Request For Full Reconveyance: Fill & Download for Free

Do you want something to prove the LOAN was paid off?Or a document to prove who the legal OWNER is?ALL Past & current recorded property documents are available to the public from the local county recorder. (County the property is located in) Under Federal law, counties must make such records available to view, free of charge, at the county offices during business hours. Copies must be available upon request, for minimal cost.Many counties have their records available online, sometimes just data, but often full copies. Search the specific county website to find out their accessibility.My job is to prepare mortgage release docs for lenders across the country, so I get this kind of question daily from homeowners, because many homeowners/borrowers don't realize that the recorded Mortgage and the Property Deed are completely different documents.‘Deed' is used in the name of MANY Real Estate & mortgage documents with very different purposes.When you hear the word “DEED”' try substituting ‘“document" instead. “Deed" simply means the document is a legally enforceable agreement between the parties named in the document.Generally though when someone asks for “THE DEED,” they mean the document that shows the LEGAL OWNER of the property. A property Deed is recorded whenever the OWNER(s) transfer full or partial ownership from one party(ies) to new party(ies). (The document may be called Warranty Deed, Owners Deed , Quit-claim Deed, Property Deed, etc) Only the current legally recorded owner can transfer ownership by adding parties, selling the property or transferring it to another party, trust or estate. The LENDER is not an ‘ owner', & is not named on the property Deed, so the lender will NOT have the recorded deed, or even a copy. No matter how often you refinance, the PROPERTY DEED is not affected by the loan / lender.A “mortgage loan" may be secured with a “Mortgage, Deed of Trust, Trustees deed, Security Deed, etc. “ basically a ‘mortgage' is the contract between LENDER and BORROWER covering the terms of the mortgage loan and granting the lender limited rights / interest in the property, in return for a loan to the borrower. ( a Deed of Trust has 3 parties: Lender, Trustee, & Borrower ) But the lender NEVER ‘owns' the property. The lender records the Mortgage / Deed of Trust in the county public records and then holds the original document as security until the loan is paid - in - full.When the loan is paid off, the lender records a Release of Mortgage, (Release Deed, Satisfaction, Cancellation, Reconveyance of Deed of Trust, etc.) This ‘release' identifies the Mortgage/ Deed of Trust previously recorded in the county records, states that the contract is now satified and the lender is authorizing the county to ‘release' or cancel the recorded contract from the county property records.Each state has a specific time limit for either recording a release of mortgage with the county or ‘delivering' an original release to the borrower for recording. Most states do NOT require mailing a recorded copy to the borrower, because the records are available to the public through the county. However, most lenders mail the borrower the recorded release, if they receive one back from the county.

If you pay the principal amount showing on your last statement, you will still owe some money.The lender charged interest in arrears. This means that each payment you make pays for the previous month’s interest. Paying off the balance on, say, the 10th of the month means that in addition to the balance, you’ll owe interest for ten days. Lenders also typically charge nominal fees for reconveying the mortgage (this means essentially canceling the security instrument in the public record) and for issuing a payoff demand.If you have the means to pay off the full balance of your mortgage, call the number listed on your monthly statement. Tell them you’d like to request a payoff demand. With that document, you’ll be able to calculate the exact amount of pay the loan off fully.One example: You have a $300,000 balance as of your last statement. The rate is 4.5%. The lender charges $50 to issue a payoff demand and reconveyance. If the lender receives your final payment by wire (don’t send a personal check; they’ll hold it for ten days) on the 10th of the month, you’d pay $300,000 plus $50 for administration fees, plus $369.90 for ten days’ interest a $36.99 per day and $36.9863 per day. Your total required to pay off the loan would be $300,419.86.It is worth taking the time to do this right. Even being off by a few dollars could cause you a great deal of inconvenience and even money. You’ll be able to smooth the way by starting with a simple phone call.I hope this is helpful.

All methods discussed here for finding property owners rely on public records searches. Public records are just that (records) of marriages, births, divorces, deaths, and property purchases. County Recorders are entrusted with upholding and protecting this essential public service. Great public records ensure transparency and accessibility. These nonconfidential pieces of information can also be a goldmine for businesses that know how to access and use them wisely.1. County Tax Assessor OfficeIf someone owns a property, you can be sure they're paying taxes on it and that the county tax assessor will have their information on record. To easily find the website, type into Google 'county assessor' plus the county you're interested in. You can even add 'property owner' to your search and you might get lucky enough to find the exact page you need without navigating a complicated government website. Otherwise, you might have to do a little searching (or a lot) to get to the right page to find property owners.Finding a property is a lot easier if you have the property's identification number. Depending on your state and county, they will reference this number in different ways. It may be called the Accessor's Identification Number (AIN), Accessor's Property Number (APN), Section-Township-Range-Area-Block-Lot (STRABL), or Section, Township, Range, Area and Parcel Number (STRAP). With 3,144 counties in the US, expect lots of variation. Just know this is the number that will appear on a property tax bill.Pros: This information is free.Cons: If you're operating in numerous counties, this can be a tedious process and there is zero consistency between county websites and the technology they employ. You are limited to basic property details, owner name, and mailing address listed where the tax bill is sent. You must create your own systems to organize and track leads. And there's no ability to refine lists, visualize insights, or automatically update this stagnant list when conditions on the property change.Pro Insights – Visit the Public Records Online Directory, NETROnline. This free site provides links to your local county's Assessor, Treasurer / Tax Collector, and Recorder offices so you can search for the property and find this number. These government-run websites will allow you to search for properties by the accessor's number, property address, and names of the owner.If you're simply looking to track down the owner's name and mailing address, the County Tax Collector site will typically provide that information. You'll also see if the property tax bill is current which can come in handy. You'll also get to see if there are any special assessments associated with the property. As an example, Property Assessed Clean Energy (PACE) financing is a loan that owners can take out to make energy-efficient upgrades to their property. Unlike a typical loan, these loan amounts are attached to the property taxes and the rates are typically far higher than standard mortgage rates and are senior to existing loans. Even if the owner that took out the loan sells the property, this loan stays on the property tax roll.2. County Record/ClerkYou can find a property owner by visiting the County Recorder as well. Using NETROnline, simply identify the state and county and the site will connect you to the appropriate site. But, if you're simply needing owner name and mailing address, stick with your County Tax Accessor. It's far easier to navigate and free.Think of your County Recorder office as the place to go for documents associated with property and the people associated with a specific property. Documents recorded at the Recorder's office associated with people include things like death, births, bankruptcies, and divorce. Recorded documents associated with real estate include notice of sale, mechanics liens, bill of sale, deeds of trust, mortgages, easements, tax liens, homestead, reconveyance, and trust deeds. Another treasure trove of information for those with the patience, time, and strategy that requires this huge library of information.Pros: The search itself is free, most documents will cost and it will vary greatly depending on the county.Cons: If you're operating in numerous counties, this can be a tedious and expensive process. There is zero consistency between county websites. Many counties offer free search and shopping cart functionality to purchase documents you're looking to obtain but you'll be unable to try before you buy. Depending on the documents you are looking for, there will also be limited information outside of name, property address, and mailing address of owner. You must create your own systems to organize and track leads. And there's no ability to refine lists, visualize insights, or automatically update this stagnant list when conditions on the property change.Pro Insights – Researching for this article took HOURS because we wanted to test a few county websites for search functionality and cost. Technology and search functionality is incredibly painful and limited. Some counties will force you to buy a full set of documents while others will allow you to process your request for specific pages of a document. Depending on the document type you're chasing, fees can vary greatly. Some investors use public records because they specialize in very specific niches like probate and bankruptcies. These pros are chasing deals fewer players tackle because it is so time-consuming and you're thumbing through mind-numbing legal documents.3. Local Title CompanyYou call up your favorite local title rep and ask for a general FARM (Focused Real Estate Marketing) list. Some of the basic fields for the search included name, address, mailing address, property characteristics, nearby neighbors, comparable sales, transaction history, and some states have community information like demographics and school information.Most FARM marketing lists don't run amock of Regulation X or the Real Estate Settlement Procedures Act (RESPA). This federal law prohibits entities subject to RESPA rules (including licensed Realtors, mortgage brokers, appraisers, and title companies) from receiving a "thing of value" for referring business to another settlement service provider regulated under RESPA. General lists for information available in the public records domain won't cause issues. However, custom lists are another story. Rules will vary by state and provider but expect a title company to charge for custom reports and marketing lists where you're seeking information beyond what you'd find at the County Recorder's office.Pros: Some of these lists will be free of charge. For custom reporting where you are charged, title reps are far more familiar with searching the information you need saving you a tremendous amount of time and money. Since they are hoping to gain your business, they won't typically charge much outside of what it costs to actually pay for the information. Having a savvy title company may also help inform you of ways to refine your search that you didn't even know about.Cons: Title reps are busy pros themselves and can't always drop everything to work on your list. You'll also receive a static list that starts to age as soon as it's pulled. This means you'll need to come back often for updated lists. It's more money, but at least the title rep is helping you save time by not doing it yourself. Tracking these lists, however, becomes its own issue. Like other free and low-cost options, you'll have to create your own systems to organize and track leads. And there's no ability to refine lists, visualize insights, or automatically update this stagnant list when conditions on the property change.Pro Insights: One of the things real estate professionals need to understand is that title reps get hit up a lot by amateurs that constantly ask them for marketing lists that never turn into title business. Don't be that person. Respect their time as title reps are an extremely important piece of your team.More title companies are developing custom applications for serious clients to do research on their own. This is critically important for foreclosure investors that need more updated information and access to research. As an example, First American has a mobile and web-based application that allows their customers nationwide to research property characteristics, tax information, order documents, and also see transaction history on the property. An investor would most likely need to be a customer to gain access. However, most will still call their title rep before they bid verifying they are investing in a first lien position, no liens have appeared, and no IRS liens exist. There are no second chances are courthouse steps. These apps are more aimed at a property-by-property research approach but still incredibly valuable.4. Mailing List Companies and Mailing List BrokersMarketing list companies and marketing list brokers have grown in sophistication over the years. These services allow you to call up and speak with a list broker that seeks to understand who you are trying to target, what information is needed, and then they go about creating your custom mailing list. Unlike the free options mentioned above, most list brokers now have the ability to obtain email and append phone data. Lists can be created based on property characteristics, neighborhood details, and demographics data on owners.Pros: General mailing list brokers will have some ability to append email and phone numbers to your lists. This is typically a fast and easy process.Cons: Data quality is the biggest issue with list brokers. Data sources is coming from different providers and some will be updated more than others. These lists can get very expensive and there is nothing more frustrating than purchasing a list that is years out of date. Tracking these lists will be an issue. Often times, you'll only have one year to use a list before the list provider requires you to pay for the list again. Like other free and low-cost options, you'll have to create your own systems to organize and track leads. There's still no ability to further refine lists without cost, visualize insights, or automatically update this stagnant list when conditions on the property change.Pro Insights – This is a text message our VP of Market Insights, Aaron Norris, received in July. The text is referring to a rental he had sold more than two years previously.Even more embarrassing? The property had sold again three months earlier meaning the list provider had data over two years old.By the time you're spending money on lists, it's clear you're probably needing to expand technical abilities to stay organized. Be it a customer relationship management software, sales software, or Google sheets, tracking starts to become critical as you are being forced to manage static mailing lists and lead progress.The goal in refined marketing lists is being able to follow up consistently quality leads. You save money on large general marketing lists so you can hit your target prospect multiple times. The pros know it's all about consistency and follow up.5. Advanced Property Data and Owner Information PlatformIf you're a property-centric business that relies on consistent, high-quality leads to keep your sales pipeline full, advanced property data and owner information software is a must-have tool. It isn't only Realtors, mortgage, and real estate investors that use this type of software service. Home and property services greatly benefit from access to constantly updated records as well as advanced functionality that these platforms offer.Pros: The ability to mix and match property, mortgage, and demographic data to create hyperlocal mailing lists whenever you'd like is something the low-cost and free methods don't offer. You can explore leads and refine marketing lists based on visualized insights. Other advanced capabilities include social media links, skip tracing links, rich historic transaction data, emails, and phone appending, GPS functionality, property and people notes, dynamic lists, demographics details, and advanced automation functionality.Cons: These tools are not free. Most software is subscription-based with additional charges for specific record types like documents, emails, and phone numbers. These tools are also not built for beginners. It's not necessarily that they are difficult to navigate, but it will take some time to explore and understand the vasts amount of data and automation that the software offers.Pro Insights – Main Street real estate and home services professionals are quickly learning having access to Wall Street-style data and tools are a must to stay competitive. It's far more affordable than it's ever been and it allows the pros to focus more on what they do best. PropertyRadar often says our ideal client is someone that has a CRM system, and they need help filling it with leads. PropertyRadar accomplishes that by letting you build unlimited mailing lists using over 200 filtering criteria to target your best customer profile(s). And you can give each dynamic mailing list superpowers to connect with property owners before your competition does - more on that in a minute.How to find property owners and contact information like a pro with PropertyRadarPropertyRadar gives you many options to find exactly what you're looking for or discover properties you didn't even know you should be interested in. You can use the property owner lookup to find the owner or if you have the owner's name and want to find the various properties they own, you can search by their name.To find the owner of a property, simply enter the address of the property you're interested in into the search bar.You'll notice, as shown below, that as you type the address the search bar will autofill with the address you're looking for.Once you click the address in the dropdown, a split view pops up showing the location of the property on a map along with some pertinent details about the property below the map. Here you can get an immediate view of the property's location in the neighborhood along with a few important details about the property such as square footage, number of bedrooms and bathrooms, the owner-occupied status and of course the reason you're searching to begin with, the name of the property owner.Now click on the address bar below the map to get the important contact information you're seeking along with other critical insights into the property itself.As a professional, you know that having as much information about the owner and the property you can get is vital to setting up a successful marketing campaign.Under the Contacts tab, you'll find important contact information like:Owner's full nameAgeGenderPhone number(s)Email addressSocial media profile (if available)Mailing address (absentee owners address will be different from searched address)Primary residence addressOther properties they may ownUnlike some services, skip tracing is automatically built-in for you. And you have the ability to add and edit notes directly into the Contact profile.Property profile detailsAside from contact information, other properties owned, and everything else described above, you'll have access to property details that will help you make smart, informed business decisions.You will find critical property information like:Transaction & Title HistoryComparablesAbility to Add Photos, Notes, Files, and Run Investment AnalysisOther Important Property Data and Owner Information You'll Find Here:Outstanding loan balance and type of loanLoan historyEstimated property valueEquityYear builtNumber of rooms and bathroomsSquare footageLot sizeNumber of units on the propertyPresence or absence of poolPresence or absence of garageProperty taxesZoning and school district information