Title real property 2025

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A title is very important in real estate. In short, title is a legal term that refers to ownership of something. For example, a job title means your have ownership over your role and specific set of responsibilities. You can also think of the word entitle, where you have ownership or control over something.
Title to real property is a basic concept of property law. Title deeds and documents are legal papers proving your right to own real property and are vital during a real estate transaction. These documents show legal ownership of tangible property.
If Your Name Is On The Deed, You Hold Title to the Property Unlike a car title, a house title isnt an actual document. Its a theoretical contract that gives you very real rights to the property.
You can search for property records and property ownership information online, in person, or over the phone with a 311 representative. Property owners of all boroughs except Staten Island can visit ACRIS. To search documents for Staten Island property, visit the Richmond County Clerks website.
Legal title is actual ownership of the property as when the property has been bought, the seller paid in full and a deed or title is properly recorded. Equitable title separates from legal title upon the death of the legal title holder (owner).
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The short answer is: You, the homeowner, typically hold the deed to your house, even when you have a mortgage.
Warranty Deed: This is the document that proves you own the property. When you pay off your mortgage, the lender should release their lien on the property, and you should receive a deed without the lenders name on it.
Deed: The most important document is the property deed, which is a legal document that transfers ownership of the property from one party to another. The deed should be recorded with the local government, usually at the county recorders office.

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