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An easement is the right for a party to use someone else’s land. You’ll definitely want to look for any recorded encumbrances, particularly liens or easements. Typically, a deed search will start with your county clerk, recorder, auditor, or state registry of deeds these offices might allow you to search online, but for the most complete history, you should visit the office in person and request any physical records available. For instance, if the name you want to look up is hyphenated or has a plural designation, such as “Samantha Rivers-Smith” you might try the following variations: One thing to keep in mind as you search: sometimes, names are entered incorrectly into the database, so try alternate spellings. If there are liens, your lender might not approve a mortgage loan for the property you’ll need to work out the issue with the seller as soon as possible - you definitely don’t want to assume their debt!ĭepending on the age of the home and how far back the tax records go, you might not be able to find everything you want online, so it could be worth an old-fashioned research trip to the assessor’s office. “Direct assessments - buy a property in a certain location, and there could be Mello Roos and bonds that directly get put on the homeowners which could be anywhere between $2,500 to $5,000 a year in additional expenses.” Even homeowners associations (HOAs) can place liens on properties for unpaid dues or assessments.ĭirect assessments are also something to watch out for, as they can add thousands of dollars in ownership costs each year, according to Daniel Real, an agent in San Joaquin Valley, California, who sells homes 63% faster than the average agent in the region. A lien is placed on a home when the owner owes money to a lender, the IRS, or possibly even a contractor who did remodeling work on the home. When a house is sold, the assessed value is recorded again based on the new appraisal (which should be higher than the previously recorded value otherwise your house will have depreciated in value).Ī tax history search will be able to tell you the property’s value at the time of assessment, past taxes paid, whether any taxes are due, and if there are any liens on the property.
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Tax records are kept on properties to confirm that taxes have been paid and that the amount paid was correct for the assessed value. Lenders sometimes use this information to target owners for refinancing. The records should indicate who previously owned the home, how much they paid for it, when they bought it, and the current owner’s remaining mortgage bill (if applicable). The recorder’s office will likely have both electronic and paper files for you to search. Sales history is typically easily available - often discoverable on any of the various online home sales search platforms or in person, usually at the office of the recorder of deeds. For instance, the Los Angeles Public Library has a Housing Authority historic photo collection for Los Angeles county. Major changes can include sales or transfers of ownership, tax liens, and changes to the home’s square footage, if there have been additions to the property.Ī property record search can also reveal information about the previous owners, property deeds - even some personal information about the seller regarding divorce and bankruptcy.Ī more extensive search could tell you whether the land where the property sits has any restrictions, and who originally built the home you might even dig up old photos of the home. There are a number of things you can learn from property records - in fact, you may be surprised by just how much there is to know, especially if the home you’re interested in is older with lots of history.Īny time there is a major change to the house affecting the ownership, it’s recorded with the county or city. Property records FAQs What can you learn from property records? What can you learn from property records? Source: (Benjamin Smith / Unsplash) In this article:
#HOW DO YOU PULL UP OLD RECORDS ON EZPAYCHECK HOW TO#
Here’s how to search property records and how to navigate the documentation, both online and offline - including what, exactly, you might want to investigate. But if you’ve never searched public records before, you probably don’t know where to start when it comes to sifting through decades of property records - or what information you might discover. A house can hold a lot of history, and as a homebuyer, you probably want to know everything there is to know about the property you’re about to purchase.