Short Answer
A title search is a review of public records to verify that the seller has legal ownership of the property and that there are no outstanding liens, claims, or defects against the title. It is important because it protects you from buying a property with hidden ownership issues, unpaid taxes, or legal judgments that could become your responsibility after closing.
A title search is conducted by a title company or real estate attorney who examines county records, court documents, and property tax records to trace the chain of ownership. The search reveals any existing mortgages, liens, unpaid property taxes, easements, restrictions, or judgments against the property. It also identifies any recording errors, forgery, or undisclosed heirs that could affect ownership. If a title issue is found, it must be resolved before closing. The seller may need to pay off a lien, correct a recording error, or take other steps to clear the title. Without a title search, you could inherit these problems after closing, including being responsible for the previous owner's debts or legal claims against the property. The cost of a title search is typically included in your title insurance premium.
Bob's Advice
Redfin Senior Agent · AI Certified Agent
A title search is one of those things that happens behind the scenes that you never think about until something goes wrong. I have seen title searches uncover unpaid tax liens from the previous owner, an undisclosed divorce judgment, and even a recorded easement that would have blocked a buyer's plans for a fence. It is peace of mind that costs relatively little and protects your investment. Do not skip it.
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