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Commonly Asked Questions about Real Estate Deeds and Titles

DEED. A written document by which the ownership of land is transferred from one person to another.
When you own a home, the deed is the physical document that proves ownership. The title is the concept of legal ownership that the deed grants you. You can think of the deed as the document that transfers, or passes on, the title or the right to ownership. When you buy a home, you need both.
If you want to obtain a copy of the deed to your home, contact your local county recorder. In Ohio, county recorders are responsible for maintaining land records and making them accessible to the public. The Ohio Revised Code establishes fees recorders may charge for various services.
A title is the legal right to use and modify the property how you see fit, or transfer interest or any portion that you own to others via a deed. A deed represents the right of the owner to claim the property. As opposed to the title, that describes who is the ultimate holder of the property.
Titles are important because they ensure your right to own the property and to sell it in the future. To ensure your title stays free and clear so you can someday sell your property, you need protection of your title from the past and the future.
While each closing document serves a specific purpose, one of the most important documents at closing is the deed. The deed is a legal document that transfers ownership of the property from the seller to the buyer. It is essential because it establishes the buyers legal right to the property.
In other words, if your name is on the deed, you are tenants-by-the-entireties, and if one of you dies, the other owns the property entirely. If you are not on the mortgage for whatever reason, you are not liable for paying the mortgage loan. That said, you get your spouses interest in the property if they die.