About Titles & Deeds

                            
    What does a title search include?

You will receive a property title search abstract, which is the official document of a title search or Title Abstract. This document shows the liens and mortgages found to be recorded according to the title search. When searching for property information it is important to be sure that you receive a title search, not just a property deed. The deed by itself will not contain liens or mortgages. A title representative will review your title document with you personally, in the event that you have any questions. Call 920-RECORDS Toll Free.

                                
   
What is a Title?

When a homeowner is purchasing a home or refinancing a mortgage, they will contract with a local title company to insure they have valid title and actually own the land. To make this determination, title professionals search public records to find all the recorded documents that could affect a person’s ownership of the property. These documents could include deeds, mortgages, deeds of trust, easements, covenants, etc. A professional title examiner then compiles these records into an internal company document called an abstract of title or "chain of title", which acts as a short history of the land and all the people who have an interest in that land. Abstracts of title are used by buyers, sellers, lenders, Fannie Mae, Freddie Mac and title insurance companies to determine who owns the land.
We DO NOT offer insurance, Only Title Abstracts and Title Searches as requested. 
 




A title representative will review your title document with you personally, in the event that you have any questions.

  • What does a title search include?

    You will receive a property title search report, which is the official document of a title search. This document shows the liens and mortgages found to be recorded according to the title search. When searching for property information it is important to be sure that you receive a title search report, not just a property deed. The deed by itself will not contain liens or mortgages. A title representative will review your title document with you personally, in the event that you have any questions.









 
What is a deed?

A deed is a document that transfers the ownership of real estate. It’s a legal description of the property that’s signed by the person  transferring the property. You can’t transfer the property without having something in writing and notarized, this is called a bargain and sale deed. This is The Most Common Type of Deed.

- Here’s a brief rundown of the most common types of deeds:
1) A QuitClaim Deed transfers whatever ownership interest a person has in a property. (Available upon request - email: Orders@needmydeed.com)

a) Couples going through a divorce commonly use a quitclaim deed. Here, one spouse signs all his or her rights in the couple’s property over to the other.

b) Quitclaim deeds are also frequently used when there is a “cloud” on title — that is, when a search reveals that a previous owner or heir has a claim to the property. The individual can sign a quitclaim deed to transfer any remaining interest (ownership).

2) A grant deed transfers ownership with certain implications — that the title hasn’t already been transferred to someone else or been encumbered, except as specified in the deed.

3) A warranty deed transfers ownership and explicitly promises the buyer that the transferor has a good title, or clean title to the property, meaning it has no open mortgages or loans against the property, completely free of any liens or claims of ownership. 

4)An Administartion Deed is used when the owner of the property is deceased. Ussually the owner has a Last Will And Testament that will explain how his or her assets will be divided to their heirs called successors. One or more  of  the Successors to the owners property (or a lawyer) will be an executor of the will to distribute the property to the new owner  "successor to the estate" 

4a) This will then involve a surrogates search which is a proof of death file that includes the administration and names the Executor/Executrix. It Also includes the Last Will & Testament, Death Certificate, Probate Petition, Letters of administration, Oath & Distribution, Letters of Testamentary and any Power-of-Attorney Forms involved.

How can I change my Deed?

Unfortunately, you cannot change an existing deed. You need to file a new deed; the form can be purchased at a legal stationery store or requested by email. While you can do this on your own, keep in mind that this is an important document, so if you have any questions you should consult an attorney or licensed title examin. A deed packet, which basically outlines the requirements, is available upon request.