Common things revealed by a title search
1.True owner on record
A Current Owner Search is a search that provides the current vesting deed and all deeds leading back to the most recent out-of-family deed that is at least 24 months old. Also included are copies of any open mortgages and assignments against the current owners, any judgments and liens against the current owners, and also tax assessment and current tax information including any delinquencies.
A Two Owner Search is a search that provides the current vesting deed and all deeds leading back to the prior owner’s warranty deed (two full value, warranty deeds will usually be included in the search). Also included are copies of any open mortgages and assignments against any owners found, any judgments and liens against those owners, and also tax assessment and current tax information including any delinquencies.
A Full Search is a search that provides the current vesting deed and all prior deeds leading back 40 years or to a developer. Also included are copies of any open mortgages and assignments against any owners who have had ownership of the property in the past 40 years, any judgments and liens against those same owners, and also tax assessment and current tax information including any delinquencies.
2. Value (most commonly money) offered for the property
3. Any open mortgages and assignments (whether or not the mortgage was re-sold to another lender)
4. Any open liens/judgments (most common are for unpaid taxes, foreclosure actions, unpaid repairs/construction)
5. Tax and assessment information (what taxes were paid and owed; the value of the property assessed for taxation purposes) .
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