Property Lien Report – How do I find property records in my state? 

How to obtain a full property detail report (**includes all types of liens)

When borrowers are going through the mortgage process, typically, lenders will order a title search or multiple to see if there are any liens/encumbrances attached to that property. If lenders see that a property has outstanding liens, they won’t approve the mortgage for the borrower in any scenario. U.S. Title Record has your back covered! our “Full Property Lien Report” includes all liens, encumbrances, and mortgages that have been recorded against the subject property including personal liens, sewer liens not included. The report includes a 10 – 30 year title and transfer history (depending on the county). Records before this time frame are recorded on microfilm/microfiche and can be obtained through the Full Chain of Title Report or our Abstract department.

NOTE: For UCC, Liens, and judgments filed against an individual or business entity that may affect the transfer and conveyance of the title, please see the Full Property/Owner Lien Report.

The report includes the following details if recorded against the subject property.

-Property Lien Report
-Mortgage history
-Personal liens (filed against the subject property)
-Lis pendens
-Mechanic liens
-Judgment liens (filed in Superior Court),
-Bankruptcies
-HOA liens
-UCC and assignments
-State and federal tax liens
-Delinquent tax amounts
-Transaction history and transfer report
-Mortgage and deed document recording numbers
-Foreclosure activity report (if applicable)
-Lien and mortgage releases
-Deed of reconveyance detail
-MLS photos included for the property listed on MLS

These reports provide property use and zoning information, indicating the allowable uses for the property and any restrictions imposed by local zoning laws. This is crucial for property developers, investors, and individuals planning to use the property for specific purposes.
Liens and Encumbrances:

Financial Obligations:

These property records disclose any liens, mortgages, or other encumbrances on the property. This information is vital for potential buyers and lenders to assess the financial health of the property and identify any potential legal or financial risks.
Planning and Development Data:

Future Developments:

Property records may include information about planned developments, rezoning proposals, or infrastructure projects in the area. This can be valuable for residents and investors to anticipate changes in the neighborhood.
Estate Planning and Probate:

Inheritance and Wills:

Property records are crucial in estate planning and probate proceedings, helping to identify real estate assets, heirs, and any legal obligations associated with the property.
Insurance and Risk Assessment:

Risk Evaluation: Property records provide insights into the property’s history, including any previous damages or repairs. This information is valuable for insurers and risk assessors to determine appropriate coverage and premiums.
Historical Research:

Cultural and Historical Significance: Property records contribute to historical research by documenting the changes in land use, ownership, and development over time. This information is valuable for preserving cultural heritage and understanding the evolution of communities.

Why should you choose a reputable online property records site like U.S. Title Records?
Every single state in the U.S. has a county recorder’s office, this is where you would go to obtain property information, however, multiple advantages stand out using this company,

Foremost, the county recorder’s office does NOT provide title search services. In addition it can take weeks to obtain documents by mail. Obtaining property information from USTR can make your experience streamline and most importantly cost-effective.

What type of liens are there?

• Mortgage Lien. Mortgage liens are levied for the debt accepted to buy a home. However, Mortgage liens are specific to the subject property and are voluntary.
• Judgment Lien. Judgment liens can be levied by a court when someone fails to repay a debt. Judgment liens are general and can be either voluntary (if the homeowner chooses to use their property as collateral for the debt) or involuntary (if the court orders the lien against their wishes). 
• Attachment Lien. An attachment lien is an involuntary lien placed against the property to prevent the owner from selling the property during an ongoing legal matter. Attachment liens can be used to prevent an owner from selling during a divorce or bankruptcy proceeding, for example. Attachment lines are involuntary and can be general or specific. 
• Estate Tax Lien. When estate taxes are not paid on property that is passed down after death, the government can issue a general, involuntary estate tax lien. 
• Corporate Franchise Tax Lien. States with a corporate franchise tax charge business owners for the right to operate in the state. Failure to pay this tax can result in a general, involuntary corporate franchise tax lien. 
• Federal Tax Lien. The federal government can place a general, involuntary federal tax lien against citizens who fail to pay income taxes.

Continued.

• Mechanic’s Lien. If a homeowner fails to pay someone who did renovations or remodeling, the unpaid workers or suppliers can take a specific, involuntary mechanic’s lien against the property. 
• Vendor’s Lien. A vendor’s lien allows a home seller to repossess the home if the buyer fails to make all payments. This specific, involuntary lien applies to situations where the seller gives the buyer the funding to purchase the home. This type of seller carry-back financing can be used when a buyer is unable to qualify for a traditional mortgage loan.
• Vendee’s Lien. A vendee’s lien protects buyers from real estate developers who fail to complete a development that the buyer has purchased. A specific, involuntary vendee’s lien can be placed against the development to keep builders accountable to buyers.
• Bail Bond Lien. If a homeowner needs to post bail, a bail bondsman can take a lien against the owner’s property as collateral for the debt. This specific, involuntary lien means the bail bondsman could potentially foreclose on the house if the homeowner fails to appear in court.
• Municipal Utility Lien. Failure to pay municipal utilities, like water and electricity, can result in a specific, involuntary municipal utility lien against the property.

What are property records? How are they useful?

Property records refer to official documents and information that provide details about a particular piece of real estate. These records are typically maintained by government entities at the local level, such as county or municipal offices. The contents of property records can vary by jurisdiction, but they generally include crucial information about a property, its ownership, and any associated transactions. Here’s a detailed explanation of how property records can be useful:

Ownership Information:

Identifying Owners: Property records contain the names of the current and past owners of a property. This information can be essential for various purposes, such as legal matters, inheritance issues, or simply for understanding the history of ownership.
Legal Description:

Boundary Information: Property records include legal descriptions of the property, specifying its boundaries and dimensions. This information is crucial for resolving boundary disputes and ensuring accurate land identification.
Assessment and Tax Information:

Tax Assessments: Property records often include details about the assessed value of the property for tax purposes. This information is useful for property owners to understand their tax obligations and for potential buyers to estimate future tax liabilities.
Transaction History:

Sales Records: Property records provide a history of transactions related to the property, including sales and purchases. This service provides information that is valuable for real estate professionals, investors, and prospective buyers who want to assess the property’s market value and track its sales history.
Zoning Information:

Continued.

Land Use Regulations: Property records may include zoning information, indicating the allowable uses for the property and any restrictions imposed by local zoning laws. This is crucial for property developers, investors, and individuals planning to use the property for specific purposes.
Liens and Encumbrances:

Financial Obligations: Property records disclose any liens, mortgages, or other encumbrances on the property. This information is vital for potential buyers and lenders to assess the financial health of the property and identify any potential legal or financial risks.
Planning and Development Data:

Future Developments: Property records may include information about planned developments, rezoning proposals, or infrastructure projects in the area. This can be valuable for residents and investors to anticipate changes in the neighborhood.
Estate Planning and Probate:

Inheritance and Wills: Property records are crucial in estate planning and probate proceedings, helping to identify real estate assets, heirs, and any legal obligations associated with the property.
Insurance and Risk Assessment:

Risk Evaluation: Property records provide insights into the property’s history, including any previous damages or repairs. This information is valuable for insurers and risk assessors to determine appropriate coverage and premiums.
Historical Research:

Cultural and Historical Significance: Property records contribute to historical research by documenting the changes in land use, ownership, and development over time. This information is valuable for preserving cultural heritage and understanding the evolution of communities.

Why should you choose U.S. Title Records over the country records office?

Every single state in the U.S. has a country records office, this is where you would go to obtain property information, however, multiple advantages stand out using our company, U.S. Title Records instead of the county records office. The county recorder’s office can take weeks to obtain. The U.S. Title Records has not maintained prices for years making it inexpensive compared to the county records office. Obtaining property information from ustitlerecords.com can make your experience easier and most importantly cost-effective.

Full Property Lien Report