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Does a property owner need to be notified in order to file a property lien?
In most jurisdictions, yes – property owners must be notified when someone intends to file a lien against their property. This is typically required as part of due process rights. The specific notification requirements vary by location and type of lien, but generally include:
- Preliminary notice: In many cases, you must send a preliminary notice to the property owner before or shortly after beginning work or providing services that could lead to a lien.
- Notice of intent to lien: Before actually filing the lien, you typically need to notify the property owner of your intention to do so. This gives them an opportunity to resolve the dispute.
- Notice of lien filing: Once the lien is filed, you usually must notify the property owner that you have done so.
These notices often need to be sent via certified mail or another traceable method to prove delivery. The exact timeframes and methods for notification vary by state and municipality.
The property owner does not always have to be notified in order to file the lien, although most states will require that constructive notice be given to the property homeowner in writing that a lien is being placed on their home. In most cases, even when the contractor has been paid, there may still be remaining, unpaid liens filed by the subcontractors who have not been paid by the general contractor in charge of the project (see Full property/owner lien report) https://www.ustitlerecords.com/product/full-property-owner-lien-report/.
What service that helps protect your property against title fraud?
Hello, great question.
Title lock is a service that helps protect your property against title fraud. It does this by monitoring public records for changes in ownership and flagging any suspicious activity. This helps to ensure that only legitimate transfers of ownership are taking place. Additionally, Title Lock will also alert you to any activity that may be related to identity theft, such as a change in address or the opening of new accounts in your name. This helps to protect you against fraudsters attempting to steal your property by changing ownership on the vesting deed.
Title insurance is the primary service that protects property owners against title fraud. It’s a one-time insurance premium typically purchased when buying property that protects against:
- Unknown title defects that existed before you bought the property
- Fraudulent claims to ownership
- Forged documents
- Errors in public records
Some additional protective services include:
- Title monitoring services – These companies actively monitor your property records and alert you to any changes or suspicious activity
- Property fraud alert programs – Many county recorder offices offer free notification services that alert property owners when documents are filed relating to their property
- Owner’s title insurance policy – This specifically protects your ownership interest (different from lender’s title insurance which only protects the lender)
- Legal identity theft protection services – While not specific to property, these services can help detect attempts at identity theft that could lead to title fraud
Title Insurance:
- This is your primary defense against title fraud. It covers legal fees and losses if someone challenges your ownership or if previous liens/claims emerge
- There are two types: owner’s policy (protects you) and lender’s policy (protects your mortgage company)
- Unlike other insurance, you pay once at closing rather than monthly premiums
- Covers issues like forged deeds, undisclosed heirs, or incorrect public records
Title Monitoring Services:
- Companies like Home Title Lock actively scan public records for any changes to your property’s title
- They alert you immediately if someone tries to file a deed, lien, or other documents against your property
- Some services also help with fraud recovery and provide insurance coverage
- Monthly subscription fees typically range from $7-15
Property Fraud Alert Programs:
- Many county recorders’ offices offer free notification services
- You register your property, and they notify you when any documents are filed relating to it
- This gives you early warning of potential fraud attempts
- Check your local county recorder’s website to see if this service is available in your area
Identity Theft Protection:
- Services like LifeLock or Identity Guard can catch identity theft early
- They monitor credit reports, public records, and dark web activity
- While not specific to property, they can catch identity thieves before they attempt title fraud
- Often includes recovery services and insurance if your identity is stolen
Customer support team
US TITLE RECORDSHello, you can acquire a copy of the vesting deed through the Doc Image Report (https://www.ustitlerecords.com/product/doc-image-copy-of-deed/) located on the Property records page of the site.
Mark Sullivan
Customer support teamHello, you would need to place a new order as records may have changed or been updated since the original order.
See https://www.ustitlerecords.com/product/full-property-detail-record/
Thank you,
Mark S.
US TITLE RECORDSThank you for your inquiry. Please contact us at office@ustitlerecords.com to request a quote.
Hello MJ and thank you for your inquiry. Yes, we complete searches in every U.S. county, including Marion. The $95 lien report will only reflect liens recorded against a particular address. If you are doing a regular search (versus a specific address search), please refer to the Full Property/Owner Lien Report. Here is the link: https://www.ustitlerecords.com/full-property-lien-report-plus/.
Hi Barbara. Thank you for your inquiry regarding reverse mortgages. Any mortgage or other document that is properly recorded should appear on the lien report. Here is a link to a Full Property/Owner Lien Report: https://www.ustitlerecords.com/full-property-lien-report-plus/.
Hi Raymundo. Thank you for your inquiry. We recommend that you consult with a real estate attorney to assist you with this matter. Please let us know if you need a referral to a real estate attorney in your area.
Hi John. You can order through our abstract feature but that will be expensive. Here is a link from Experian that may be helpful. We recommend first checking with the title company that closed your transaction. https://www.experian.com/blogs/ask-experian/how-to-get-property-survey/. Thank you for your inquiry. Please let us know if you have additional questions.
Hi Joan. Thank you for your inquiry.
We are an online title research company serving all U.S. counties and territories. Our company niche is to search/compile/format/deliver research results quickly (same day for most services), depending on the client’s needs. We match the disclaimers of individual counties and vendors because, while most of the time the collective data is materially accurate, it cannot be guaranteed without certification and/or a title policy. Each service varies. If you order a full property/owner lien report, for example, one of our analysts would search the relevant sources and then compile and format the information into one, user-friendly report delivered in PDF format via email. We also provide unlimited consulting at no extra charge to answer questions or do additional research as needed. If there is limited information available on a given property address and/or property owner, the information in our service report will also be limited. Please note that we do not close transactions or issue title policies. We can certify the report results; however, that service is not “same day” and is more expensive so it is quoted.
We have been helping our clients across the globe conduct their due diligence quickly for more than a decade. All services all confidential and anonymous. Our client base is comprised largely of seasoned real estate investors, equity groups, law firms, boutique lenders, brokers, other professionals – and the general public, to a lesser extent. If you are interested in a company that handles closings, we recommend First American Title.
Please let us know if you have additional questions or need more information.
What is the difference between a Quite claim deed and a warranty deed?
Hi Jeremy. A Quit Claim Deed conveys the interest in the property without warranties about the condition of title. A Warranty Deed conveys interest in the property with an assurance that the title is clear. While there are multiple credible sources you can review, here here is one good example:
https://www.alta.org/media/pdf/CH01.pdf. Please note that we are an online title research company used by our clients for title research and document retrieval. We are not attorneys, we do not provide legal advice and we do not close transactions or issue title policies. We refer many of our clients to First American Title Company to purchase escrow policies. Please let us know if you need more information.Here is some more helpful information on the topic:
A quitclaim deed and a warranty deed differ primarily in the guarantees they provide to the buyer:
A quitclaim deed simply transfers whatever interest the seller might have in a property, without any guarantees about the title’s quality or whether the seller actually owns the property. It’s like saying “I transfer to you whatever rights I may or may not have.” The seller makes no promises about:
- Whether they actually own the property
- Whether there are any liens or encumbrances
- Whether anyone else might have a claim to the property
A warranty deed, on the other hand, provides the highest level of buyer protection. The seller explicitly guarantees:
- They have a valid title to the property
- They have the right to sell the property
- The property is free from liens or encumbrances (except those disclosed)
- They will defend the title against any future claims
Because of these differences, warranty deeds are most common in standard property sales, while quitclaim deeds are typically used in more specific situations, such as:
- Transfers between family members
- Adding or removing a spouse from a title
- Clearing up title defects
- Transferring property into a trust
