What are Title Abstract Reports?
Property records are saved in the county records office as individual
documents, such as deeds, mortgages, and liens. Each document represents an
event that occured in history on the property. For a particular property,
there may be dozens of documents spread out over time which change the
status of a property. These documents are not all in one place, as they are
stored in different books based on the day and month that the event
A title abstract report is an official report created by a professional
title abstractor, which displays the results of these records. A title
abstract document is not available from the county records office, and it is
not available electronically.
An official title abstract must be prepared by a professional title
searcher. Creating the title report requires knowledge of title documents
and the recording system. A title report is a recital of the records found
to be located in the title records, with obvious presumptions made such as
mortgage refinances and lien releases. A title abstract does not offer legal
advice, or title opinion which can only be provided by a qualified attorney.
When obtaining property records information, be sure to determine if you
will be receiving just raw property records, or a profession title abstract
Real estate liens fall into
two general categories; voluntary and involuntary. A voluntary lien is
simply another name to call a mortgage. This lien is placed “voluntarily” by
the property owner, as security to get a mortgage.
Involuntary liens are the type typically thought of when looking for
property liens. These are liens such as tax liens, mechanics liens, judgment
liens, etc., which are placed on a property against the will of the property
owner, or “involuntarily”. These are an important type of lien to search
when running a property
When ordering a title search, be sure to check to see what type of liens
are being searched.
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