Process — 7 min read
Inside a title search: the ten things we look for
A title search is a structured record examination, not a formality. Knowing what it looks for helps you anticipate delays.
The chain of title
Every recorded conveyance is traced backward to confirm each owner had the right to convey. Gaps, missing spousal signatures and improperly executed deeds surface here and take the longest to cure.
Liens and encumbrances
Searches are run against the property and against every name in the chain of title.
- Open and unreleased mortgages, including home equity lines that must be closed, not just paid
- Judgments and federal or state tax liens against current and prior owners
- Municipal charges: taxes, water, sewer and assessments
- Mechanic's liens from recent construction
- Child support and other statutory liens
Survey, easements and restrictions
Recorded easements, rights of way, party wall agreements and restrictive covenants are all reported. If a current survey is provided, we compare it against the record and flag encroachments before they become negotiation problems.
Municipal and departmental searches
Depending on the municipality, this can include certificates of occupancy, open permits, fire and housing inspections, and zoning compliance. These are frequently the slowest items in a New Jersey file and should be ordered on day one.
Questions
Good to know.
A routine search is often back within a few business days. Municipal and departmental searches, estates and older chains of title can extend that timeline.
Ready when you are.
Run a preliminary estimate in about a minute, or send us the transaction and our team will follow up with detailed figures.