Skip to main content

Key Components of a Title Search

A title search, also known as a property title search, is a crucial step in the home buying process. It's a thorough examination of the property's ownership history to ensure that the seller has clear ownership and that there are no unexpected surprises waiting for you down the line. A title search typically involves reviewing public records, such as county deeds and property tax rolls, to verify the chain of ownership from the original owner to the current one.

Chain of Ownership​

The first component of a title search is the chain of ownership, which refers to the series of documents that show how ownership has been transferred from one person or entity to another. This can include deeds, wills, trusts, and other legal instruments. A thorough title search will review each document in the chain to ensure that they are valid and properly executed.

Liens and Encumbrances​

The second key component of a title search is the identification of any liens or encumbrances on the property. These can include mortgages, tax liens, mechanics' liens, and other claims against the property. A title search will reveal whether there are any outstanding debts or obligations that need to be paid off before the sale can proceed.

Easements​

Easements are another important component of a title search. An easement is a right granted to someone else to use your property for a specific purpose, such as access to a shared driveway or waterline. A thorough title search will identify any easements that may exist on the property and ensure that they do not interfere with your ownership rights.

Zoning and Land-Use Issues​

A good title search should also review local zoning laws and land-use regulations to ensure that the property is being used in compliance with these rules. This can include verifying that the property is being used for its intended purpose, such as residential or commercial use, and that any changes have been properly approved.

Public Record Errors​

Finally, a title search should also identify any public record errors or discrepancies that could affect ownership rights. These can include clerical mistakes in deed recordings, incorrect property descriptions, or other issues that may impact the sale of the property.

In summary, a comprehensive title search is essential to ensure that you have clear ownership rights and are not surprised by unexpected liens, encumbrances, or land-use restrictions.