What does a title search typically involve?

A title search typically involves researching the ownership history of a property to determine its legal status and ensure that the title is clear of any liens, claims, or encumbrances. This process includes examining public records such as deeds, mortgages, and court records to trace the chain of ownership back to the original owner. The goal is to discover any potential issues, such as outstanding taxes, legal disputes, or other complications that could affect the transfer of ownership.

By conducting a thorough title search, title insurance companies protect buyers and lenders by ensuring that they are aware of any potential risks associated with the property. This meticulous research helps facilitate smooth real estate transactions and provides peace of mind to all parties involved.