Current Owner Search
A Current Owner Search is a title examination performed to confirm and verify the present legal owner of a property. This search ensures that the owner has the legal authority to transfer ownership. It also identifies any existing liens, encumbrances, or claims that may impact the title, helping to ensure a smooth and secure real estate transaction.
Two-Owner Search
A Two-Owner Search reviews the title history of a property covering the two most recent owners. It confirms the current owner’s legal right to sell and identifies potential title issues arising during these ownership periods. This search provides clarity on recent ownership transfers.
Full Search
A Full Search is an in-depth review of a property’s complete ownership history, often tracing back several decades to the original owner or the property’s inception. It involves a detailed examination of public records to establish the full chain of title. This process uncovers liens, encumbrances, easements, judgments, or other matters that may affect the property’s title, offering a comprehensive understanding of ownership status and potential risks for buyers and lenders.
Foreclosure Search
A Foreclosure Search is conducted to determine whether a property is subject to any active or pending foreclosure proceedings. This includes reviewing court filings, notices of default, and related public records to identify lender actions due to unpaid mortgage obligations or other defaults. This search enables buyers and lenders to evaluate risks before proceeding with a transaction.
Update Search
An Update Search involves refreshing a previously completed title search to identify any new recordings, filings, or changes since the prior effective date. This ensures that the most current information is reflected before closing or finalizing a transaction.
Liens and Judgment Search
A Liens and Judgment Search identifies any outstanding financial claims recorded against a property or an individual. Liens represent legal claims securing unpaid debts, while judgments are court-ordered obligations to pay. Conducting this search helps prevent unexpected legal or financial liabilities prior to purchase or financing.