What is the Ohio property tax assessment ratio?

Ohio law sets taxable value at 35% of market (true) value statewide, under Ohio Revised Code §5713.03. Your county auditor must use this ratio when calculating your tax bill.

How much is the Ohio Homestead Reduction in 2026?

For tax year 2026, the general Homestead Reduction shields $29,000 of market value for qualifying owners age 65+, totally disabled, or surviving spouses age 59+ with Ohio Adjusted Gross Income under $41,000. The enhanced amount for 100% disabled veterans and surviving spouses of public-safety officers killed in the line of duty is $58,000 with no income limit. File DTE Form 105A with your county auditor.

When is the Ohio Board of Revision deadline?

Ohio's statutory Board of Revision (BOR) complaint deadline is March 31 for the prior tax year, per ORC §5715.19. Complaints are filed using DTE Form 1 with your county auditor at no cost. Late filings are rejected except in very narrow clerical-error circumstances.

How much is the Ohio real property conveyance fee?

Ohio's conveyance fee has two parts: a mandatory $1.00 per $1,000 state fee (ORC §319.54(F)(3)) and a permissive county levy of up to $3.00 per $1,000 (ORC §322.02). Most Ohio counties charge the full $4.00 per $1,000. A separate $0.50 transfer fee applies per parcel. Filed using DTE Form 100 at the auditor's office at closing.

Who qualifies for Ohio's CAUV agricultural tax break?

Ohio's Current Agricultural Use Value (CAUV) program lets actively farmed land be taxed on its agricultural value rather than its market value. Eligibility requires 10+ acres devoted exclusively to commercial agriculture, or smaller parcels with $2,500+ in gross annual income from agriculture. Apply using DTE Form 109 and renew annually with DTE 109A. Removing land from CAUV triggers recoupment of three years of saved taxes under ORC §5713.34.

Nevada Unclaimed Property: Search & Claim Money Free

Nevada State Treasurer · Missing Money · Claims · Heirs · Businesses

Search the Silver State Vault and Recover Money Owed to You

Nevada’s State Treasurer safeguards financial property that businesses and institutions could no longer return to the rightful owner. That can include forgotten bank balances, uncashed wages, utility deposits, refunds, insurance proceeds, securities, virtual currency and other financial assets.

Finding a matching name is only the beginning. This guide explains how to search intelligently, prove original ownership, choose the correct claimant type, avoid an incomplete claim, understand Nevada’s 90-day decision rule, deal with a finder or recovery company, and know exactly which office to contact when the claim stalls.

Get the quick answer Search Nevada Prepare a claim

NV UNCLAIMED PROPERTY SEARCHABLE

POTENTIAL OWNER MATCH

CLAIM ALLOWED Property → rightful claimant

SEARCH → MATCH → PROVE → REVIEW → ALLOW → PAYMENT

A name match is not enough to receive the money. Nevada specifically states that claims are paid based on the information you provide and cannot be approved simply because your name matches the reported owner. Be prepared to establish the original owner’s connection to the property and your right to receive it.

Quick answer: start at Nevada’s official NVUP search

Search the statewide database at NVUP.gov, review possible property connected to you or the person or entity you represent, begin the appropriate claim, submit the available ownership evidence and respond quickly if Nevada asks for additional proof.

1 Search the name Include former names when relevant.

2 Check the clues Compare holder, address and ownership history.

3 Choose claim type Owner, representative, estate, business or government.

4 Prove entitlement Submit useful documentation promptly.

Nevada unclaimed property facts

Official search NVUP.gov

Money protected Hundreds of millions of dollars

Common dormancy Typically 1–3 years

Claim decision Within 90 days by law

After approval Generally paid within 30 days

Owner rights Value safeguarded in perpetuity

Local phone 702-486-4140

Nevada toll free 800-521-0019

Phone hours 9 a.m.–4 p.m. Pacific

Southern office Appointment only

Open the official Nevada search only after deciding whose name you are researching. Search former names and business names separately rather than assuming one exact spelling covers every report.

Open official NVUP search Open official claim guidance

Choose the exact problem you need to solve

This guide is organized around actions instead of sending you through a directory of state pages.

Property the Treasurer can hold

Nevada unclaimed property covers far more than forgotten bank accounts

Nevada law defines unclaimed property broadly. The important question is whether a business, financial organization, government entity or another holder owed property to an owner and eventually lost contact long enough for Nevada’s abandonment rules to apply.

Uncashed wages and checks Payroll, refunds and other checks can become reportable when the owner never receives or negotiates them.

Bank deposits Dormant demand, savings and certain time deposits are covered by Nevada law.

Insurance proceeds Certain unpaid insurance proceeds or policy-related funds may become unclaimed property.

Stocks and securities Equity interests, security entitlements and related increments can be transferred into state custody.

Refunds and overpayments Customer credits, refunds and overpayments are included in Nevada’s statutory definition.

Utility deposits Nevada specifically identifies forgotten utility deposits as a common example of unclaimed money.

Virtual currency Current Nevada law expressly includes virtual currency within the statutory property definition.

Safe-deposit contents Tangible property held in a qualifying safe-deposit box or safekeeping depository can eventually be transferred to the Administrator.

Search even if you do not remember losing money. The original account may have been a utility deposit, old payroll check, insurance payment, refund, investment account or another obligation that you stopped thinking about years ago.

Official search workflow

Search broad enough to catch an old record, then narrow the match

Best search strategy

The Nevada database is public and searchable electronically. Treat each former surname, business name or ownership identity as a separate search.

Individuals: search current and previous legal names.

Businesses: try present and former entity names.

Deceased owners: search the decedent rather than only the heir.

Multiple states: property may have been sent to a state connected with the owner’s last-known address.

Search step by step

Start at NVUP.gov Nevada law requires the Administrator to maintain a publicly available statewide electronic database.

Search the reported owner Use the individual or entity that originally owned the account or payment.

Repeat the search under former names Maiden names, previous surnames and renamed businesses can reveal records a current-name search misses.

Review possible address clues An old Nevada address may be more meaningful than where you live now.

Identify the holder The reporting institution can help you decide whether a possible match fits your history.

Begin a claim only when you have a legitimate connection Nevada penalizes knowingly fraudulent claims, so do not claim a same-name record simply to see what happens.

Human search strategy: if “Robert J. Smith” gives no useful answer, search “Robert Smith,” “Bob Smith,” a former surname where applicable, and any business entity the person owned. Search one identity at a time.

Search Nevada unclaimed property

Search troubleshooting

No Nevada match? Work through these explanations before assuming the money is gone

Current surname found nothing Search maiden names, former surnames, alternate legal names and prior spelling variations.

Business search failed Try predecessor entities, older legal names, DBA names and names without punctuation.

The account was very recent The holder may still have the property because the applicable Nevada abandonment period has not expired.

You moved to or from another state Search the other state connected with your last-known address or account history.

A relative died Search the deceased owner’s name first, then use Nevada’s deceased-individual claim route.

A company says it already sent the money Ask when and to which state the property was reported before running another search.

Military insurance is involved Certain federal veteran or military insurance funds require a federal search rather than the Nevada database.

You received a finder letter Search NVUP.gov yourself before signing a recovery contract or agreeing to a percentage fee.

Claim submission

Match the property first, then build a claim Nevada can verify

Nevada provides five different claimant routes

ORIGINAL OWNER Your own property Prove that you are the person or entity originally entitled to the reported asset.

LIVING OWNER Owner cannot file Nevada provides a route for a person claiming on behalf of a living owner who is unable to file personally.

DECEASED OWNER Estate or heir Establish the deceased owner’s connection to the property and your legal entitlement or authority.

BUSINESS Business entity Establish that the property belongs to the entity and that you have authority to act for it.

GOVERNMENT Government entity Nevada also provides a separate government-entity claim route.

Claim micro steps

Select the correct claimant relationship The proof for an original owner is different from the proof needed by an heir or business representative.

Complete the state-prescribed claim Nevada regulations identify Form UP-5 as the claim for property presumed abandoned.

Submit the evidence you currently have Claims are evaluated from the information supplied by the claimant.

Explain unavailable evidence when necessary Nevada’s claim guidance says that if requested information cannot be provided, a written explanation may be submitted for review.

Read every follow-up request If more evidence is needed, Nevada says you will be notified in writing why it is being requested.

Respond before the claim becomes stale Nevada regulations allow a claim that remains incomplete for 90 days to be denied.

Open official Nevada claim options Search before filing

Ownership evidence

Build proof around the ownership problem Nevada actually needs to solve

The goal is not “send a lot of documents”

The goal is to prove the missing link between the reported property and the claimant. Nevada determines the supporting documents case by case.

A strong submission explains identity, the owner’s historical connection to the holder or address, and any legal relationship that gives another person authority to claim.

Identity evidence for the claimant

Proof connecting the owner to the reported address

Old statement, check or account record when available

Former-name evidence when names differ

Estate authority for a deceased-owner claim

Business authority for an entity claim

Written explanation when a requested item cannot be obtained

Copy of a recovery agreement if one applies

Do not send random sensitive documents. Use Nevada’s claim instructions and any written request from the Administrator to determine what evidence is actually needed for that claim.

Statutory claim timing

Nevada has a defined 90-day claim-decision window

Day 0 Claim filed

The state receives the verified claim and supporting information.

Review period Up to 90 days

The Administrator must allow or deny the claim and provide written notice.

If allowed Within 30 days

The property or net proceeds generally must be paid or delivered.

If denied Reason provided

The notice should explain the denial and identify additional evidence needed.

A 90-day review period does not mean every claim takes 90 days. It is the statutory outside period for Nevada to allow or deny a properly filed claim under NRS 120A.640.

Incomplete or denied claim

A denial does not necessarily mean the property is lost

Identity was not sufficiently established Review the written notice and provide the evidence Nevada says is missing.

Old address could not be proven Look for older statements, tax documents, leases, utility records or other historical evidence.

Estate authority is unclear The issue may be entitlement rather than whether the deceased owner originally owned the property.

Business authority is unclear Separate proof may be needed for both the entity and the person acting for it.

Claim remained incomplete Nevada regulations permit denial after 90 days of incompleteness.

You received a denial letter Nevada law allows the claimant to file a new claim or pursue the statutory court remedy where appropriate.

Useful distinction: “I cannot locate one document” and “I cannot prove the claim” are not automatically the same thing. Nevada’s published guidance specifically allows a claimant who cannot provide requested information to submit a written explanation for review.

Finder and locator contracts

Nevada has unusually specific rules for people who charge to recover unclaimed property

0–24 months Recovery agreement generally void

Nevada generally makes a recovery agreement unenforceable during the period that begins when the property is presumed abandoned and extends through 24 months after the property is paid or delivered to the Administrator.

→

Under 5 years Maximum generally 10%

Once an otherwise enforceable agreement is permitted, compensation generally may not exceed 10% when the state received the property less than five years before the agreement.

→

5+ years Maximum generally 20%

When the state received the property five years or more before the agreement, Nevada generally caps compensation at 20%.

An enforceable agreement must contain important details

Agreement is in writing

Nature of the property is clearly identified

Services to be performed are stated

Date property was delivered to Nevada is stated

Nevada statutory provisions are disclosed

Apparent owner signs the agreement

Property value before compensation is stated

Property value after compensation is stated

Search the state database yourself before signing anything. A finder may have discovered a public record that you can claim directly. Nevada’s own search exists specifically to help owners locate property held by the state.

Read NRS Chapter 120A

Why money becomes unclaimed

Different property types use different abandonment periods

Nevada says the property type determines the abandonment period and that the period is typically one to three years. Some statutory categories use much longer periods.

Bank deposits / stock

3 yrs

Money orders

7 yrs

Traveler’s checks

15 yrs

Selected Nevada statutory abandonment examples
Property	Published statutory period	Practical meaning
Stock or equity interest	3 years after the last indication of owner interest	Regular account contact can matter.
Demand or savings deposit	3 years after last owner indication of interest	Dormant bank accounts can eventually be reported.
Certain business debt	3 years after the most recent unclaimed interest payment	Financial obligations are not limited to cash deposits.
Money order	7 years after issuance	The dormancy period is substantially longer than ordinary accounts.
Traveler’s check	15 years after issuance	This category uses one of Nevada’s longest listed periods.

Prevent future escheatment: keep your address current, cash checks, respond to financial institutions and maintain ordinary account activity or contact where appropriate.

Holder due diligence

A legitimate company may contact you before the money reaches Nevada

Nevada generally requires a holder to send written notice before reporting qualifying property when it has a usable owner address and the property is worth at least $50.

60–120 days

The ordinary written notice must generally be sent not more than 120 days and not less than 60 days before the holder files its report.

$50+

Nevada’s ordinary due-diligence notice rule applies when qualifying property has a value of at least $50 and the holder has a usable address.

$1,000+

Stocks, equity, retirement accounts and virtual currency valued at $1,000 or more require certified-mail notice under the current statute.

If you receive a legitimate due-diligence letter: contact the holder using contact information you independently verify. Recovering the property before it is transferred to Nevada can be simpler than filing a later state claim.

Stocks and tangible property

Not every Nevada claim is simply a cash balance

Securities

Nevada law permits the Administrator to handle and dispose of securities transferred as unclaimed property under the applicable statutory rules.

Dividends and increments

An allowed claimant may also be entitled to qualifying dividends, interest or other increments credited under Nevada law.

Safe-deposit contents

Tangible property from a safe-deposit box or safekeeping depository is subject to separate delivery and eventual disposition rules.

Old jewelry or safe-deposit contents may no longer exist in the original physical form. Nevada law authorizes public sale, transfer, disposal or destruction of certain abandoned tangible property under specified procedures. A valid claim may therefore involve proceeds rather than the original object.

Military and veterans

Do not assume every missing military insurance payment is in Nevada’s database

Nevada’s military-resource page specifically warns that its state unclaimed-property search is not the right database for every military life-insurance issue.

Nevada state property

Use NVUP.gov for property actually reported into Nevada’s unclaimed-property system.

VA insurance funds

The U.S. Department of Veterans Affairs maintains its own official unclaimed insurance-funds search for certain VA life-insurance programs.

SGLI/VGLI distinction: the current VA unclaimed-funds search itself states that it does not include SGLI or VGLI funds from 1965 to the present. Use the appropriate VA/insurance servicing route for those policies.

Open official VA insurance-funds search

Business holder obligations

If your company is holding someone else’s dormant money, use Nevada’s holder process—not a claimant form

Nov 1 Most holders

Nevada law requires most annual holder reports before November 1 covering the 12 months preceding July 1.

May 1 Insurance companies

Insurance-company reports are due before May 1 for the immediately preceding calendar year.

Electronic Reporting and payment

Nevada generally requires holder reporting and payment through the Administrator’s business portal unless a waiver is granted.

Holder penalties can be substantial. Nevada law provides for interest and civil penalties when a holder fails to report or deliver property as required. Businesses should use the Treasurer’s current holder guidance rather than relying on a consumer claim article.

Open Nevada holder reporting

Official Nevada contact

Have the property and claim details ready before calling

Local phone

702-486-4140

Nevada toll free

800-521-0019

Nevada only.

Phone hours

9:00 a.m.–4:00 p.m.

Pacific Time

Southern Nevada office

1 State of Nevada Way
Suite 410
Las Vegas, NV 89119

Appointment-only office: the Treasurer currently states that the Southern Nevada office is open by appointment only. Call 702-486-4140 before traveling.

Prepare this information before contacting staff

Full owner name as reported

Property or claim ID when available

Holder or company name

Former address connected with the property

Date claim was filed

Additional-document request you received

Claimant relationship to the original owner

Specific question you need answered

Open official Nevada contact page Call 702-486-4140

Before you submit anything

Five mistakes that can make a simple money claim harder

Claiming by name only

A matching name does not establish ownership.

Ignoring old addresses

The reported address may be years or decades old.

Using the wrong claimant

An heir, owner and business representative have different authority.

Ignoring state mail

An unanswered evidence request can leave the claim incomplete.

Paying a finder first

Search the state database yourself before agreeing to compensation.

10 practical answers

Nevada unclaimed property FAQs

Is the Nevada unclaimed property search free?

Nevada maintains a public statewide unclaimed property database through the State Treasurer. You can search the state database yourself and do not need to hire a finder simply to locate or claim your own property.

How do I search for unclaimed money in Nevada?

Start at NVUP.gov, the Nevada Unclaimed Property website. Search the owner’s name, review possible matches and begin a claim only for property you can legitimately connect to the owner.

How long does Nevada have to review an unclaimed property claim?

Nevada law provides that the Administrator must allow or deny a filed claim within 90 days and provide written notice of the decision. If approved, payment or delivery generally must occur within 30 days after the claim is allowed.

What happens if my Nevada unclaimed property claim is incomplete?

Nevada regulations allow an incomplete claim to be denied if it remains incomplete for 90 days after filing. A claimant may later file a new claim, so respond promptly to requests for additional evidence.

Can I claim Nevada unclaimed property for a deceased person?

Yes. Nevada provides a claim path for property belonging to a deceased individual. The claimant must prove both the original owner’s connection to the property and the claimant’s legal authority or entitlement.

Can I claim Nevada unclaimed property for a business?

Yes. Nevada provides a separate claim path for business entities. The claimant should be prepared to establish the business’s connection to the property and the person’s authority to act for the entity.

Is there a deadline to claim Nevada unclaimed property?

Nevada states that the Treasurer safeguards the value of unclaimed property in perpetuity and that the original owner or heir does not lose the ability to claim the property value.

How much can an unclaimed property finder charge in Nevada?

Nevada law generally makes recovery agreements unenforceable during the period beginning when property becomes presumed abandoned and ending 24 months after it is delivered to the Administrator. After that period, compensation is generally limited to 10% when the property was delivered less than five years earlier and 20% when it was delivered five years or more earlier.

What types of property can become unclaimed in Nevada?

Examples include bank accounts, uncashed payroll checks, securities, utility deposits, insurance proceeds, refunds, security deposits, stored-value property, virtual currency, mineral proceeds and certain safe-deposit-box contents.

What is the Nevada Unclaimed Property phone number?

The Nevada State Treasurer lists 702-486-4140 as the local Unclaimed Property number and 800-521-0019 as a toll-free number for Nevada callers. Published phone hours are 9 a.m. to 4 p.m. Pacific.

Information reviewed August 8, 2026: Nevada search and claim guidance, claimant categories, current State Treasurer contacts, abandonment periods, claim-decision timing, incomplete-claim rules, property definitions, due-diligence requirements, finder-contract limits, holder-report deadlines and military-insurance routing were checked against the Nevada State Treasurer, Nevada Legislature and U.S. Department of Veterans Affairs.

Independent guide: This page is not the Nevada State Treasurer or Nevada Unclaimed Property Division. Use NVUP.gov for the live statewide search and the Treasurer’s official claim system for filing. Do not submit Social Security numbers, identification documents, estate papers or business records to an unofficial website merely because it claims to have located money in your name.

Khushboo Bobade

Khushboo Bobade is the editor and digital publisher of CountyAuditors.org. She oversees the research and editorial process for the website, ensuring that information about county auditor offices, property records, and government resources is accurate, verified, and easy for visitors to understand.

Ohio Auditor Tools · Tax Year 2026

10 Ohio Property Tax Calculators & Auditor Tools

Built specifically for Ohio's 35% assessment ratio, current DTE forms, and 2026 Homestead, Owner-Occupancy, CAUV, Conveyance Fee, and Board of Revision rules. Every number reflects verified Ohio Department of Taxation amounts.

Homestead: $29,000 Enhanced Vet: $58,000 OAGI limit: $41,000 Assessment: 35% of market BOR filing: Free · DTE 1

Annual Tax Bill Estimator

OHIO

Applies Ohio's 35% assessment ratio plus your county's effective millage tier — the actual math your auditor uses.

County tier

Your effective rate (%)

Market (appraised) value ($)

Pick a county tier and enter your market value.

Homestead Reduction Calculator

DTE 105A

2026 Ohio Homestead: $29,000 general or $58,000 enhanced (100% disabled vet, KIA spouse). OAGI under $41,000 required for non-veteran applicants.

Exemption type

Home market value ($)

County effective rate (%)

Pick your situation and enter your home value.

Owner-Occupancy & Non-Business Credits

DTE 105C

Every Ohio owner-occupied home qualifies for the 2.5% Owner-Occupancy Credit plus the automatic 10% Non-Business Credit. Most owners don't realize these stack.

Current annual property tax ($)

Enter your annual tax to see both credit amounts.

Conveyance Fee Calculator

ORC 322

When you sell or transfer Ohio property, the auditor collects $1 state + up to $3 county per $1,000, plus $0.50 per parcel. Counties choose their rate.

Sale / consideration price ($)

County fee rate

Number of parcels

Enter sale price and pick your county rate.

CAUV Agricultural Savings

DTE 109

Ohio's Current Agricultural Use Value cuts taxable value dramatically for farmland (10+ acres, or smaller with $2,500+ annual gross income).

Market value of farmland ($)

CAUV value (from auditor) ($)

County effective rate (%)

Enter both market and CAUV values to see savings.

Mill Rate Converter

Ohio tax rates appear three ways on auditor sites: mills, percent, or dollars per $1,000. Convert between them instantly.

Convert from

Value

Enter a rate to see all three forms.

Parcel Number Cleaner

Ohio's 88 counties each format parcels differently — Franklin uses 010-123456-00, Cuyahoga uses 001-23-456, Hamilton uses 100-0001-0001-00. Auto-detects.

Parcel / APN / PIN

Paste any Ohio county parcel to format it.

35% Ratio Sanity Check

Ohio law sets taxable value at 35% of market value. If yours is significantly higher, you're a strong BOR appeal candidate.

Taxable value (from tax bill) ($)

Likely market value ($)

Enter both values to compare against Ohio's 35% target.

BOR Appeal Savings

DTE 1

A successful Board of Revision complaint typically cuts your value 10–20%. Filing is free and stays in effect until the next reappraisal.

Current annual tax ($)

Likely value reduction

Enter your tax bill and reduction estimate.

BOR Deadline Countdown

MAR 31

Ohio's statutory Board of Revision filing deadline is March 31 for the prior tax year. Miss it and you wait until next year — no extensions.

Filing deadline (default March 31)

Set your deadline to start the countdown.

Verify with the official Ohio source

These calculators use the verified 2026 Ohio Department of Taxation amounts and statutory rules. For your exact bill, exemption status, and county-specific deadlines, always confirm with your county auditor and the Ohio Revised Code:

Ohio Dept. of Taxation — Real Property DTE Forms (105A, 105C, 1, 109) ORC 5715 — Board of Revision ORC 5713 — Taxable Real Property ORC 322.02 — Conveyance Fee ORC 319.54(F)(3) — State Fee ORC 5713.30 — CAUV tax.ohio.gov — Main Portal

Estimates use Ohio's 35% statutory assessment ratio and effective tax rate tiers averaged across major Ohio counties. Your actual bill depends on local school levies, voted millage, inside vs. outside millage splits, House Bill 920 reduction factors (HB 920), and special assessments. The 2026 Homestead general amount ($29,000) and enhanced amount ($58,000) reflect HB 187 inflation indexing — your county auditor's office may show slightly different transitional figures. Nothing here is legal or tax advice. CountyAuditors.org is an independent informational directory, not affiliated with any county government.