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The property title search is an often-overlooked and misunderstood part of buying real estate, a step that many people consider a mere formality. In fact, this process is actually critically important, ensuring that you’ll get a clear title with no issues that could threaten your investment. Below are a few things everyone should know about the property title search, whether you’re an accomplished real estate investor or buying your first home.

3 Things to Understand About the Property Title Search

1. Insurance Is Key

property title searchIf a competing claim is missed in the title search, title insurance will protect you from assuming any unexpected financial obligations. This policy, which is usually equal to the value of the property, will pay for any legal fees and settle the claim, and remains in effect for as long as you own the home. Most home buyers will be required to purchase title insurance, but knowing what you’re protected against can provide invaluable peace of mind.

2. What Title Searches Look For

Investigators comb through public records and land documents, searching for any issues that may compromise the quality of the title. Some of the most common issues include unpaid taxes, contractor’s liens, conflicting wills or undisclosed heirs, and honest mistakes in the deeds themselves.

3. How Issues Are Resolved

If the property title search does uncover any defects, it’s the seller’s responsibility to resolve them before closing. Any other owners with a share in the property must sign the documents before closing, delinquent taxes must be paid, and any outstanding judgments must be cleared before the property can be sold.


The team at First Financial Title Agency of Minnesota in Burnsville have more than 400 years of combined experience guiding buyers and sellers alike through the complexities of the closing process. Visit their website now to learn more about their staff and expertise, follow their Facebook for more advice, or call (952) 831-5010 to request a quote for your property title search today.

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