- October 11, 2013
- Posted by: U.S. Title Records
- Category: Real Estate Post
How do you find out if there are LIENS on a property or person?
Property shopping and the big decisions that come with it can be overwhelming. Whether you are ready to buy a property or simply wanting to know if your home has a lien on it, there are some things to consider when looking up lien records on real estate or property and property owner.
Real Estate and personal lien records are not always public record or online for that matter. The records may only be available to a licensed Abstractor, title company or real estate attorney, depending on the relevant county and state laws. (Various types of liens can be viewed on this page: Types of property liens). If lien and judgment records are available to the public in a certain state or county, the county recorder website or clerk’s office may offer searches for these records indexed online searched and obtained by name searches, lot and block, parcel number or street address. In some cases a free search may be offered by the county website and documents can be obtained for a fee. Other counties offer monthly or yearly subscriptions for high-volume users. These recorded documents and records will typically be referenced by book and page (Book/Page), instrument numbers or grantee and grantor.
Personal liens are different in nature from property liens as they are filed or recorded against the individual or business (also known as General lien) first, eventually finding its way and attaching to the individual or entity’s property as collateral or leverage used by the debtor. These types of Liens and are usually filed by a federal or state tax authority or in the form of a judgment issued by a court as a an opinion, decision or ruling.
It is worthy to note that during an asset search on an individual or entity, one must consider potential superior liens on the assets owned by the individual/entity before making decisions about whether or not to pursue collection of a debt to you or your company. The end game is to perform optimum due diligence by utilizing valid and trusted resources prior to a property acquisition or asset recovery effort.
US Title Records