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A title search is a detailed examination of public records to confirm a property's legal ownership and uncover any claims or liens against it. This process involves looking through decades of historical records, including deeds, tax records, land surveys, and court judgments.
The goal is to verify that the seller has the legal right to transfer ownership and to identify any "clouds" on the title that could prevent a smooth transaction.
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Whether you are buying your first home or selling a commercial investment, the importance of a title search cannot be overstated. It protects you from:
Undisclosed Liens:
Ensuring there are no unpaid property taxes, contractor liens (mechanic's liens), or HOA fees.
Ownership Disputes:
Confirming there are no missing heirs or wild deeds from previous owners.
Easements and Encumbrances:
Identifying if third parties have the right to use portions of the land (utility companies, etc.).
Fraud and Forgery:
Detecting forged signatures in the property's chain of title history.
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In the competitive real estate market, speed and accuracy are everything. Homebuyers, sellers, and real estate professionals trust Infinity Title Agency because we combine Cleveland local title search and escrow service expertise with cutting-edge, fraud-prevention technology.
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faq
How long does a title search take to complete?
Typically, a title search may take between 3 to 7 business days. However, more complex properties - like those with a long history of foreclosures - may take slightly longer. At Infinity Title Agency, we pride ourselves on industry-leading turnaround times while providing you with accurate information to avoid any delays to your real estate closing process.
How much does a title search cost?
The cost of a title search varies based upon the location and complexity of the records. It is usually part of the overall title insurance premium or closing costs. Contact us for a customized quote for your specific property.
What is the difference between a title search and title insurance?
A title search is the process of uncovering any title defects or liens against the property, while title insurance is the protection you buy to cover any issues the search might have missed. For example, a hidden defect like a forged deed from 50 years ago; that's what title insurance protects you from.
Can I do my own title search?
While public records are available to the public, real estate law is complex. The knowledgeable and experienced professional title examiners at Infinity Title Agency are trained to find issues that the untrained eye would miss. Most lenders will require a professional title search to approve a mortgage.
What happens if a lien is found during a title search?
If a lien is discovered during a title search, it must, generally, be paid off or satisfied before the closing can proceed. Our team works with the seller and the creditors to ensure these issues are resolved so that the title can be transferred cleanly.
