Hello, this is Dave at TitleSearch.com, and in today’s video, we’re diving into the unique landscape of title searching in the state of North Carolina. Join me as we explore the distinctive requirements and processes that set North Carolina apart in the realm of title records.
North Carolina’s Attorney-Only Requirement
North Carolina stands out as an attorney-only state when it comes to title records. While private individuals can review title records and have someone pull documents for them, any use of these records for property transfer, title insurance, or property interest necessitates the involvement of an attorney. It’s crucial to be aware of this requirement when engaging in any title-related transactions in the state.
County-Level Title Records
Title records in North Carolina are maintained at the county level, with the state hosting 100 counties, each having its own set of recording requirements. This decentralized system means that understanding the specific requirements of each county is essential for conducting accurate and thorough title searches.
Non-Judicial Mortgage State
North Carolina operates as a non-judicial mortgage state, utilizing deeds of trust instead of mortgages. This allows foreclosures to be handled outside of the court system, with the trustee of the mortgage overseeing the process of prosecuting mortgage delinquencies and foreclosures.
UCC Filings and Race Notice System
Unlike many states, UCC filings in North Carolina are recorded at the Register of Deeds rather than at the Secretary of State. Additionally, the state operates on a race notice system, emphasizing the importance of being the first to record a document. Documents recorded first have priority, with subsequent documents having secondary priority.
Marketable Title and Mechanic’s Liens
In North Carolina, marketable title typically spans thirty years, qualifying as sufficient for most title insurance policies. Mechanic’s liens, like in many states, have specific filing requirements, requiring submission within 120 days of the last work or material delivery to the property. Lawsuits related to mechanic’s liens must be filed within 100 days.
Seeking Assistance with North Carolina Title Searches
If you find yourself in need of property records or document retrieval in North Carolina, don’t hesitate to reach out to us at TitleSearch.com. Our team is equipped to handle your inquiries and provide expert assistance in navigating the unique requirements of North Carolina’s title records. Give us a call or visit our website by clicking on the link below this video, and let us guide you through the intricacies of title searching in North Carolina. We’re here to help.