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Owning a home is a major investment, and having a clear title to your property is crucial. Unfortunately, mistakes in public records can create issues that put your home ownership at risk. Here are some common public records mistakes to watch out for:
- Incorrect Property Boundaries: If the legal description of your property’s boundaries in the county records is inaccurate, it could lead to boundary disputes with neighbors. This may require expensive litigation to resolve.
- Liens and Judgments: If previous owners had unpaid taxes, contractor bills, or legal judgments against them, these financial obligations may remain attached to the property, even after you purchase it. Clearing these liens can be a lengthy and costly process.
- Improper Deed Recordings: Errors in how your deed is recorded, such as misspelled names or incorrect property details, can cloud the title and make it difficult to prove your ownership.
- Undisclosed Easements: Public records may not reflect all the easements, rights-of-way, or access agreements that encumber your property. Undisclosed easements can restrict how you use your land.
- Improper Foreclosure Proceedings: If a previous owner lost the home to foreclosure, mistakes in the legal process could invalidate the foreclosure, leaving you vulnerable to the original owner’s claims.
- Conflicting Wills or Probate Issues: Problems with how a deceased owner’s estate was settled can result in multiple parties claiming ownership of the same property.
To protect yourself, always perform a thorough title search before purchasing a home. Work with a reputable title company that can identify and resolve any issues found in the public records. Additionally, consider title insurance, which can provide coverage against many of these problems.
The Bottom Line: Taking the time to carefully review public records and obtain proper title insurance can help you avoid the headaches and financial burdens associated with public records mistakes. Don’t take a chance on the integrity of your home’s title; do your due diligence to ensure a smooth and secure real estate transaction.