Pull out your settlement package supplied by the title company or escrow agent when you purchased the home.
It is possible that the deed was not recorded - and a simple phone call can fix the problem.
Call the title attorney you settled with and explain the problem. They can probably resolve the problem quickly.
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Licensed in Maryland, Virginia and Washington, D.C.
Assisting Homebuyer's and Seller's for 28 years
As Kevin said, there are a lot of unanswered questions. I have a few of my own.
Did you “take over” the mortgage payments and taxes from the previous owner? This is NOT the same as actually buying the house. If this is what you did, there would not have been a closing (settlement) at a title company or attorney’s office. There also would not have been any documents, such as a new deed and new mortgage recorded, since no actual sale would have taken place.
If you DID actually purchase the home, and obtained a new mortgage, you should have had a closing with a title company or attorney, and they should have not only conducted your closing, but also drawn up a new deed, showing you as the new owner, and recorded the deed in the public records at the courthouse for your county.
Five years ago was a very busy time in real estate. In many places, the real estate “boom” was in full swing. It’s possible that, with all the activity taking place, your deed and mortgage “slipped through the cracks” and were not recorded.
If you had a closing with a title company or attorney, contact that company , so they can look into your closing, and correct things, if needed. If you didn’t close through a title company or attorney, you may want to contact one now. Good luck.
Maggie Hawk, REALTOR
Watson Realty Corp.