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Check for defects in property title through Title Search

A [b:6650189173]title search[/b:6650189173] involves the review of the public records and legal documents related to a property. It helps to determine whether the property is free from title defects like unpaid taxes, pending mortgage payments, judgments against the seller and other liens.

Generally, the title company conducts title search on the property. Title searches are required whenever you purchase or sell a property, take a mortgage loan against the property, [url=http://www.mortgagefit.com/refinance.html]refinance[/url] the loan or apply for a building permit.

A title search reveals the following facts:
[list:6650189173][*:6650189173]The names of legal owners of the property and their employment status at the time of purchasing the property.

[*:6650189173]Whether the ownership of the property is joint tenancy

[*:6650189173]If the seller has not paid off the mortgage loan against the property.

[*:6650189173]If there is any charge against the title to the property.

[*:6650189173]Whether the property has any easement on it, for example the right to install pipelines or telecommunication lines.

[*:6650189173]If the property has any building lien on it, that is, the owner has not paid the contractor after he worked on the property.[/list:u:6650189173][b:6650189173]Importance of title search: [/b:6650189173]

A title search determines if the person selling a property has the right to sell it or the purchaser has the right to buy the property. This helps the buyers as they are assured that they are buying the property from the legal owner. It also makes the lenders aware of certain problems that may affect the title to the property.

Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

we have a friend that borrowed money against her house a few years ago. now the person she borrowed the money from wants all money due now because of a balloon clause that was in the agreement. To help this friend out we said that we will pay cash for the amount owe and the women would quit claim the deed to us. But now we have discovered that an IRS lien is also on the house. Will that lien also transfer to us?

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larry2's picture
larry2 | Joined: June 27, 2007 02:50 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Falen,

Without clearing off the IRS lien, your friend cannot transfer the house to you. The IRS will not allow her to do the property transaction.

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jerry's picture
jerry | Joined: October 17, 2005 03:24 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi Falen,

There is a possibility that the house along with the lien will be transferred to you. And, if the person responsible for the lien does not pay off the obligation to get clear title, then you need to pay it or else IRS might sell your home after a certain time period.

Thanks,

Jerry

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i would like to know if ownership of unit 79 jen gardens thistle road kempton park has been transfered to the buyers ownership?the unit is previosly owned by mr tyokwana.

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome khaya,

You need to check out the public records at the office of the County Recorder.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

You can run a title search in less then 24-hours whether the county has a computerized access of not. Companies like protitleusa.com and titlesearch.com will give you report in less then 24 hours. All your title concerns will be answered.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

if i foreclose on one of my investment property in lee county. can they put a lien or go after my homestead primary property in borward county? if so, would it be smart of me to go ahead and quit claim my home to my son now. I only owe 20,000 thousand left on my primary home, so should i pay that off first then quit claim to my son and let him get title to the house also? would that be the smartest thing to do?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Lenders may place lien on homestead property but they will not be able to force you to sell the property in order to satisfy the lien. Whenever you sell off the property, you will have to first clear off the lien. You may be able to quitclaim the property to your son provided if no judgments have passed against you. It would be better to consult an attorney in this regard.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

i need to know if property if clear from any liens or judgments and there is a clear title on the property

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

is there any free title searches i can do?

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Niicss's picture
Niicss | Joined: October 3, 2005 11:54 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi marilyn

You can either contact the county recorder's office or hire a title search company in order to know whether the title of the property is free and clear or not. I don't think you you'll be able to do a title search free off cost.

Thanks.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

An attorney friend is going to call the County Assessor's Office to check on title to a property, the date of the sale and the sale price. Won't this be without cost to me? My sister and I are heirs to this property but the sale took place 30 years ago and we were not located at that time.

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savior70's picture
savior70 | Joined: March 25, 2009 05:14 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi

It's good to check the title of the property the sale of which took place 30 years ago. Well, it will involve certain costs, but I think this will give you complete peace of mind once you get to know whether there is any claim against the property or if the title is free and clear.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

would you be notified if someone was placing a lien on your home, or can the do it without notifing you first

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eric1's picture
eric1 | Joined: January 4, 2009 03:52 pm | Posts: 0 | Location: New Jersey | 00 Dollars($)

You may not know it. However, you can check the records at town hall to see if there are any liens against your property.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

My father past away not to long ago and I'm the heir to his assets which is two house and a car one of the houses has a mortage and the other one don't the one with the mortgage I don't want but I want the other one but Im not sure it that one has a Lein on it but I think it don't and I'd I don't has a lein on It can I still keep it I'm scared the bank will try to take both cause the other one has a mortage

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

I would suggest you to contact a lawyer and discuss the matter. If your name is not on the mortgage, then you won't be liable for the dues. However, as you are the heir to the property, you'll inherit both of them.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

We bought a house 23 years ago, at closing there was a quitclaim made on two properties. We upon trying to sell our house and two other properties, learned that there is no record of ownship on those properties, via title search. The previous owner had paid the property taxes on those two properties then we took over. We had thought that on our deed those properties were included. Unfortunately we were mistaken. If taxes had be paid for the past 30 years, shouldn't there be a record on file with the city

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

we bought a home in Beerfield Beach after three years I am finding out that there is a lien on the property by whom I do not know as yet. Could someone put a lien without notifying me?

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

my son and my daughter appear as a grantors on a deed, now my son wants to get off the deed and put my name instead of him, do both of them have to sing the new [url=http://www.mortgagefit.com/quitclaim-deed.html]quit claim deed[/url] ? my daughter is in spain! can my son sign alone infront of the notary public? thanks sonia rodas.

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi lana,

Didn't you record the quit claim deeds at the county recorder's office after the properties were transferred to you? As you had paid the taxes regularly, there must be some records available with the city. I would suggest you to contact an attorney and check out what steps you need to take in this regard.

Hi Patricia,

You can go for a title check and get to know as to who has placed a lien on your property. No one can place a lien on your property without informing you. The person filing a lien will have to file a lawsuit regarding that. If the judgment goes in his/her favor, then only he/she would be able to place a lien on the property.

To Sonia,

If your son wants to transfer his share of the property to you, then he can sign a quit claim deed. He can mention his name and his sister's name as the grantor of the property and your name and your daughter's name as the grantee to the property. Thus, you would become the owner of the property. However, make sure that you record the deed at the county recorder's office.

Thanks

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

my son wants to buy a house with a quick claim and there is a lien on this house will he have to pay it or does the owner have to pay it off first

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome jena,

Before purchasing the property, your son should ask the present owner of the property to pay off the lien. If he does not pay off the lien, your son can be held responsible for it after he becomes the owner.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

What are the possible down falls to receiving a property from a quick claim?

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

a quit claim deed can be provided to you by anyone. here's a far-out example: i actually live in connecticut and own no property in any other state. that, however, would not stop me from providing you with a quit claim deed and transferring my interest in property located in ohio, for example, to you.

"my interest" is all you'll get. if that equals 0%, then that's what you've just received. if i actually own something 100%, then that's what you'll receive.

that is the biggest risk you take - unless you know who the actual owner of a property is, you could be receiving nothing at all except a piece of paper describing a property that you'll never really own.

is that enough risk for you?

everyone who thinks a quit claim deed will be easier than a warranty deed needs to be aware of the pitfalls.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

There are companies out here saying you can take over the title on a propertry move into it with less than on comparable rent, then the property becomes yours with a title deed document, is that true and how does that work, I would hate to move in a property and then have someone come back and get it? Is this an inexpensive route to go, with all of the foreclose properties.

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adonis's picture
adonis | Joined: October 22, 2005 05:04 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Welcome Ms. A,

If you have the deed to the property, then you will be considered as an owner of the property. In that case, no one else will be able to ask you to move out of the property. As far as the mortgage is concerned, you should [url=http://www.mortgagefit.com/refinance.html]refinance[/url] it in your name. Thus, you will be the owner of the property as well as the mortgage.

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gmakerley's picture
gmakerley | Joined: November 9, 2007 07:36 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Ms. A, what are you referring to when you say "a title deed document"??? Do you know what it is? I'm sure that whoever is trying to tell you this pap is a scam artist, and I'm sure they're asking you for money that you ought not to shell out here. Your concerns about someone coming back to claim their property are well-founded. You should not try to "take advantage" of this scam.

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Anonymous's picture
Anonymous | Joined: June 8, 2004 01:06 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

has anyone done business with protitleusa? I ordered a title search more than two weeks ago. now they aren't even responding to my emails. Is this a scam?!

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jameshogg's picture
jameshogg | Joined: December 20, 2005 02:58 am | Posts: 0 | Location: New Jersey | 00 Dollars($)

Hi martha,

Well, I haven't heard much about ProtitleUSA. But you can try contacting them at 888.878.8081. This is the phone number mentioned on their website. This might help you in getting in touch with them.

Thanks

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