Title Search
An examination of public records to verify the legal ownership of a property and identify any claims against it.
Before issuing title insurance, the title company traces the property's ownership history back through deeds, mortgages, liens, judgments, and other recorded instruments. The goal is to confirm the seller has the right to transfer ownership and that the buyer will receive clear title.
Common issues that surface in a title search include unreleased prior mortgages, mechanic's liens from contractors, judgments from creditors, easement disputes, or title transfers within the family that weren't properly documented. Most are easily resolved before closing once identified.
The title search is generally fast, most clear titles are confirmed within a few days. Properties with complex histories, multiple recent owners, or recorded disputes can take longer. The title commitment that results lists exactly what the title insurance will and won't cover.
Related terms
Other terms you'll see alongside Title Search
A policy that protects buyers and lenders against claims arising from defects in the property's chain of ownership.
A legal claim against property that secures a debt and must be paid off before clear title can transfer.
The fees paid to the title company or attorney handling the closing, including title services and recording.
The final step of a real estate purchase or refinance where loan documents are signed and ownership or lien position transfers.
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