Full Owner Lien Report — $195
The only report that searches both the property AND the owner. Every recorded lien, every name variant, every jurisdiction. The gold standard for due diligence.
The Owner Lien Advantage: What Property-Only Searches Miss
A standard Property Lien Report ($95) searches for liens recorded against the property address — mortgages, mechanic's liens, HOA liens, and tax liens filed against the parcel itself. This catches most recorded encumbrances. But it misses an entire category of risk: liens filed against the property owner as an individual.
What is an Owner Lien Report?
An Owner Lien Report ($195) is a dual-method property title search that searches for liens both on the property (by address) and under the owner's name. This catches liens that property-only searches miss — like judgment liens filed against the owner personally. It is the most thorough lien-focused title search available. Order an Owner Lien Report.
Consider this scenario: a seller owes $85,000 in unpaid federal income taxes. The IRS files a Notice of Federal Tax Lien against the seller's name — not against any specific property address. That lien attaches to every piece of real property the seller owns, including the house you are about to buy. A property-address-only search will not find it. The Full Property/Owner Lien Report catches it because we search both the property and the owner.
The same applies to court judgments from lawsuits, child support arrears, state income tax liens, and UCC filings recorded against the individual. In many states, a money judgment automatically becomes a lien on all real property the debtor owns in that county once recorded. If your seller lost a $200,000 lawsuit and a judgment was entered, that judgment lien sits on the property you are buying — but it is indexed under the seller's name, not the property address.
The American Land Title Association reports that title professionals discover defects in roughly 25% of all titles they examine. Many of these defects involve personal liens against the owner that a property-only search would not reveal. For $100 more than the property-only report, the Owner Lien Report eliminates this blind spot entirely.
Order Full Owner Lien Report — $195 or Property-Only Search — $95
Types of Liens This Report Covers
The Full Property/Owner Lien Report searches for every category of recorded lien that can affect a property or its owner. Here is what our abstractors look for when they research your property.
Judgment Liens
Court-ordered liens from lawsuits, debt collections, and civil judgments. Filed against the property address or the individual debtor. Can remain active for 10-20 years depending on the state and may be renewed.
IRS Federal Tax Liens
Filed by the IRS when someone owes unpaid federal taxes. Attaches to all real and personal property the taxpayer owns. Survives property transfers and carries a 120-day right of redemption after foreclosure sales.
State & Local Tax Liens
Filed for unpaid state income taxes, property taxes, and municipal assessments. Property tax liens are senior to nearly all other liens — meaning they get paid first in foreclosure and can wipe out junior mortgages.
Mechanic's Liens
Filed by contractors, subcontractors, and material suppliers for unpaid construction work. In many states, mechanic's liens "relate back" to the date work began — potentially taking priority over mortgages recorded after construction started.
HOA & Condo Liens
Filed by homeowner associations and condominium associations for unpaid dues and special assessments. In Florida, Nevada, and other states, a portion of unpaid HOA dues has "super-lien" status and can survive foreclosure.
UCC Filings
Uniform Commercial Code filings secure interests in personal property and fixtures. They appear in lien searches when equipment, solar panels, or other fixtures attached to real property are financed and the lender files a UCC-1 statement.
Lis Pendens
A "notice of pending litigation" recorded against the property, warning buyers that a lawsuit affecting the title is in progress. Lis pendens can signal foreclosure actions, ownership disputes, partition suits, or contract claims.
Mortgage Liens
All recorded mortgages, deeds of trust, and home equity lines of credit (HELOCs) against the property. The report includes recording dates, lender names, original amounts, and any satisfaction or release documents.
Personal Liens Against the Owner
Liens filed under the owner's name including child support liens, bankruptcy filings, alimony judgments, and personal guaranty obligations. These are only visible through an individual owner search — property-address searches miss them entirely.
What Liens Survive Foreclosure? A Buyer's Guide
One of the most common questions from auction buyers is: "Will I inherit liens if I buy a foreclosure property?" The answer depends on which lien is doing the foreclosing and what other liens are recorded against the property. In general, a foreclosure sale eliminates liens that are junior (recorded after) the foreclosing lien — but liens that are senior (recorded before) survive.
Here is what typically survives a foreclosure sale and what gets wiped out:
| Lien Type | Survives Mortgage Foreclosure? | Notes |
|---|---|---|
| Property tax liens | ✓ Yes — almost always | Senior to all other liens in nearly every state |
| IRS federal tax liens | ✓ Yes (with 120-day redemption) | IRS has 120 days to redeem after sale; lien survives if not redeemed |
| HOA super-liens (FL, NV, etc.) | ✓ Partial survival | 6-12 months of unpaid dues may survive in super-lien states |
| Senior mortgages | ✓ Yes | First mortgage survives if second mortgage forecloses |
| Junior mortgages | ✗ Wiped out | Eliminated when senior lien forecloses |
| Junior judgment liens | ✗ Usually wiped out | Eliminated if recorded after the foreclosing mortgage |
| Mechanic's liens | ✓ Depends on state | May relate back to start of work, potentially predating mortgage |
| Personal liens against owner | ✓ May reattach | If the same owner reacquires property, personal liens reattach |
This is why the Full Property/Owner Lien Report is non-negotiable for auction buyers. A property-only search tells you what liens exist — but the owner search reveals personal liens that could reattach or that indicate financial distress affecting the property in ways that are not visible from the address alone. The report gives you the complete risk picture so you can bid with confidence — or walk away before committing money.
For the most thorough auction due diligence, pair this report with the Expanded Title Search ($295), which adds copies of every vesting deed, a full chain of title, property valuation, and a written synopsis with alerts flagging potential issues.
How the Lien Search Process Works
Running a property lien check online through U.S. Title Records takes less than three minutes. Here is what happens after you place your order.
Enter the Address
Type the property address into the order form on this page. Add the owner's name for the individual search. Complete checkout securely online.
We Research the Property
Professional abstractors search county recorder offices, federal court records, state lien databases, and public records sources for all recorded liens against the property and owner.
Report Compiled
All findings are compiled into a clear, organized PDF report with recording details, amounts, creditor names, filing dates, and release status for every lien discovered.
Delivered by Email
Your report is emailed within 12-24 hours. No office visit required. No appointment needed. Order from anywhere, any time — including weekends and holidays.
Cost Comparison: Lien Search Options
Most people searching for "property lien search near me" discover that local options are expensive and slow. Here is how U.S. Title Records compares to the alternatives for a combined property and owner lien search.
| Option | Typical Cost | Turnaround | Owner Search Included? | Nationwide Coverage? |
|---|---|---|---|---|
| U.S. Title Records | $195 | 12-24 hours | ✓ | ✓ All 50 states |
| Title Company (Prelim Report) | $200 – $500 | 5 – 10 business days | ✗ Usually not | ✗ Local only |
| Real Estate Attorney | $300 – $800+ | 3 – 14 business days | Varies | ✗ State-specific |
| DIY County Recorder Search | Free – $25 per document | Hours to days (in person) | ✗ Manual only | ✗ One county at a time |
| Online Data Aggregators | $20 – $50/month subscription | Instant (limited data) | ✗ | Partial (major counties only) |
The DIY approach requires visiting the county recorder's office in person, knowing exactly which grantor/grantee indexes to search, and checking both state and federal courts for judgment and tax liens. For properties in states you do not live in — or for auction properties where time is limited — a professional lien search saves days of work and eliminates the risk of missing a lien filed in a court or recording system you did not know to check.
Who Orders the Full Property/Owner Lien Report?
Foreclosure Auction Buyers
Foreclosure properties sell as-is with existing liens. Personal liens against the former owner — IRS tax liens, court judgments, child support liens — can attach to property you are bidding on. This report reveals them before you bid, letting you calculate the true acquisition cost.
Tax Sale Buyers
Tax lien and tax deed sales carry unique risks. While the tax sale may extinguish some junior liens, IRS federal tax liens survive with a 120-day redemption window, and other encumbrances may remain. A lien search before any tax sale bid is essential due diligence.
Home Buyers (Traditional Purchase)
The single best investment before making an offer on any home. For $195, you get full disclosure of every recorded lien and the owner's personal financial background — before you sign a purchase agreement or open escrow. Stronger than waiting for the lender's title search.
Real Estate Investors
Screen potential acquisitions for hidden liabilities. The owner profile reveals whether the seller has bankruptcy filings, outstanding judgments, or personal liens that could complicate the transaction — or signal a motivated seller willing to negotiate on price.
Owner-Financed Transactions
When buying directly from an owner (seller financing, contract for deed, land contract), you have no title company performing due diligence for you. This report fills that critical gap and protects you from inheriting the seller's personal debts.
Pre-Divorce Asset Discovery
Discover all real property and personal liens for a spouse or former spouse. The personal asset report shows real estate and vehicles owned nationwide — critical for equitable property division.
Judgment Recovery & Collections
If you hold a judgment against someone, this report reveals their real property assets, vehicles, employment, and known addresses — the information needed to locate assets for judgment enforcement or to record a lien against their property.
Attorneys & Paralegals
Real estate attorneys, family law practitioners, and litigation counsel use the Owner Lien Report for pre-closing review, asset identification in divorce proceedings, quiet title preparation, and judgment enforcement. Bulk and recurring orders are available — email Office@ustitlerecords.com.
Compare All U.S. Title Records Services
Not sure which report fits your situation? This comparison shows what each service level covers so you can match the right product to your transaction.
| Report | Price | Delivery | Property Liens | Owner Liens | Deed Copies | Valuation |
|---|---|---|---|---|---|---|
| Property Detail | $29 | Same day | ✗ | ✗ | ✗ | ✗ |
| Deed Copy | $45 | Same day | ✗ | ✗ | ✓ | ✗ |
| Valuation | $49 | Same day | ✗ | ✗ | ✗ | ✓ |
| Lien Report | $95 | Same day | ✓ | ✗ | ✗ | ✗ |
| → Owner Lien Report | $195 | 12-24 hrs | ✓ | ✓ | ✗ | ✗ |
| Chain of Title | $275 | 3-5 days | ✓ | ✗ | ✓ | ✗ |
| Expanded Title Search | $295 | 1-3 days | ✓ | ✓ | ✓ | ✓ |
Which Report Do You Need?
The Owner Lien Report — The Most Thorough Lien-Focused Property Title Search
The Owner Lien Report ($195) is the most thorough lien-focused property title search offered by U.S. Title Records. It combines two searches into one: a property-based lien search (searching property records tied to the address) and a name-based lien search (searching for liens filed under the owner's name). This dual-approach property title search catches liens that single-method searches miss entirely.
Why does this matter? Some liens — like judgment liens and certain tax liens — are filed against a person, not a property. A property-only search for property records may not find them. The Owner Lien Report searches for property liens both ways, giving you the most complete picture of all encumbrances. This is why attorneys, lenders, and serious real estate investors order the Owner Lien Report instead of the standard Property Lien Report ($95) when the stakes are high.
The Owner Lien Report pairs well with the Chain of Title ($275) for clients who need both ownership history and complete lien information. Together, these two property title searches cover nearly everything the Expanded Title Search ($295) provides. To search property records and order the Owner Lien Report, visit Search Property Records or email Office@ustitlerecords.com. See all title search services.
What is a Full Owner Lien Report?
The Full Owner Lien Report ($195) from U.S. Title Records is a dual-layer lien search that searches both the property address and the property owner's name across all relevant jurisdictions. This catches specific liens attached to the property (tax liens, mechanic's liens) and general liens attached to the owner (judgment liens, IRS liens) — providing more thorough coverage than a property-only search.
Why does searching the owner's name matter?
General liens like judgment liens and federal tax liens attach to the person, not the property. A search limited to the property address may miss these encumbrances entirely. The owner name search discovers judgments, IRS liens, and other claims filed against the individual that encumber all property they own — catching debts that a property-only lien report ($95) would not reveal.
Who should order the Owner Lien Report?
The Owner Lien Report is recommended for foreclosure auction buyers (where traditional title insurance is not available), investors purchasing from individuals in financial distress, attorneys conducting asset investigations, and anyone whose transaction involves a seller with potential creditor issues. For standard home purchases with title insurance, the Property Lien Report ($95) is typically sufficient.
The Owner Lien Report fills the gap between a basic property lien search and a complete title examination. A property-only search tells you what is recorded against the real estate — but it cannot reveal debts attached to the owner as a person. An individual with unpaid federal taxes, outstanding court judgments, or defaulted business loans carries those liens on every property they own. If you buy from that individual and those liens were not discovered, they remain attached to the property you just purchased.
This dual-search approach is especially critical in non-traditional transactions. At foreclosure auctions, there is no title company running a pre-closing search on your behalf. In seller-financed deals, the buyer may not have the protections that come with lender-required title insurance. In estate transactions, the deceased owner may have had judgments or tax debts that now encumber inherited property. The Owner Lien Report provides the level of due diligence these situations demand. For the most thorough analysis available including full ownership history and a professional written synopsis, see the Expanded Title Search ($295). For help determining which report fits your situation, see our title search services comparison.
Does the Owner Lien Report include chain of title?
No. The Owner Lien Report focuses exclusively on liens and encumbrances — it searches for all recorded liens against both the property and the owner. For ownership history and chain of title documentation, order the Chain of Title Report ($275) or the Expanded Title Search ($295) which includes both full lien research and complete chain of title.
How fast is delivery for the Owner Lien Report?
Most Full Owner Lien Reports are delivered within 1-3 business days. The dual search requires research across both property records and name-based court and tax records, which takes slightly longer than a property-only search. Reports are delivered as PDF documents via email. For time-sensitive transactions, email Office@ustitlerecords.com for rush processing.
Can the Owner Lien Report find liens in other counties?
Yes. General liens like judgment liens and IRS tax liens can be recorded in any county where the debtor owns property. The owner name search in the Full Owner Lien Report examines records across relevant jurisdictions — not just the county where the subject property is located. This multi-jurisdictional search catches liens that a single-county, property-only search would miss entirely.
The difference between the Property Lien Report and the Owner Lien Report is the difference between searching the address and searching the person. Consider a scenario where a property owner has a $75,000 federal tax lien recorded in a neighboring county. A property-only lien search would not find it. The Owner Lien Report searches the owner's name and discovers the tax lien — which encumbers every property the owner holds, including the one you are about to purchase. For auction buyers and investors working with financially distressed sellers, this level of coverage is not optional — it is the minimum due diligence required to protect your investment. See our title search cost comparison for pricing across all report types.
Frequently Asked Questions
A property owner lien search examines both the property address AND the current owner as an individual. It reveals all liens recorded against the property (mortgages, mechanic's liens, HOA liens, tax liens) plus personal liens filed against the owner (IRS tax liens, court judgments, UCC filings, bankruptcies). U.S. Title Records offers this combined search for $195 with 12-24 hour delivery to any address in the country.
The Property Lien Report ($95) searches only for liens recorded against the property address. The Owner Lien Report ($195) adds a personal lien search against the current owner — revealing IRS tax liens, court judgments, UCC filings, and bankruptcies filed under the owner's name rather than the property address. These personal liens can attach to all property the individual owns, making them critical to discover before buying.
A property-only lien search costs $95. The full property and owner lien search costs $195. Title companies charge $200-$500 for preliminary reports, and real estate attorneys charge $300-$800+ for lien searches. U.S. Title Records delivers faster (12-24 hours) at a lower cost with nationwide coverage — no appointment or retainer needed.
Liens that typically survive foreclosure include property tax liens (senior to nearly all others), IRS federal tax liens (120-day right of redemption), HOA super-liens in states like Florida and Nevada, mechanic's liens that predate the mortgage in some jurisdictions, and any liens recorded before the foreclosing lien. Junior liens are generally wiped out. The Full Property/Owner Lien Report shows all recorded liens so you can determine which ones will and will not survive.
Yes. First-time buyers often rely solely on their lender's title search, which occurs late in the process after they are already committed. The Full Property/Owner Lien Report gives you full lien information before you sign a purchase agreement — putting you in the strongest negotiation position and helping you avoid surprises at closing. At $195, it is the cheapest insurance you will buy in the entire home purchase process.
Reports are delivered within 12-24 hours to the email address provided during checkout. Orders placed on weekends and holidays are processed the same day in most cases. For expedited processing, email Office@ustitlerecords.com.
The individual profile section includes the owner's legal name, aliases, addresses, phone numbers, employment history, associates, real estate and vehicle assets owned nationwide, bankruptcy filings, judgments, personal liens, and criminal records when available. This is compiled from public records databases — not a formal background check — but it provides substantial insight into the owner's financial profile and asset picture.
Yes. U.S. Title Records covers all 50 states and 3,200+ counties. Professional abstractors pull records from county recorder offices, federal courts, and state lien databases. Whether the property is in Florida, California, Texas, New York, or any other state — same price, same turnaround, same level of detail.
Yes. Attorneys, judgment creditors, and investigators regularly use the Full Property/Owner Lien Report for asset discovery. The personal asset report shows all real property and registered vehicles owned by the individual nationwide. For a broader search, pair with Title Search By Name ($75-$125) to locate every property someone owns in a specific state or across the entire country.
The report covers the current owner of record. If the property is held by multiple individuals, provide the primary owner name — the property lien search covers all liens against the address regardless of owner. For properties held in trusts or LLCs, the report searches against the entity name. To search each individual owner separately, additional reports may be ordered.
No. This report is informational due diligence — it tells you what liens exist right now. Title insurance is a separate product purchased at closing that protects against undiscovered title defects going forward. We recommend both: use the Owner Lien Report for pre-purchase decision-making, and buy title insurance at closing for ongoing protection. They serve different purposes at different stages of the transaction.
A lien search before any auction purchase is non-negotiable. Foreclosure, tax sale, and sheriff sale properties transfer with existing liens intact — there is no title company or lender performing due diligence for you. The Full Property/Owner Lien Report ($195) is the minimum recommended search. For maximum protection with deed copies, chain of title, and a professional synopsis, order the Expanded Title Search Report ($295).
Authoritative Resources
These independent organizations provide additional context on property lien searches, title examination standards, and real estate due diligence requirements.
American Land Title Association (ALTA) — Title Defect Statistics & Industry Standards
IRS — Understanding Federal Tax Liens & Right of Redemption
Consumer Financial Protection Bureau — Home Closing Checklist & Buyer Rights
National Association of Realtors — Title Search & Due Diligence Best Practices
American Bar Association — Real Property, Trust & Estate Law Section
Cornell Law Institute — Uniform Commercial Code Article 9 (Secured Transactions)
Title Search Services & Resources
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Protect Your Purchase — Order Your Lien Search Now
Search liens against both the property and the owner for $195. All 50 states. 3,200+ counties. 12-24 hour delivery. Anonymous and confidential. No subscription, no retainer, no appointment needed. BBB A+ rated since 2009.
Order Full Owner Lien Report — $195
Need More? Expanded Title Search — $295
Questions? email Office@ustitlerecords.com · 7 days/week including holidays · Email Support
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Every report is researched by professional title abstractors — not automated bots. If we cannot locate records for a property, you receive a full refund. U.S. Title Records has maintained a BBB A+ rating since 2009 with a 4.9/5 customer satisfaction score.
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Last Updated: February 2026 · Author: Andreas Delfakis, U.S. Title Records · Fact-checked: ✓ Verified