treasurer custody fee rules — HB16-1090 summary, Colorado General Assembly