Ohio Title Search



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A title search digests the available public records relating to the property in question. In most instances, an agent or lawyer will utilize a number of different legal records to verify that the owner is the legal owner of the property. The title search performed online will also show any liens or claims against the property. These can range from tax liens (paid or unpaid) to judgments against the property owner due to various negligence-related actions.

In order to have access to all this an annual title search must be conducted at least every year. Contact the county clerk in the county in which the property is to complete this. They will provide you with information regarding when the title search is due and what the price will be. Usually, they are affordable. They can quickly increase when the property is owned by multiple people or was subject to several court judgments.

Another method is to go about conducting the title search that does not involve the county clerk. You can instead call an insurance company for title or private investor who has the time and resources to dig into the public records and locate all of the available liens and judgments against the house. Sometimes, it is as simple as contacting the lien holder or writing them an email. Other times, it will need to be taken to court or make formal demands to the courts. It doesn’t matter how it goes the process of locating liens and judgments can be frustrating and time-consuming.

With all this said it’s essential to keep in mind that every activity has a location and an appropriate time. If there are several parties that are involved in the title search it is essential to conduct your research. You must conduct an investigation into the title regardless of whether you’re working with a real estate agent or a title firm or an individual investor. The only way to clear title is to have a legal claim on the property on the day of the transaction.

As we mentioned earlier it is possible to purchase the house on your own and you will need an open title insurance policy. This will help make the selling process simpler. However many people will not find it easy. Since there is so much to be gained from selling a home and because the title search must be conducted in order to be sure that you have clear title, you must follow the rules of your state for this activity very closely.

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If you are buying the home for yourself and there are liens or judgments against the property you will have to conduct a title search from each county where the house is located. A limited coverage search will not often reveal additional liens that could hinder the buyer from purchasing the property. A lien register should list all liens on a trust deed.

Title insurance generally protects you against judgments and liens following closing. A title search could uncover other issues with ownership. A title search may reveal other ownership issues, such as an earlier owner who held a mortgage on the property but never made final payments. This could suggest that an additional mortgage was secured. A title search may identify the name of the mortgage holder in this case. If there’s no mortgage and the closing was performed against the liability of the buyer, it is necessary to conduct an Limited Liability Company (LLC) or a Unlisted Mortgage to protect yourself against claims of wrong doing by an unrelated entity.

Sometimes a Limited Liability Company or an Unlisted Mortgage may be required to pay certain taxes. In this case, you will need to inform the local tax authority that a deed of trust or other ownership documents were used to obtain the house. After you have completed your title search in a timely manner you will be better prepared to present the information to your closing agent and/or your attorney when you close.

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