Your Realtor will see this on your preliminary title report....and the majority of banks deliver the home with a clean title.

Buyer,

Not to worry.......this is part of the process. Your title company would do a search that would identify any encumberences prior to you taking ownership. The bank would have the responsibility of dealing with these issues before passing you a clear title.

Be sure to find an agent to represent you..........

Good luck,
The "Eckler Team"

Buyer,

Everyone has given you great advice on your concern. If this is indeed a sticking point, you could always make the title issue a contingency in your contract. Either way, you will be covered as everyone mentioned, they will have to convey clear title at closing.

you can always pay title company to do a title search to ensure a clear title

Just let the closing agent know about your concern and they' should make sure that the title comes free and clear of all encumbrances. Try to get an estoppel letter from the HOA before making a firm offer.

Good luck.

On the title commitment provided by the title company shows due taxes, are these being transferred to the new buyer or would they need to be paid by the seller in order to close?

A title company CAN NOT CONVEY a property to a new owner unless the property has a clear title
http://www.lynn911.com http://www.homes-for-sale-dallas.com

Hello Buyer,

The bank has to pass on to you a free and clear title of the home at closing.
This means they will have to pay any and all back taxes, homeowners association fees, liens on the property, etc.
You will also have title insurance just in case something was missed.

Hi! Each bank has their own individual contracts and or addenda in addition to the regular Florida Associan of Realtors contracts. You may want to have your attorney review it with you. Good luck. Please let me know if I can be of further assistance.