TWO OWNER SEARCH (PRE-FORECLOSURE)

WHAT IS INCLUDED IN A TWO OWNER SEARCH REPORT?

A Two Owner Search Report thoroughly examines the property’s ownership history for the past two owners, verifying the title through the two most recent arm’s length transactions. It identifies any potential issues related to both the current and previous owners, providing detailed information on outstanding mortgages, liens, judgments, tax information and any other relevant information recorded within the scope of the two-owner search period. This report is typically ordered for the origination of refinance loans, home equity loans, short sales, foreclosure auctions, and tax sale auctions, enabling buyers and lenders to identify any potential issues or discrepancies.Top of Form

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WHAT IS INCLUDED IN A TWO OWNER SEARCH REPORT

• Land Records Effective Date of specific county.

• Property Information including property type, legal description and PUD/HOA information.

• Vesting and chain of title information for both the current as well as prior owner.

• Unreleased mortgage(s) executed by current owner(s) and documents associated with open mortgages.

• Unreleased Judgments & Liens against the property and its owners with in the state statute.

• Unsettled Court Cases filed against the owner(s) that are not ruled out by statute.

• If a foreclosure deed is present, the foreclosed case docket (aka case history aka case proceedings) is provided.

• Open UCCs, amendments and continuation statements, filed on the subject property within the statute of limitations.

• All exceptions such as CC&R’s, Easements, ROW, etc. recorded during the current owner search timeframe and affecting the property in question.

• Any additional documents such as POA, affidavits, agreements, notices, etc. pertaining to the property.

• Bankruptcy and US District Court Civil Case status for current owners and recent foreclosed owners within last 3 years.

• Current year tax information (with exception to Pennsylvania) including any delinquencies and assessment values..

• Patriot search including docket information for any findings related to current owners.

• All findings will be typed into a Two Owner Search Report.

• The pertinent copies of all land record documents included in the report.

• UPGRADE OPTIONS FOR TWO-OWNER SEARCH REPORTS:

  You can extend the search to cover 30, 40, 50 years, or opt for a Full State Statute Search to trace ownership history and uncover any unpaid encumbrances or property related documents recorded prior to the two-owner search timeframe..
  
  

  PLEASE NOTE:

  1) Taxes are included where ever tax collector readily provides information without any charges.
  2) We exclusively conduct property records searches through the Recorder of Deeds.
  3) Additional charges may apply for property records searches conducted outside the Recorder of Deeds. For example, Foreclosure copies and Estate searches may be subject to additional charges.
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