Ohio Title Search

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A title search is a search of the public records related to the property. In the majority of cases, an agent or lawyer will utilize a number of legal documents to verify that the owner is the legal owner of the property. Beyond that, however the title search on the internet also uncovers any other liens or other claims that are against the property. These could include property tax that are unpaid or paid and judgments against the owner for negligent acts.

In order to gain access to all of this, a title search must be completed at least every year. Contact the clerk of the county in the county where the property is to complete this. They will notify you when the title search is due and what the cost will be. Typically, they are affordable. These costs can quickly rise if the property has been owned by several people or has been the subject of multiple court rulings.

You don’t have to contact the county clerk in conducting an investigation into the title. You can instead contact a title company or private investor who has the ability to access public records and locate all liens and judgments against the house. Sometimes, it’s a matter of calling the lien holder by phone or writing the lien holder a letter. Other times, it will require going to court or making formal requests to the courts. Regardless, of how it happens, the process of finding the judgments and liens may be lengthy and difficult.

With all of this being stated, it is vital to remember that there is a time and place for each of these actions. In the event that there are multiple parties involved, it is important to conduct your due diligence. You must conduct a title search regardless whether you’re working with a real estate agent or a title firm or an individual investor. A clear title is only obtained by a legal claim to the property on the day of the transaction.

You could decide to purchase the property yourself, and you’ll need an open-title insurance policy. This policy will make the selling process much easier. However, not everyone will have this easy time. Because there is so much to be gained from selling a home and because titles searches are required to ensure that you have clear title, you need to follow the regulations of your state in this process very carefully.

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If you’re buying the house for yourself and there are liens or judgments against the property you’ll need to conduct an official title search from each county where the house is located. A limited coverage search won’t often reveal additional liens that could hinder buyers from purchasing the home. A lien register is typically contain all liens that are on the trust deed.

Title insurance is typically used to protect you from liens and judgments following the closing. A title search can uncover other ownership issues. A title search may uncover other issues with ownership for instance, an owner who previously held a mortgage on the property, but did not make final payments. This could suggest that an additional mortgage was secured. In this instance an investigation of the title could identify the name of the mortgage holder. To shield yourself from accusations of wrongdoing from others, you’ll have to establish an Limited Liability Company (LLC) or a mortgage that is not listed if there is no mortgage.

Sometimes an Limited Liability Company (or Unlisted Mortgage) is required to pay tax. In this instance you’ll need inform the local tax authority that a deed of trust or other issues with ownership were used to obtain the house. You’ll be better than ready to disclose this information to your closing agent and/or to your attorney prior to closing if you have completed your title search in a short time.

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