Property Title Search



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A title search digests the public records available to the real estate property in question. In the majority of cases, an agent or lawyer will make use of different legal records to confirm that the property owner is legitimately the owner of the property. Beyond that, however the title search on the internet also digs up any other liens or other claims that are against the property. They can range from property taxes (paid or unpaid) to judgments filed against the owner for various negligent actions.

To gain access to all of this, a title search must be conducted at least every year. This can be accomplished by getting in touch with the county clerk for the county in which the property is located. They will inform you regarding when the title search is due and what the price will be. They are usually quite affordable. These costs can quickly increase in the event that the property was held by multiple owners or if it has been subject to several court judgments.

There is a different way to go about conducting an a title search that does not involve the county clerk. Instead, you can call a title company or private investor who has the ability to access the public records and identify all judgments and liens against the property. Sometimes, it’s as easy as calling the lien holder, or writing them a note. Sometimes, it’s going to court or making formal requests through courts. However, regardless of how it happens, the process of finding the judgments and liens could be lengthy and difficult.

In all of this it’s essential to remember that every activity has a location and an appropriate time. If there are multiple parties involved, it is important to conduct your due diligence. You must conduct an inquiry into title regardless of whether you are working with a realty agent, a title company, or an individual investor. The only way to get title is to be legally entitled to the property on the day of the transaction.

You could decide to purchase the house yourself, and will require an open-title insurance policy. This will help make the selling process easier. However it isn’t for everyone to find it easy. Be sure to adhere to the laws of your state for this kind of activity, since there are so many factors that could affect the selling of a property.

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If you decide to purchase the property on your own and you find judgments and liens that are registered against the property you need to first conduct an official title search from the county where the property is. A search with a limited coverage will typically not reveal additional liens that would prevent buyers from purchasing the house. A lien register can usually list all liens on a trust deed.

Title insurance is typically used to protect you from judgments and liens following the closing. A title search could uncover other ownership issues. For example when there is an owner prior to the search who had an outstanding mortgage on the property however, they never made the final payment, it could be that a second mortgage was obtained. In this instance the title search may identify the name of the person who held the mortgage. To shield yourself from claims of wrongdoing by others, you’ll be required to create a Limited Liability Company (LLC) or an unlisted mortgage in the event that there’s no mortgage.

Sometimes the Limited Liability Company (or Unlisted Mortgage) may be required to pay tax. In these situations you will need to inform the tax authority in your area of the deeds of trust or other ownership documents used in the purchase of the house. After completing your title search in a timely manner, you will be better prepared to present the information to the closing agent as well as your attorney when you close.

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