Greetings, Dave from TitleSearch.com here! In this video, we’ll delve into the realm of property titles, exploring what might be hidden and offering tricks to unearth overlooked liens and records. Conducting a thorough title search is crucial, but some records may elude the untrained eye. Let’s uncover these hidden gems together.
1. Explore Surrounding Records
When you find a record, whether it’s a deed or a mortgage, don’t stop there. Open the deed book and check the records on either side. Deeds, mortgages, and liens are filed chronologically, but they may not be next to each other. Browsing nearby pages could reveal related documents that are part of the same transaction or recorded batch.
2. Investigate Co-Borrowers
If there’s a co-borrower on a mortgage, don’t overlook them. Even if they aren’t on the title, run a name index search on the co-borrower’s name. This may lead you to additional records related to the property that you might have missed initially.
3. Explore Other Liens by Lien Holders
When you identify a lien against a property from a specific entity (e.g., XYZ Corporation), run a name index search on that corporation to find any other liens they may have filed. This step helps you discover if the same lien holder has interests in other properties owned by the debtor.
4. Scrutinize Secretary of State Records
For commercial properties owned by corporations, delve into Secretary of State records. Run the names of the officers of the corporation through the name index to uncover any other property-related records linked to these individuals.
5. Check Permit Applications
Permit applications can be a goldmine of information. While permits may not be filed on the title, the names on the applications could lead you to additional property records. Look for any permit applications associated with the property in question.
6. Examine the “Return To” Block
Every recorded document has a “return to” block indicating where it was sent after recording. Investigate this information and contact the listed attorney. They might provide additional document numbers related to the property that could prove invaluable in your search.
7. Search Cross References
Read through the entirety of the documents you find. Deeds, mortgages, and liens often contain references to other documents that could impact the property. Don’t rely solely on name indexes; explore the details within the text.
Uncovering hidden records requires a keen eye and thorough exploration. These tricks can help you find information that might be crucial to understanding the complete picture of a property title. Remember, seeking professional advice is always a wise choice when dealing with complex property matters.
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