Hello, in this video, we’re going to explore the intricacies of title searches in the state of Ohio. I’m Dave, and I’ll be your guide through the specific considerations you need to address when running a title search in Ohio.

Understanding Ohio’s County Structure

Ohio boasts 88 counties, and each piece of real estate is linked to one of these counties. To conduct a thorough title search, you’ll typically need to explore records in four key places within most counties: the county recorder’s office, civil court office, probate office, and the tax assessor. For commercial properties, additional records may need to be checked.

Ohio’s Judicial Foreclosure State

Ohio operates as a Judicial Foreclosure State, distinguishing it from states that use deeds of trust. In Ohio, a mortgage is employed when lending money on a property. This means that in foreclosure scenarios, the lender must navigate the court system, utilizing a Sheriff sale to foreclose and sell a property.

Common Types of Searches in Ohio

The most common types of searches in Ohio include the current owner search and, in some cases, a comprehensive 21-year search for closings. These searches are foundational for real estate transactions in the state.

Specific Ohio Differences

Ohio introduces several unique aspects to the title search process. Notably, mortgage companies must file a release within 90 days of a loan being paid off, with a potential penalty of $250 if they fail to do so. The state also has an adverse possession stipulation, granting property rights to individuals with open and notorious possession for 21 uninterrupted years.

Mechanics Lien Statute

Ohio, like many states, has a mechanics lien statute. Contractors providing materials, labor, or any contracting services may acquire rights to a property if unpaid. Filing a mechanic’s lien in Ohio generally must be done within 75 days of completing the work.

Mineral Rights and Oil & Gas Rights

Mineral rights and oil and gas rights are commonly severed from surface rights in Ohio. A separate chain of title search is necessary for these rights, as they are usually excluded from a standard title insurance policy.

Recording of Documents in Ohio

Recording documents in Ohio typically incurs a cost of around $7 per page for the initial pages, with a reduced cost for subsequent pages. It’s essential to factor in recording fees when budgeting for a title search in Ohio.

Contact Information

While this overview provides insights into Ohio’s title search nuances, it’s not exhaustive legal advice. If you have questions or need assistance with a title search in any of Ohio’s 88 counties, don’t hesitate to reach out to us at TitleSearch.com. Click the link below to visit our webpage, and we’ll be happy to assist you in navigating the unique landscape of title searches in Ohio.