The title report, also referred to as a title search or abstract, lists the documents discovered in the property search performed by the title company or real estate attorney including the following:
current title holders (property owners)
any existing liens on the property such as a mortgage, home equity loan, HELOC, tax lien or other lien secured by the property
property easements such as a utility or public use easement
land rights such as mineral, water and air rights or leases held by a third party
The title company searches public databases such as city and county records to find the items outlined above and to prepare the title report. The records discovered in a property search that are referenced or summarized in the title report are usually retained by the title company but they should also be publicly available.
Review What is a Title Report?
For example, your county recorders office should enable you to use an address or parcel number to find documents such as the grant deed and mortgage note for a property. You can search for title, lien and easement information on any property regardless of if you hold an ownership interest in the property.
To summarize, you can review the documents referenced in a title report by making a request with the title company or by contacting your county recorders office. While the title company may charge you to provide these documents, the county recorders office usually provides this information for free or for a small fee. The county recorders office may also be able to provide additional documentation related to your search such as historical property records.
“What is owner's title insurance?” CFPB. Consumer Financial Protection Bureau, August 7 2017. Web.« Return to Q&A Home About the author