TitleSearch.com Records
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The Abstract Details & Documents Searched
How complicated is a complete and accurate Title Search? Below is a list of types information that is reviewed in during research and abstracting of an AFX Research | TitleSearch.com Title Search Report. Not every topic will apply to your property, but we check them all. Some property types raise their own questions on top of this list, and we cover two of the most common in detail: inherited property and vacant land and acreage.
Official Title Abstract Document:
A professional abstract title report is provided, not just a deed or owners' report.
Search Date:
Documents the date of search by the professional title abstractor.
Official Effective Date:
The date the most recent official recorded records are publically available for the property.
Document Book & Page:
Written location of the historical documents, showing book and page or document number.
Document Dates:
Abstracted date of when the instrument was signed and/or recorded into official public records.
Official Property Legal Description:
A property legal description, typically in either typed or "Schedule A" format.
Property APN:
The official assessors parcel number(s), abstracted into the title report.
County Name Index Search:
All owners names are run against the county name index for hits on recorded instruments for the property.
Ownership Structure:
Abstracts the listed ownership structure; joint tenants, individual, corporate, tenants in common, etc.
Partnership Agreement:
Abstracts any partnership ownership upon the property, of which may encumber the property.
Trust Agreement:
A search and reporting for any trust agreements that hold ownership rights in the property.
Probate and Heirs:
Examination for and reporting of any probate notices or court orders on the property.
Power of Attorney:
This will show if the property owner has legally recorded an authorized party to act on their behalf with regard to property transactions.
Deed Copy:
Search includes an official copy of the most recent deed (current deed), with county recording stamp and date.
Corrective Deed:
In the event an error existed on a prior deed, a corrective deed can be used to rectify the error.
Bond for Title:
Reporting of transaction agreements in which the seller retains the legal property title until the buyer completes all payment under the contract.
Option to Purchase:
This will show if the owner has recorded a purchase option issued to another party.
Affidavit:
Reporting of any recorded property affidavits; sworn written statement used to assert facts related to the ownership, condition, history, or status of a property.
Waiver of Rights:
Examination and abstracting of any legal recorded documents in which a party voluntarily relinquishes certain legal rights, claims, or interests they may have in a property.
Mortgage Search:
Abstracting of any open mortgages with mortgage lender information, mortgage origination amounts, and dates; listed in order of apparent priority (first mortgage, second mortgage, etc).
Abstract Trustee:
Reports any trustees assigned to a mortgage or deed of trust.
Equity Loan Search:
A search and reporting of any unconventional or equity loans, often second mortgages; hard money, private, and home equity lines (HELOC).
Mortgage Assignments:
Title abstract will reference mortgage assignments recorded within the official land records.
Subordination Agreement:
Loan priority can be changed through subordination, to help accomplish a refinance.
Mortgage Modification:
Many mortgages are being modified by lenders in the current market. The latest recorded modification is included.
Voluntary Liens:
Examination and reporting of any other unsatisfied, unreleased voluntary liens which encumber the property.
Municipal Assessed Value:
Reports the municipal assessed value (MAV), typically completed by the county assessors office.
Tax Payment:
Detail of tax status of the assessor account, with amounts, dates of payments, and delinquent payments due.
UCC Filing:
Business debts and coop financing can end up as UCC claims in the property records.
Civil Court Records Search:
Reporting on civil court records found to be recorded against the land records of the property.
Mechanics Liens:
Abstracting of liens placed by contractors for non-payment of services or materials at the property.
Judgment Liens:
Examination and abstracting for property liens as result of financial judgments.
Federal Tax Liens:
Also known as a Treasury Lien, Federal Tax Liens for unpaid US Treasury / IRS tax payments is reported.
State Tax Search:
Checks for unpaid sales tax, employment taxes, state licenses, and other state-level delinquencies.
Municipal Services Liens:
Shows liens against the title for unpaid municipal services such as utilities, water, sewer, trash or school assessments.
Child Support Lien:
Searches for liens of delinquent child support payments.
Spousal Support Lien:
Encumbrances for delinquencies of spousal support, alimony, or other court required payments.
Bail Bond Lien:
Properties are often used as collateral for bail bonds, for people other than the property owner. These liens are often overlooked by inexperienced title abstractors.
Levy on Property:
This action is most commonly associated with unpaid taxes, fines, or judgments against the property owner. It can even act as a lien on a lien.
Release of Lien:
Not typically abstracted, as Lien Satisfaction (release of lien, or ROL) is as it states: satisfied. This is how an abstractor will know whether to list a lien as an existing encumbrance in a title abstract.
Notice of Commencement:
Abstracts any Notice of Commencements, which often protect the lien rights of contractors, subcontractors, and suppliers.
Mineral Lease or Deed:
Documents any recorded instruments found to convey ownership and/or grant use of mineral rights on a piece of property.
Property Easement Search:
Shows easements, right-of-ways, and other property allowances for the owners name. (For easements dating prior to the current owner, a full Easement Search should be ordered).
Lease Search:
Recorded leases can affect the ownership and use of a property.
Notice and Order:
A reporting on any formal recorded documents issued by a government authority, informing owner(s) of a legal violation related to their property and to order corrective actions.
Property Restrictions:
Examination and abstracting of any additional recorded documents at official public records which restrict the property.
Bankruptcy Search:
Abstracts any legal documents on official public record that currently encumber the property.
Special Assessment:
Subdivisions and condo associations place these to cover expenses, often as a result of foreclosures in the development.
Default & Sale Notice:
Abstracts any notice of default (NOD) and notice of sale (NOS) recorded upon the subject foreclosing property.
Foreclosure Search:
Reporting on foreclosure status, listing any lis pendens and other related foreclosure orders of record under power.
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