Question: Where Can I Find The Deed To My House?

Who holds the deed to my house?

The deed to your house is the official document stating who has an ownership interest in the property.

While new owners receive a copy of the deed at the time of transfer, additional copies are available as public records at the Office of Assessor-Recorder’s office or County Recorders Office.

How do I obtain the deed to my house?

You need the deed to prove ownership of your house such as when taking out a second mortgage or selling the house. If you or your attorney doesn’t have a copy, locate the deed at the county recorder of deeds office. Many deeds can be located by accessing your jurisdiction’s online records.

Are property deeds public record?

A recorder, sometimes called the registrar of deeds or clerk of courts, is a government official responsible for maintaining public records and documents, especially records relating to real estate ownership such as real estate deeds and mortgages.

Does a deed mean you own the house?

A house deed is a written document that shows who owns a particular property. When someone is ready to buy a house, the buyer and seller must sign a deed in order to transfer the property’s ownership rights to the new homeowner. A deed is an important legal tool.

Do you get a deed when you payoff your mortgage?

When you pay off your loan and you have a mortgage, the lender will send you — or the local recorder of deeds or office that handles the filing of real estate documents — a release of mortgage. This release of mortgage is recorded or filed and gives notice to the world that the lien is no more.

Do I get a deed at closing?

Both the warranty deed and deed of trust are recorded with the county clerk or recorder. Generally, the lender sends the documents to be recorded after the closing. The recording fees are included in your closing costs. Typically, the lender will provide you with a copy of the deed of trust after the closing.

Can anyone get a copy of a deed?

Quitclaim deeds are part of public record. This means anyone who wants a copy can obtain one. One way to get a copy of this type of deed is to visit your local county recorder’s office. The county clerk’s office contains copies of public records such as marriage licenses, birth and death records, and property deeds.

What is the difference between a title and a deed?

A deed is the physical legal document whereas title is the name that describes a person’s legal position regarding something. Deeds are official written documents, and in most states are required to be recorded in a courthouse or assessor’s office.

Can you sell a house without the deeds?

A: No, as the grant of probate doesn’t prove that your mother owned the property. If the property is registered, you needn’t worry about the lost house deeds as the Land Registry will hold official copies of all the documents that you would require to sell the property.

What if you lost the deed to your house?

When the property was purchased, the property transfer was recorded at the county court office. You can obtain a certified copy of the property deed by the county clerk of court or the registry office for a fee determined by the local government. A certified copy holds the same legal clout as the original deed.

Can your name be on the deed and not the mortgage?

It is possible to be named on the title deed of a home without being on the mortgage. However, doing so assumes risks of ownership because the title is not free and clear of liens and possible other encumbrances. Free and clear means that no one else has rights to the title above the owner.

Can you take someone off the deed to a house?

The quickest way to remove a name from a deed is with a quitclaim deed. This is a legal document that transfers to another person all of the interest one person has in a specific property. The deed is then filed in your local state or county office that records real estate transactions.

Is paying off your house a good idea?

If you’ve given any serious thought to paying off your mortgage early, you’ve likely come across two competing opinions on the matter: Yes! There’s no such thing as “good debt.” Pay off your mortgage as soon as you can, get a guaranteed return on your money equal to your mortgage interest rate.

When mortgage is paid off what happens?

When you pay your mortgage loan in full, the lender should cancel and return the mortgage promissory note you signed when you took out the loan. This proves you have fulfilled the terms of the loan, and that you no longer owe the lender any money.

What happens to deeds when mortgage paid off?

When you pay off your loan and you have a mortgage, the lender will send you, or the local recorder of deeds or office that handles the filing of real estate documents, a release of mortgage. Once you pay off the debt, the lender conveys back that temporary control to you.