Avoiding Surprises: Why You Should Check the Property History Before Buying

Heads up: The fastest way to avoid bad data is to search by parcel/APN.

Start here: Property records search by address

What Are Public Property Records?

Public property records are official documents that contain important information about real estate. Managed by local government offices, these records are available to the public, enabling prospective buyers to review a property’s history and current details before making a purchase.

Contents of Public Property Records

Public property records typically include the following information:

• Ownership: Information about current and past property owners.
• Deeds: Documents showing ownership transfers and the terms of sale.
• Taxes: Details of tax assessments and payment histories, including any unpaid taxes.
• Mortgages/Liens: Information regarding loans secured against the property or claims from creditors.
• Sales: Historical sales records highlighting past prices and transaction dates.

Sources of Public Property Records

Public property records are kept by various local government departments, such as:

• Assessor: Provides data related to property taxation and assessed values.
• Recorder: Maintains property deeds and ownership documents.
• Clerk: Offers public access to recorded documents like sales histories.
• GIS (Geographic Information System): Supplies detailed maps and spatial data that illustrate property locations and attributes.

How to Search for Public Property Records: A Step-by-Step Guide

Search by Address

1. Visit the website of your local assessor or recorder’s office.
2. Find the property search feature, often labeled “Property Search” or “Parcel Search.”
3. Input the property address into the search field.
4. Examine the results to identify the relevant property.
5. Click the property link for detailed public records access.

Search by Parcel/APN (Assessor’s Parcel Number)

1. Navigate to your local assessor’s or recorder’s office website.
2. Locate the property search tool and select the search by Parcel Number option.
3. Enter the Parcel Number (APN) exactly as it appears.
4. Click ‘Search’ and review the resulting property records.

Understanding Common Fields in Property Records

Familiarizing yourself with the common fields in property records can significantly enhance your research. Pay attention to:

• Property Address: The physical location of the property.
• Owner Name: Names of the current property owner(s).
• Legal Description: A detailed outline of the property’s boundaries.
• Sale History: A record of past transactions, generally including sale dates and amounts.
• Tax Assessment: The assessed value for tax purposes and payment history.
• Mortgage Information: Details regarding any loans on the property, including lien statuses.

Avoiding Common Mistakes

When accessing property records, be mindful of these common pitfalls:

• Not Checking Multiple Sources: Relying on a single source can lead to partial information. Always cross-check records from various offices.
• Overlooking Encumbrances: Skipping the investigation of liens might result in unexpected financial burdens.
• Ignoring Historical Context: Sales history can reveal market trends; past pricing can be indicative of more than just current value.
• Misinterpreting Legal Descriptions: Legal descriptions can be intricate; seeking professional help can clear up confusion.
• Neglecting to Verify Current Owners: Confirm the accuracy of current owner details; properties can change hands multiple times quickly.

FAQ

1. How can I find out if a property has liens?

Check the property records at the county recorder or assessor’s office; most searches will indicate this information.

2. Are all property records available online?

Many counties provide online databases for property records, but the availability may vary. Some records might require in-person access.

3. Can I get copies of property records for free?

Accessing property records is generally free, but there may be costs associated with acquiring physical copies or certified documents.

4. How frequently are property records updated?

Property records are usually updated regularly, but the update frequency can differ by jurisdiction. It’s best to inquire with your local office.

5. What should I do if I discover discrepancies in the records?

If discrepancies arise, immediately contact the appropriate local office to resolve the issue. They will assist you in the correction process.

Conclusion

Investigating a property’s history is a crucial step in the home-buying process. Public property records offer essential insights to help you avoid surprises later on. By knowing what to look for and how to access these records, you can make informed choices and protect your investment. Always conduct thorough research and consult professionals if necessary to ensure you have all relevant information before making a decision.

Next step

• Try searching by parcel/APN if the address doesn’t match.
• Confirm grantee/grantor fields on the latest transfer.

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