Is a Title Commitment considered public record?

[TerryRohrer]

I routinely download the last deed as most are readily available through a $100/yr subscription. Most issues I have encountered (and those are not plentiful) have been with legal descriptions, particularly the painfully long ones for large ag tracts.

 

[Lindseyw]

When someone sends title docs to me to justify a change, I request the documents those are based on. With one exception, they have always been wrong. That once, an unrecorded quit claim adding another owner was filed and provided following my request.

Either way, it’s verification. Which IS part of our job.

 

[Fernando]

Just state what you have from Title Company.
Don't need to think so hard.
That's what Title Company are for in case of issues later come upon regarding ownership.
Buyer and Lender are insured by Title Companies with different premiums for better protection.

 

[Cob]

I've never heard the term 'title commitment' before. In CA it is just 'title report' or 'pre-lim' report.

Title Commitment​

The title commitment is a document that states that a title company is willing to provide title insurance coverage. This document is provided to the purchaser prior to closing and lists all the potential exclusions, exceptions, and issues noted by the title company. This commitment does not guarantee that no issues will crop up in the future, but it will list potential issues that the title company sees with the property. Pay careful attention to the exclusions listed in this commitment as these items will not be covered by the title policy.

Title Policy​

The title policy provides coverage according to the terms set in the title commitment. If the purchaser agrees to the terms set forth in the title commitment, they can decide to move forward with the title company who issued the commitment. After closing, the title policy will be issued and the purchaser will be covered by the title policy.

 

[Cob]

I have gone several rounds with different versions of this.

The owner of public record is EXACTLY that, once the appraisal district changes the name of the previous owner of public record, THEN and ONLY THEN will the new owner be the "owner of public record" I make a comment stating that the current owner of public record is the previous owner and that I was provided with documents showing that the new owner will be the new owner of public record once the appraisal district makes the change.

I also had a refinance assignment a couple of years ago, the owner of public record was an LLC, let's say it was ATX LLC, that's what I put in the appraisal report, lender came back and wanted me to put the borrowers name only as the owner of public record, I did some Colombo detective work and found out there were 4 different people on the LLC and the person who was the borrower for the appraisal assignment was actually trying to do a cash out and not tell the other 3 members of the LLC.

 

[sputnam]

I routinely download the last deed as most are readily available through a $100/yr subscription. Most issues I have encountered (and those are not plentiful) have been with legal descriptions, particularly the painfully long ones for large ag tracts.

That's what I do too. Only here, it's free.

 

[Ariba]

Easily done if you typically go to the courthouse during the normal course of business.

Except maybe in rural areas who goes to the courthouse these days. Also, everybody in the clerk and recorder's office works from home. There are no regular hours.

 

[jay trotta]

I would try to rectify the issue with the county. I’m not sure if that’s allowed in a non disclosure state though. Can you call the title company to confirm details?

If you're Not the property Owner, how would you attempt to do that? In any state