How to know if a house title is without problems

How to know if a house title is without problems

To ensure a house title is free of problems, follow these steps:

1. Verify Title Ownership

• Obtain a copy of the title deed from the local land registry.
• Ensure the seller’s name matches the official records.

2. Check for Liens & Encumbrances

• Request a title search through a title company or local land records office.
• Look for mortgages, unpaid taxes, judgments, or other legal claims.

3. Confirm Legal Description & Boundaries

• Compare the title’s description with a land survey to ensure accuracy.
• Check for boundary disputes with neighbors.

4. Look for Restrictive Covenants & Easements

• See if there are restrictions on property use (e.g., HOA rules, zoning laws).
• Check for easements that allow others to use part of the property (e.g., utility companies, shared driveways).

5. Ensure Title Transferability

• Confirm the title is freehold (not leasehold, unless specified).
• Check if all previous sales were properly recorded.

6. Obtain Title Insurance

• Protects against unforeseen claims or errors in public records.

What is one of the most common problems faced in a title search?

One of the most common problems in a title search is undisclosed liens on the property.

Why is this a problem?

A lien is a legal claim against the property due to unpaid debts, such as:

• Unpaid property taxes
• Unsettled mortgages
• Contractor (mechanic’s) liens for unpaid work
• Judgment liens from lawsuits

If these liens are not discovered before purchase, the new owner may become responsible for paying them off.

How to avoid this issue?

• Conduct a thorough title search through a reputable title company.
• Obtain title insurance to protect against hidden liens.
• Check with the local tax office and court records for any outstanding debts.