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What Does Title Search Cover and How the Title Search is Performed
What Does Title Search Cover and How the Title Search is Performed?
This is the part#3 of a series of documents regarding Title Insurance.
Deeds establish chain-of-title, but sometimes those chains are broken. In addition, title searchers also look for reconveyances (proof that the encumbrances are paid off), and they look for easements, rights-of-way, CC&Rs, other elements affecting title to the property.
Title companies search the public records to determine if there are title problems that must be resolved before they purchase a property. Examples of searches are: chain-of-title, reconveyances, easements, CC&Rs, other elements affecting title to the property,
Chain of Title Search
A complete history of instruments used to transfer ownership in a piece of property from the U. S. Patent to the last record owner. Chain-of-Title breaks when a deed in the chain is missing. A sample chain-of-title would look like this: 
First Owner, grantor, >> Second Owner, grantee
Second Owner, grantor >> Third Owner, grantee
Third Owner, grantor >> Forth Owner, grantee
Forth Owner, grantor >> Present Owner, grantee
Title searches start with the most recent deed, searching the grantee's name (the person now holding title) backwards in time, until the deed when the grantee acquired the property is located. That grantor's name is then searched backwards in time in the grantee's book to find ... more

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