The Owner and Encumbrance (O&E) report furnishes information about the property’s tax status and assessment details across all jurisdictions for which the property owner bears responsibility. In the case of overdue taxes, the report specifies the current amount owed, inclusive of any accrued interest. It also includes a comprehensive assessment of any out-of-family, full-value transfer deed leading to the current ownership. A thorough examination is conducted on all mortgages undertaken by the current owner, and details of any active mortgages are outlined in the report. Furthermore, documents related to these open mortgages, such as modifications, assignments, foreclosure actions, and the like, are included. The report also provides information on judgments and liens affecting both the property and the present owner. The report is provided in PDF format and comprises a user-friendly summary sheet, accompanied by relevant pages containing all the documents discovered during the search process.