Hello, this is Dave at TitleSearch.com, and today’s video is dedicated to shedding light on the nuances of title searching in the state of Michigan. As you embark on understanding the intricacies of Michigan’s title records, let’s explore the key considerations outlined in this comprehensive guide.
Michigan’s County-Level Title Records
Michigan’s title records are meticulously kept at the county level, with each of the 83 counties, including those in the Upper Peninsula, having a dedicated Recorder of Deeds or Register of Deeds. To conduct a thorough title search, one must visit various county offices, including the Register of Deeds, Tax Assessor, Civil Court, and sometimes Probate Court.
Non-Judicial Process for Foreclosures and Mortgages
Michigan employs a non-judicial process for foreclosures and mortgages, utilizing deeds of trust rather than mortgages. This distinctive process means that foreclosures are typically executed through the lender’s law office, not through the court system. The most common type of search in Michigan is the current owner search, covering the period from the current vesting deed forward.
Important Details about Michigan Title Records
In Michigan, there’s a critical requirement that if a mortgage is released, the lender must file the release document within 90 days to avoid penalties. The state operates under a “race notice” system, where the first document recorded at the courthouse holds priority over subsequent ones, with some exceptions.
Document recording in Michigan has specific format requirements, including the necessity for printed names underneath signatures. Signatures related to the granting of property rights require two witnesses and an active notary in most cases. Additionally, documents prepared by attorneys or title agencies must include a return-to block for proper routing.
Unique Legal Aspects in Michigan
Michigan has an adverse possession law, allowing ownership of a property after 15 years of open and notorious occupation. Recorded judgments against individuals become liens or clouds on the property in the respective county. Due to the state’s proximity to Lake Michigan, water rights and riparian rights are common considerations in title searches, adding a unique layer to the process.
Seeking Assistance with Michigan Title Searches
If you have questions or require assistance with title records or research in Michigan, feel free to contact us at TitleSearch.com. Click on the link below this video to visit our website, where you can find valuable resources and reach out to our team for expert guidance on navigating the intricacies of title searching in Michigan. We’re here to help you through every step of the process.