Title insurance protects property owners and landlords from any claims that were made against a property before ownership was legally transferred. A title is the document that demonstrates one’s legal ownership of the property, and title insurance protects that document if someone brings a suit against the home or property before it is legally in your possession, for example a claim against the previous owner for failure to pay taxes or municipal violations.
Whether you’re purchasing a home or a large swath of commercial real estate, obtaining a title insurance policy will ensure that your investment is safe, your purchase is protected, and any issues that may arise will not be yours to fight.
Some of the most essential tasks in real estate negotiations and closings can also be among the most tedious, namely document preparation and filing.
That’s why Register Abstract offers document preparation and recording services, to take that responsibility off your plate and assist you with all your real estate documentation needs.
Our skilled team of specialists will guarantee that any tax forms, deeds, or other documents you require are created, recorded, and filed promptly, efficiently, and with the utmost precision.
Coop and Lien Search
Short for cooperative apartment lien search, this will show any outstanding liens against the seller or the property before closing. A co-op lien search is necessary because co-op apartment owners do not have titles over their own apartment, as they own shares in the entire building instead. This search therefore ensures that in the absence of a title, no one has any claim to the apartment through any debt, whether tax liens, bankruptcies, or other violations.
Co-Op searches conducted by Register Abstract include all recorded liens including ECBs, PVBs, and TABs, as well as additional unit search and extended search for any UCCs recorded against the property.
Fee: $550 + tax
Judgment and Lien Search
This search will uncover any judgements, liens, or bankruptcies filed against a property address or property owner. It includes the recent deed of record, all unterminated mortgages, County and State UCC financing statements, federal tax liens, mechanics’ liens, Patriot Act (OFAC) search results, and lis pendens (pending legal actions.)
Fee: $350 + tax
A property survey is an extensive research of the history and physicality of a parcel of property, including a sketch of the land, its borders, and the various elements included within the area, as well as a map detailing the legal boundaries of the property and a written description of the property and the land.
The survey inspection involves someone being sent to the premises to compare the survey to the actual state of the property as its seen.
Fee: Click order now to contact us for a price quote
Included in this search are the most recent deed of record, federal tax liens, judgments, County and State UCC financing statements, lis pendens, bankruptcies, mechanic’s liens, all open mortgages on the property, and a Patriot Act Search (OFAC). As well, this type of search includes a list of the required parties and superior interests to the mortgage or condominium common charge lien to be foreclosed, a Tax Search, as well as copies of any open mortgages.
Fee: Starts at $395
A Tax Search is comprised of information obtained from the municipality’s records, including details about real estate property taxes, such as property owner’s name, property address, block and lot designations, the tax classification of the property, the current year’s tax charges, recent payments, and unpaid prior taxes.
Fee: $100 when ordered as a stand-alone search and not in connection with an order for title insurance
This search will reveal if the individuals or companies that you are dealing with have a record of civil litigation actions at the county and federal jurisdiction levels.
Fee: Starting at $350
Last Deed of Record Search
This search reveals the most recent deed of record on a particular property.
UCC Filing (Document Recordings)
A UCC filing is a legal notice a lender files when they have an enforceable legal claim against one of your holdings. It provides notification that the lender has an interest, or lien, against the asset that you are utilizing to secure funding.
Fee: State-$40, County-Price varies by county
UCC Search (Both State and County)
A UCC Search will bring to light all ongoing UCCs of record appearing in the county and State of the requested person or entity, or in which the requested property is found.
Fee: $100 per name or property searched when ordered as a stand-alone search and not in connection with an order for title insurance. Additional fees may apply.
Covenant Restriction and Easement Searches
A restrictive covenant is any type of agreement that obliges the buyer to either perform or refrain from a certain action. These obligations are legally binding and included in the deed of a property by the seller. An easement is a right that a property owner has over a part of the property of another owner, usually for a specific purpose, e.g. a shared driveway.
Fee: $75.00 – $175.00 based on county and search results
Certified/ Recorded Copies
A certified copy of a document refers to a copy of an original document that has been stamped and classified as valid by certain persons assigned by official institutions. Recorded copies are copies of original documents that were generated or collected by a local government or any of its officers or employees in accordance with the law.
Fee: $50 plus face amount
Fee: $50 per document, not including county recording fees
(Prices below do not reflect any additional municipal town fees)