What does a chain of title document include?

A chain of title document is crucial in real estate as it illustrates the historical progression of ownership for a particular piece of property. This document includes all recorded documents that affect the property, such as deeds, mortgages, tax liens, and other legal instruments. Each entry in the chain reflects a transfer of interest or encumbrance applied to the property, which provides a comprehensive view of its ownership history.

This completeness is vital for confirming legal ownership and ensuring that there are no unresolved claims or encumbrances that could affect the buyer or current owner’s rights. Understanding the full scope of recorded documents is essential for a title insurance producer, as it helps prevent disputes over ownership and protects against potential legal issues that may arise from past transactions.