Risk Management Blog

What is an Owner and Encumbrance Search? What is the difference between an Owner and Encumbrance Search and a Full Title Search? How about a Real Property Asset Search or an Easement/Boundary Dispute Search, what are they?

If you’ve ever wondered about any of these questions, read on for Real Property Title Searches Defined.

• Owner and Encumbrance Search – Title reports which support and limit reported research to current ownership information and liens affecting real property within a defined date period. The period searched usually is limited to the date of acquisition by the current owner forward, but can be expanded as necessary or requested.

• Full Title Searches – Full Title reports which defines matters in the record specifically affecting real property and lien information including:

1. Real Property Taxes
2. Easements, Agreements of Record and Restrictions (sometimes referred to as C, C and R’s)
3. Equitable liens (Deeds of Trust/Mortgage; Judgment; Federal/State Tax Liens) and other money liens affecting the real property and its ownership parties.

• Easement/Boundary Dispute Searches – Specified searches (usually 30 to 50 years) which report only non-monetary matters affecting the premises, such as:

1. Utility Access
2. Drainage and other easements of necessity
3. Restrictions which contain easement rights including agreements for common easement or facility and filed maps/plats of record.

• Real Property Asset Searches – Index and Title Plant examinations to locate any real property owned within a defined party name and county.

Experience title reporting by experienced and detailed experts fully supported by customer service standards your customers expect from you. First Corporate Solutions works with our customers to first understand their needs, then creates a customized report that satisfies them.

Contact us today to learn more.