Title Examination: Uncovering Certainty in Every Record
A title examination is the bedrock of a secure real estate transaction. Safe Harbor Title Agency conducts exhaustive research into historical public records to confirm ownership rights and identify any legal obstacles or encumbrances.
This service is essential for buyers, lenders, and investors who require absolute confidence that their property interests are free from hidden claims or disputes.
Identify outstanding liens and judgment resolutions.
Verify clear and marketable ownership chains.
Pre-emptive problem solving for a seamless closing.
The Safe Harbor Examination Process
1
Record Retrieval
We dig deep into county and municipal archives to gather all relevant deeds, mortgages, and taxes.
2
Expert Review
Our experts analyze collected records to identify potential vulnerabilities before settlement day.
3
Certification
We issue a definitive report certifying state of title and outlining settlement requirements.
Common Inquiries
Clear answers in plain language to guide you through the examination stage.
What does a title examination actually look for?
We look for anything that might cloud ownership, such as unpaid taxes, contractor liens, or child support judgments.
Could an examination fail?
It doesn't 'fail,' but it can reveal issues that the seller must resolve before property can be legally transferred.
How long does the process take?
In standard residential cases, a search is typically completed within 3 to 5 business days.
What exactly happens during a title examination?
Our experts meticulously search public records—including deeds, tax records, and court judgments—to verify the legal owner and identify any outstanding liens or encumbrances that could cloud the transfer of title.
What happens if an issue is found on the title?
If an issue—like an unpaid lien or an error in a past deed—is uncovered, we work with all parties involved to resolve it. Our goal is to clear these 'clouds on title' well before the closing date.
Title Examination FAQs
Find plain-language answers to common questions about our meticulous title search process and how it protects your property interests.
How long does the title examination process take?
Most standard examinations are completed within 3 to 5 business days. However, complex properties with a long history or properties in rural areas may occasionally require more time for a thorough search.
Why do I need a title exam if I already have a survey?
While a survey shows the physical boundaries of the land, a title examination identifies who legally owns those boundaries and what financial or legal obligations are tied to the property itself.