How do I find out who holds my house deeds?

How do I find out who holds my house deeds?

The title deeds to a property with a mortgage are usually kept by the mortgage lender. They will only be given to you once the mortgage has been paid in full. But, you can request copies of the deeds at any time.

Is a deed to a house public record?

A property deed is a legal document that describes a parcel of real estate, including its location, boundaries, and current owner. Property ownership is a matter of public record, so you can get the ownership information for a home if you have the address.

Are my title deeds held electronically?

If you purchased your property after 2013, you’re unlikely to have seen any physical title deeds for it. All title deeds are now kept as digital scanned documents. Title deeds track the history of property ownership and may include other legal paperwork such as contracts for sale, wills, mortgages and leases.

Who keeps the original deed?

The original deed is returned to the owner of the property from the office of the recorder after proper entry. The office of the Recorder of Deeds maintains a set of indexes about each deed recorded, for an easy search. Almost all states have a grantor-grantee index including a reference to all documents recorded.

How do I get my deeds when mortgage paid off?

When you pay off your mortgage you might be required to pay the mortgagee (the lender) a final fee to cover administration and the return of your deeds). At this time your deeds will be sent to you for safekeeping. You can either keep them safe or ask your bank or solicitors to hold them for you.

How can I find out the name of the deed holder?

If you need to know the deed holder’s name, you can still locate the information, but you will need to gather additional information so that you have a starting point. Gather the address associated with the deed, or the lot number for the property, and take it to the Board of Assessment.

Where can I find the name of the current owner of a property?

Check the tax assessor’s website to find the assessor’s parcel number (APN) for the property. You can also obtain the name of the current owner liable for property taxes. Go to the county recorder’s website.

What do I need to get a new deed for my house?

You will need information from the prior deed to prepare the new deed. This information includes the exact wording of the owner’s name and the legal description for the property. Create the new deed.

Where can I find my mortgage deed in California?

Whenever a mortgage is written, lenders file the mortgage deed with the county clerk. The mortgage appears as a lien on the property until it is paid and released. In California, deeds are public record. Anyone can search the mortgage deed information.