Greetings, everyone! Dave here from TitleSearch.com. In today’s video, we’re delving into the intricacies of conducting title searches in the state of Maryland. Each state has its unique parameters, and Maryland is no exception. Let’s explore the essential aspects you need to know for successful title searches in the Old Line State.
1. Maryland’s County-Level Title Records
Like most states, Maryland organizes its title records at the county level. This means that all the documents you need for a thorough title search are housed in various courthouses within the county where the property is located. In Maryland, with 24 counties and Baltimore acting similarly to a county, it’s crucial to know where to pull documents.
2. Judicial Foreclosure Process
Maryland follows a judicial foreclosure process, utilizing mortgage documents instead of deeds of trust. The foreclosure process mandates court involvement, and a private trustee can’t initiate foreclosure independently. During this process, a three-week notice is published in a local newspaper prior to the foreclosure auction. Unlike some states, Maryland doesn’t require direct notice to the borrower.
3. Race Notice State Dynamics
Maryland operates as a race notice state concerning property records. This means that the first recorded document holds priority. If you record a deed and someone else records another deed seconds later, the first recorded deed takes precedence in most cases.
4. Adverse Possession Provision
Maryland has an adverse possession provision, granting property claims to individuals who openly and notoriously possess a property in a hostile manner for a continuous 20-year period.
5. Deceased Spouse Property Ownership Rules
In cases of a deceased spouse without a will or other provisions, Maryland typically divides property ownership. If there are surviving minor children, each group will have half ownership.
6. Judgment Liens and Mechanic’s Liens
Judgment liens against an individual recorded in the civil court judgment records will attach as a lien to any property that person owns. Maryland’s mechanic’s lien statute protects contractors, material providers, and even architects who provided engineering or drawings for a property.
7. Disclaimer: Not Legal Advice
It’s important to note that these insights are not legal advice and may not cover all Maryland laws or exceptions. They serve as a general guide to understanding how title searches work in Maryland.
8. Connect with TitleSearch.com
For more information or if you have specific questions about title searches in Maryland, feel free to reach out to us at TitleSearch.com. Our team is here to help and provide guidance tailored to your needs.
Navigating Maryland Title Searches with Confidence
Mastering the intricacies of Maryland’s title search process can be a valuable asset. Armed with this knowledge, you can approach title searches with confidence. If you have further questions, don’t hesitate to get in touch with us.
Remember: We’re Your Partners in Maryland Title Searches!
Thank you for joining us, and remember, we’re here to be your partners in navigating the complexities of Maryland title searches. Until next time, happy searching!