A current owner title search is the best option for pre-tax auction properties, pre-foreclosure properties, by-owner purchase transactions and other situations in which the buyer wants to know about all outstanding judgments, liens and mortgages recorded against the property. Current owner title search is usually performed by property owners to check for clear title on the property. This kind of search is also used for a refinance.
We perform a current owner title search at the local courthouses, looking for municipal, state and federal liens, homeowner association liens, mortgages and judgments. We retrieve bankruptcy and tax status, as well as foreclosure summary information against the property, if there was one in the chain of title. All the relevant information is included in a special report for the person ordered the search. In case of a refinance, current owner title search is used to create a title commitment for the lender. We also include copy of the current owner deed in the current owner title search.
Current Owner Title Search includes:
| Retrieving a copy of the Deed into the Current Owner |
| Open Lien Search (against current owner) among the recorded Land Records |
| Open Mortgage Search and Mortgage Assignments Report |
| Bankruptcy Search |
| Tax Payment Status and Tax Delinquency Search (information is retrieved from the Treasurer's office and Commissioner of Revenue) |
| Open Judgment (20 years) and UCC search (5 years) against current owner |