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 â€œtake overâ€ 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 attorneyâ€™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 â€œboomâ€ was in full swing. Itâ€™s possible that, with all the activity taking place, your deed and mortgage â€œslipped through the cracksâ€ 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 didnâ€™t close through a title company or attorney, you may want to contact one now. Good luck.
Maggie Hawk, REALTOR
Watson Realty Corp.