- October 11, 2013
- Posted by: U.S. Title Records
- Category: Foreclosure, Lien and Title Search, property deed, Property records, Property records search, PROPERTY TITLE SEARCH, Real Estate, Title companies, Title reports
Accessing Online Title Searches | Obtaining property and lien records on the web
In our digital age, you don’t need boots to reach a county
recorder’s office. Most counties are now digitized, with some
exceptions. However, for older documents that are not available digitally,
and for county records that are not available online, our Abstractor Service
is available. Our research is as accurate as each county’s digitized
records and is similar to a preliminary title report. We generate the lien
reports by obtaining and verifying property data and records through
various sources which include online data-based indexes, as well as
document retrieval or abstracting via microfilm and microfiche per
Our research results and reports do not come with a title
insurance policy, as the records, information and results are only as
accurate as the counties’ databases. If a sale is going to close, a
title insurance policy is generally purchased to protect the parties to a
transaction from issues that may arise in the future due to incorrect data or
documents that may have been recorded improperly, or not recorded at
all. This applies to all types of consumers. For example, if a
self-represented plaintiff or an attorney is going to foreclose on an HOA
lien, before a foreclosure complaint is filed, they typically order a
litigation guarantee from a title company located within the county in which
the subject property is located. While a title researcher’s lien
reports generally match the recorded information in the local title
company’s litigation guarantee, the Full Lien Report Plus is used to estimate
the condition of title and equity, because it is produced quickly and at
a fraction of the cost of a litigation guarantee. Once a decision is
made to proceed with the litigation, the client orders the
litigation guarantee, the cost of which ranges approximately $400 to several
thousand dollars, depending on the total liability at issue.
It is critical for buyers and lenders to understand that even though data
may be recorded with the county, there are sometimes imperfections in the
material such as dates, amounts, or simple typos made when county staff
in viewing/using recorded county documents. That disclaimer absolves the county
of liability for any errors and omissions that may have been made in
site, as do most title researchers and title research companies.
Guarantees are generally only available with the purchase of insurance.
However, if the information is inaccurate and a consumer can show that, it
certainly makes sense to request a refund.
Evaluate the scenario and decide what your questions and concerns are.
Are you buying a home or commercial building? Refinancing? Selling? Are
you concerned about possible liens that were recorded but not released?
Do you have a judgment against someone? If yes, do you know how you
will recover the judgment? If not, do you know if the judgment debtor
owns property in your state? In another state? Are you doing
market research because you’re thinking about buying?
Do you have legal questions? If you have legal questions, consider
consulting a real estate attorney before making a decision about what your
needs are. Most title researchers are not attorneys and cannot give
legal advice or legal opinions.