How to Obtain a Copy of Your Title Deeds
Understanding and obtaining your title deeds is crucial when it comes to owning a house, especially if you have questions about your property or need to verify the history of your home. In this guide, we will explore various methods and information sources to help you get a copy of your title deeds.
Understanding Title Deeds
Title deeds are legal documents that provide evidence of your ownership of a property. If you own your house outright, those papers are likely with you. If the property is mortgaged, the title deeds are typically held by the solicitor acting for the lender. Once you have clear ownership, the title deeds would be in your possession.
Methods to Obtain a Copy of Your Title Deeds
1. Contact a Title Company
Many title companies offer the service of emailing you a copy of the documents. For instance, in the United States, you can call customer service at any title company to request this service. Some states have attorneys handling these requests, but traditionally, title companies have been the go-to source. In the Philippines, you can visit the Register of Deeds office to request a copy of your deed and chain of title.
2. County Clerks Office
In many regions, you can obtain a copy of your deed and chain of title from the county clerk's office, which is typically located in the court house in the county seat. This is a standard method used in many countries to access this important information.
3. Title Escrow Company
If the original closing documents were handled through a title escrow company, you may be able to get assistance from them. In most cases, these companies hold title information for a term not exceeding about 50 years. They can provide you with the necessary details or, at the very least, guide you in the right direction.
4. County Property Appraisers Office and Tax Collector
The County Property Appraisers Office and the Tax Collector can be excellent resources for information about your property, including details of title deeds. Many states provide this information on their official websites, making it easily accessible for homeowners.
5. Original Closing Attorney
If you can still reach the attorney who handled your original closing, they are likely to be able to provide you with the information you need. If they cannot, they can direct you to the appropriate title company or office.
6. Online Services and County Offices
In the modern age, many county offices now offer online services to request copies of deeds. Online image or data copies are often available, and some even allow you to print directly from their website. If you want a paper copy, there may be a small fee for the service.
Conclusion
Obtaining a copy of your title deeds is straightforward with the right resources and a little bit of patience. Whether you choose to call a title company, visit a county office, or use an online service, the information you need is just a few clicks or a phone call away. Ensuring you have access to this document is essential for verifying the history and ownership of your property.