What is a Title Report?

Real Estate Agent with Winderemere Homes & Estates: waterfront condos, second homes

What is a Title Report?


What is a Title Report?

A title report, or preliminary report, is a document prepared in advance of a change of ownership of real property. The title report is a written description of the property to be transferred, the owners of the that property, and exceptions to their ownership. While the seller is the owner of the property, mortgages, property taxes, easements, and CCR's are all exceptions to his ownership and impact his ability to transfer ownership.


What is a Title Report used for?

A title report is prepared for you by a title company and is an offer to issue title insurance on your real estate transaction. Your title insurance protects you from illegitimate claims on your property. The title report will follow the string of past owners or the "chain of title" to verify that the current owner has teh right to transfer the ownership he's agreed to sell.



plat map


What exactly is in a title report?

  • form of ownership of the subject property
  • legal description of the property
  • Property Taxes
  • Easements
  • Covenents, Conditions, and Restrictions  (CCR's)
  • Trust Deeds
  • Personal Liens on Buyer & Seller
  • Tax Assessor's map of the property



What does a Title Report mean to me, the buyer?

The seller has a contractual duty to disclose all matter that affect title.  Additionally, you have a contractual right to receive and review the title report as a during your contingency period.  If you approve of the title report, you agree to take title its present condition with all exceptions but the seller's monetary obligations. With the assistance of your REALTOR®, you should read through the title report and ask if there's any "red flags." If you have a question about any of the items you can contact the title officer, whose contact information will be on the first page of the report.




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  1. Sheila Goulart Siegel 05/13/2011 09:05 AM
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Fred Strickroot
Fred Strickroot - HomeNet - Tampa Bay Area - 727-478-8997 - Trinity, FL
Tampa Bay Area Homes For Sale


Excellent report. I bet your job is getting more interesting by the second with HAFA and all the different versions of it being utilized. I am studying to get HAFA certified, and I am curious how well all the second lien holders are taking to the incentives they are being offered through the HAFA program. Are they buying it into it? What would you advice be to prospective buyers on the title given for REO/Bank Owned properties...should they be concerned?

Thanks. Fred




May 12, 2011 10:19 AM #1
John Saari
Worcester, MA
"The Mortgage Buddy"

Nice post Steve. This is a detailed yet easy to understand explanation for the title report.

May 12, 2011 10:23 AM #2
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Steve Matsumoto

First Time Home Buyers - Oceanside, CA
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