How to get a copy of a Property Deed Online

What is a property deed?

A property deed is a legal document that serves as evidence of real estate ownership and transfer. It is a crucial element in real estate transactions, outlining the rights and interests of the property owner. A property deed essentially acts as a written contract between the current owner (grantor) and the new owner (grantee), documenting the transfer of title or ownership rights from one party to another.

Here are key components that explain in detail what a property deed to a house encompasses:

1. Grantor and Grantee Information:
Grantor: This is the current owner of the property, the one transferring the ownership rights. The grantor must be legally capable of conveying the property, and their name is typically listed at the beginning of the deed.
Grantee: This is the new owner who is receiving the property rights. The grantee’s name and details are also specified in the deed.
2. Description of the Property:
The deed includes a detailed description of the property being transferred. This often includes information such as the property’s address, boundaries, and sometimes a legal description to ensure clarity.
3. Consideration or Purchase Price:
The deed typically specifies the consideration exchanged for the property. While the exact purchase price may not always be explicitly stated, some form of consideration, whether monetary or otherwise, is usually mentioned.
4. Words of Conveyance:
These are the words that explicitly state the intent to transfer the property. Common phrases include “convey,” “grant,” “sell,” or “transfer.” The use of these words indicates the grantor’s intention to transfer ownership.
5. Covenants or Promises:
Deeds often contain covenants or promises made by the grantor to the grantee. These covenants may include assurances that the grantor has the legal right to transfer the property, that the property is free from undisclosed encumbrances, and that the grantor will defend the grantee against any future claims to the title.
6. Signatures and Notarization:
For a property deed to be legally valid, it must be signed by the grantor and, in some cases, the grantee. Additionally, the signatures are usually notarized to verify the authenticity of the signatures.
7. Delivery and Acceptance:
To complete the transfer, the deed must be delivered by the grantor and accepted by the grantee. This can be a physical delivery of the document or, in some cases, symbolic, depending on local laws.
8. Recording Information:
Deeds are typically recorded in the local county or municipal recorder’s office. The recording provides public notice of the change in ownership and helps establish a clear chain of title for the property.

Types of Deeds:
General Warranty Deed:

This type of deed provides the highest level of protection for the grantee. The grantor guarantees that they have clear title to the property and will defend the title against any claims.
Special Warranty Deed:

Similar to a general warranty deed, the grantor only guarantees against claims that arose during their ownership.
Quitclaim Deed:

This deed transfers whatever interest the grantor has in the property without making any guarantees about the title. It is often used when the transfer is between family members or in less formal transactions.
Bargain and Sale Deed:

This type of deed implies that the grantor has the right to convey the property but makes no guarantees about previous ownership.

Why Choose U.S. Title Records to order copies of property deeds?

U.S. Title Records is a reputable online platform that specializes in providing access to property records, including deeds, mortgages, and other relevant documents. The platform offers a user-friendly interface, making it convenient for individuals to search and obtain copies of their property deeds. Here’s a step-by-step guide on how to use U.S. Title Records to get a copy of your property deed:

Step 1: Visit the U.S. Title Records Website
Start by navigating to the official U.S. Title Records website. The platform is designed to be intuitive, with clear navigation options for users. You can access the website from any device with an internet connection.

Step 2: Select the desired report, and fill out the property fields and email address fields.
Enter the email address, fill out the fields and your report will be processed within 24 hours of placing the order.

Why is it important to get a copy of your property deed before buying a house?

Obtaining a copy of your property deed before buying a house is crucial for several reasons, as it serves to protect your interests, provide legal assurance, and ensure a smooth real estate transaction. Here are key reasons why it is important to secure a copy of your property deed before making a home purchase:

1. Verification of Ownership:

A property deed is the official document that establishes ownership of a property. By obtaining a copy of the deed, you can verify that the person selling the property is the legal owner and has the right to transfer ownership.

2. Title Verification:

The property deed is a key component of the title, which is a legal concept confirming ownership rights. Reviewing the deed allows you to check for any existing liens, encumbrances, or claims on the property that could affect your ownership.

3. Legal Compliance:

Understanding the contents of the property deed ensures that the transaction complies with legal requirements. It helps confirm that the property is being sold legally and that all necessary legal procedures are followed.

4. Protection Against Fraud:

Obtaining a copy of the property deed helps safeguard against fraudulent transactions. It ensures that the person selling the property has the legal authority to do so, reducing the risk of falling victim to scams or unauthorized sales.

5. Terms and Conditions of Transfer:

The property deed outlines specific terms and conditions of the property transfer. Reviewing these details ensures that both parties are in agreement and aware of the terms of the sale, including any covenants or promises made by the seller.

6. Understanding Property History:

The property deed often contains valuable information about the property’s history, such as previous owners, transfers, and any significant legal events. Understanding this history provides insights into the property’s background and potential issues.

7. Planning for Future Transactions:

Having a copy of the property deed is essential for planning future transactions involving the property. Whether you intend to sell, mortgage, or pass the property to heirs, a clear understanding of the deed is crucial for these future endeavors.

8. Securing Financing:

Lenders often require a copy of the property deed during the mortgage approval process. Having the deed readily available can expedite the financing process and help secure a mortgage for the purchase.

9. Legal Protections and Warranties:

Different types of deeds offer varying levels of legal protection and warranties. For example, a general warranty deed provides the highest level of protection, with the seller guaranteeing clear title. Understanding the type of deed involved in the transaction is essential for assessing the level of legal assurance.

10. Peace of Mind:

Ultimately, obtaining a copy of the property deed provides peace of mind for both buyers and sellers. It ensures transparency in the transaction, reduces the risk of legal complications, and establishes a foundation of trust between the parties involved.
In summary, obtaining a copy of your property deed before buying a house is a proactive step to ensure legal clarity, protect against potential issues, and facilitate a seamless real estate transaction. It is an integral part of due diligence and contributes to a successful and secure home purchase.