Texas Real Estate Commission Information About Brokerage Services                       Texas Real Estate Commission Consumer Protection Notice

Dallas homes for sale, Plano homes for sale, Frisco homes for sale, Prosper homes for sale, Allen homes for sale, McKinney homes for sale, Murphy homes for sale, Celina homes for sale, homes for sale


About Us Buyers Sellers Investors Commercial Relocation Contact Us Lenders Inspectors Titles
Builders Vendors PlaceHolder
Search Properties
Find Your Home's Value
Local Market Snapshots
Local Real Estate Trends
National Market News
Foreclosure vs. Short Sale
Dallas FW City Directories
Dallas FW School Ratings
Dallas FW City Tax Rates
Estimate Closing Cost
Mortgage Calculator
Mortgage Amortization
Green Tax Credit
Types of Loans
Relocation to Texas
Customers vs Clients
Repair Cost vs Value
Rent vs Buy Calculator
Your First Home?
My Blogs
Test Your R. E Knowledge
  Property Management
Open House Manager Tool

What Does Title Search Cover and How the Title Search is Done?

Title Insurance Policy

This is the part#3 of a series of documents regarding Title Insurance.

Deeds establish
chain-of-title, but sometimes those chains are broken. In addition, title searchers also look for reconveyances (proof that the encumbrances are paid off), and they look for easements, rights-of-way, CC&Rs, other elements affecting title to the property.

Title companies search the public records to determine if there are title problems that must be resolved before they purchase a property. Examples of searches are: chain-of-title, reconveyances, easements, CC&Rs, other elements affecting title to the property,

Chain of Title Search

A complete history of instruments used to transfer ownership in a piece of property from the U. S. Patent to the last record owner. Chain-of-Title breaks when a deed in the chain is missing. A sample chain-of-title would look like this:

First Owner, grantor, >> Second Owner, grantee
Second Owner, grantor >> Third Owner, grantee
Third Owner, grantor >> Forth Owner, grantee
Forth Owner, grantor >> Present Owner, grantee

1.    Title searches start with the most recent deed, searching the grantee's name (the person now holding title) backwards in time, until the deed when the grantee acquired the property is located.

2.    That grantor's name is then searched backwards in time in the grantee's book to find when the grantor acquired title as a grantee.

3.    This process continues, eventually, the searcher finds the U. S. Patent.


4.    If a title searcher could not locate the deed from one Owner to another Owner, the chain-of-title would be broken. The most common cause of this found among people that their last name has changed due to Marriage, Divorce, Court Order, etc.

RECONVENANCE DEED: (proof that the encumbrances are paid off)
A RECONVENANCE DEED is used in conjunction with a Trust Deed, its purpose is to clear the title of any liens pertaining to the note and trust deed.  Once the Borrower (TRUSTOR) makes all appropriate payments to the Lender (BENEFICIARY) and pays off the loan, then the Lender (BENEFICIARY) signs a request of RECONVENANCE to the TRUSTEE and the TRUSTEE will issue a RECONVENANCE DEED to the Borrower (TRUSTOR).

ENCUMBRANCE: When the preliminary title report reveals the existence of an easement on the property, it indicates that easement is an ENCUMBRANCE. Remember that an encumbrance is any claim against a property. Restrictions, liens, and buyer's claims (also known as a vendee's lien) are all FORMS of encumbrances.

A term used in some areas to describe the restrictive limitations which may be placed on  A term used in some areas to describe the restrictive limitations which may be placed on property. In some areas, simply is called restrictions.

EASEMENTS: Easements grant only access, not ownership, use or occupancy rights. Further, that access is generally for the benefit of the property owner, such as maintaining utilities or sidewalks. As such, they "attach" to a deed or lease and remain in effect, until specifically lifted.
The Location of the easement need NOT be specified.

Other Factors Affecting Title
Here are more records that are searched to piece title together:

·         Marriage records

·         Death certificates

·         Tax sales

Contact us about your Real Estate Questions

Equal Housing Opportunity Commission Bahman Davani REALTOR

Bahman Davani, CM
TAHS, eAgentC, and
CCIM Candidate

Office: (214) 457-7055
Cell: (214) 457-7055
Fax: (972) 596-7984

P.O. Box 261665
Plano, TX 75026-1665

Contact Form

First Name Required*

Last Name

Email Address Required*

Phone Number


Enter the code above              

Texas Five Star Realty
P.O. Box 261665
, TX 75026 US
Phone: 214-457-7055
Website: www.texasfivestarrealty.com/
Follow ME button from AddThis
Follow US:

Share, Pin and LIKE This Page:
    Share this page in Facebook 

My Blogs:
Subscribe to Bahman Davani Blogs RSS See Bahman Davani Blogs See Bahman Davani Blogs in ActiveRain See Bahman Davani Blogs in WordPress Texas-Five-Star-Realty-Manta-Badge See Bahman Davani Blogs in SlideShare See Bahman Davani Blogs in Zillow   See Bahman Davani Blogs in Klout See Bahman Davani Blogs in Plaxo See Bahman Davani Blogs in Blogger

My Real Estate Designations and Certifications:
Bahman Davani REALTOR Bahman Davani Commercial REALTOR Bahman Davani ABR Designation Bahman Davani GRI Designation Bahman Davani CDPE Designation Bahman Davani SFR Shortsale Forecolsure Resource Certification Bahman Davani TAHS Texas Affordable Housing Specialist Certification Bahman Davani Inbound Marketing Certification Bahman Davani Certified Manager from Institute Certified Professional Managers Bahman Davani eAgentC Internet Profficiency Certification Bahman Davani NMLS RMLO Residential Mortgage Loan Originator License Bahman Davani TRLP Texas Real Estate Leadership Program Graduation Send Texas Five Star Realty Text via email

Additional Resources and Newsletters:
Texas Five Star Realty website Mortgage News Daily from Texas Five Star Realty website Bahman Davani Credit Score Tips and Tricks book published by Texas Five Star Realty Bahman Davani Credit Score Tips and Tricks book published by Texas Five Star Realty          

. Copyright 2011-2014 Texas Five Star Realty Web Site Developed by We provide a fast and easy solution for your business. .