Another website http://www.searchq.com let you to download a free basic property report to start your title and lien search.
But I wonder for what purpose you want the search? Title companies will ""Insure the title, in case they miss anything (not that terribly uncommon)
But yes the actual process is to go the City Clerks office and go into the vault and start researching. Each deed will reference other previous deeds and maps and liens, and you just follow the web of history until you get to the beginning. It is not for everyone. Best to do if you enjoy history, details and you are a patient person. It can be fun to learn the history of a property.
Reference Link: http://titlecompanies.net/
If you want to find out yourself, you can get an online report within few minutes on website such as http://www.nextace.com or http://www.searchq.com where you can download a title report that has mortgage record, ownership history, delinquent taxes even liens and foreclosure information.
You can also contact your county assessor where they keep the property tax record. The assessor should also keeps the liens, mortgage and other information that linked to the home title.
A case in point, I was interested in a property where everything looked good at the county level and I was ready to move forward however, my attorney uncovered a US Justice Department Lien on the property far great than the property was, or ever in my lifetime be worth. That was the best money I ever spent for a title search as it saved me from loosing over $300,000!
I know of buyers who have skipped that step and have paid dearly in the end.
JD â€œDanâ€ Weisenburger, GRI
Vanguard Realty, Inc. GMAC Real Estate
Generally speaking, in Pennsylvania there are three offices to search: 1)The Recorder of Deeds (where deeds and mortgages are found) 2) Office of the Prothonotary (where judgments and municipal claims are found) and 3) Tax Claim Bureau (to check for delinquent taxes).
If you are interested in further information or have questions regarding title law, I would be happy to help. Feel free to email me at email@example.com or by visiting our companies website at wcbtitle.com
Penny Leite - Owner
Elizabeth A. Williams Inc.
1157 W Hampshire Blvd.
Citrus Springs, Fl 34434
If you have never done a title search before, its very easy to overlook an important document, I would certainly recommend asking Title Search Company to perform a title search.
Clean Title really means that there are no liens against the owner or the property. You need to have a systematic approach to title search in the county office searching documents by Current Owner's Name, Legal Description, Parcel or Folio Number and Address. Remember, the recorded documents may have recording errors, pay attention to legal description and parcel numbers throughout all documents and make sure they match.
I would also recommend performing a Bankruptcy Search against current owner. You can read about Bankruptcy relevance in the Web Reference Below.