The Connecticut Title Search

 

Connecticut Title Searching is not for the “online searcher”. If you are looking to get a flawless title search in Connecticut free of errors that may result in liability to your company than I cannot stress enough to only use a certified land title searcher in Connecticut.

There are 169 towns in the State of Connecticut with the land records being housed in each individual town. We do not have county registries or county courthouses in Connecticut and title searching must be completed at the local town hall in person. Although many towns are choosing to put their land record indexes and some copies online for a fee many of these town halls do not have sewer and water tax liens recorded on the land records. Many town halls use separate sewer and water tax lien books, and they need to be searched separately. This leaves for massive liability if searched solely online as these will be missed.

Also, Connecticut probate courts are not online and often we must go to court houses to search a foreclosure properly. Using Connecticut based title searchers ensures the accuracy of your title search. When seeking out a title searcher in Connecticut make sure their E&O insurance is up to date and covers at least a 1,000,000/1,000,000 limits as property values are soaring.

What is a title Search?

A Title Search is the process of retrieving documents evidencing events in the history of a piece of real property, to determine relevant interests in and regulations concerning that property.

In the case of a prospective purchase, a title search is performed primarily to answer three questions regarding a property on the market:

  • Does the seller have a saleable interest in the property?
  • What kind of restrictions or allowances pertain to the use of the land? These would include real covenants, easements and other servitudes.
  • Do any liens exist on the property which need to be paid off at closing? These would be mortgages, back taxes, mechanic’s liens, and other assessments.

A title search is also performed when an owner wishes to mortgage his property and the bank requires the owner to insure this transaction.

A professional title searcher (also called Abstractor) is hired to perform a title search. Documents concerning conveyances of land are a matter of public record. These documents are maintained in hard copy paper format or sometimes scanned into image files. The information within the documents is typically not available as data format as the records are descriptions of legal events which contain terms, conditions, and language in excess of data.

The process of performing a title search involves accessing the official land records for the subject property. Each record is a document evidencing an event which occurred in the history of the property. A deed records an event of property transfer, a mortgage documents the collateral interest of a home loan, and a lien documents a claim against the property in favor of another, such as a creditor, vendor, or tradesman. The objective of the title search is to establish clear, marketable title by exposing any outstanding claims prior to transfer of title.

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How to do a title search in CT (Connecticut)?

We suggest calling Fusion Title Search for all of your title search needs. Our experienced, certified title searchers are only best in Connecticut and can guarantee that your search is completed correctly in person and never remotely.

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