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A title search identifies all public records pertaining to the property. In most cases an attorney or agent will utilize a number of legal documents to confirm that the owner is indeed the legal owner of the property. Beyond that, however the online title search also uncovers any other liens or other claims against the property. These could include taxes on the property either unpaid or paid, and judgments against the owner due to negligence.

To have full access to this information, it is necessary to conduct an annual title search at least once per year. Contact the county clerk of the county where the property is to complete this. They will inform you when the title search will be due, and what the price will go. Usually, they are affordable. These costs can quickly rise in the event that the property was held by multiple owners or has been the subject of multiple court rulings.

There is a different way to go about conducting the title search that doesn’t require the county clerk. You can instead reach out to an insurance company that deals in title searches or a private investor with the resources and time into the public records and identify all available judgments and liens against the house. Sometimes, it’s as simple as contacting the lien holder or sending them a note. Sometimes it will take the court process or making formal demands through the courts. It doesn’t matter how it’s done the process of finding liens and judgments can be lengthy and tedious.

All that being said it’s crucial to keep in mind that every activity has a purpose and an time. In the event that there are multiple parties involved, you must be sure to do your homework. You must conduct an investigation into the title regardless of whether you are working with a real estate agent, a title company, or an individual investor. A clear title is only achieved by a legal claim against the property on the day of the transaction.

You could choose to purchase the property yourself, and you will need an open-title insurance policy. A policy like this will make the process of selling very easy to complete. However there are some who will not find it that easy. It is important to follow the rules of your state regarding this kind of activity, since there are many variables which can affect the selling of a property.

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If you’re purchasing the property for yourself and there are judgments or liens against the property, you will need to conduct an official title search from each county where the property is located. A limited coverage search will not typically uncover additional liens that would prevent buyers from purchasing the property. A lien register will typically list all liens on a deed of trust.

Title insurance generally covers you from liens and judgments after closing. A title search could uncover other ownership issues. For example, if there is a previous owner who had a mortgage on the house and never made an entire payment, this could indicate that a second mortgage was obtained. In this instance, a title search could reveal the name of the person who held the mortgage. If there is no mortgage, and the closing has been done in the name of the purchaser, you should conduct an Limited Liability Company (LLC) or an Unlisted Mortgage to protect yourself against claims of wrongdoing made by another party.

Sometimes the Limited Liability Company (or Unlisted Mortgage) is required to pay tax. In these situations, you will need inform the local tax authority of trust deeds or other ownership issues used to purchase the home. You’ll be more ready to disclose the information to your closing agent and/or to your attorney at closing if you have done your title search quickly.

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