What is Title in Real Estate?
What Is a Property Title & Why Does It Matter?
Understanding Title Ownership & the Role of Title Insurance
When you purchase real estate, you’re not just buying the physical property—you’re also acquiring legal ownership rights to the land and any structures on it. This legal ownership is known as the property title.
At TechneTitle, we help homebuyers, real estate agents, and lenders in Cincinnati, OH & Northern Kentucky navigate the title process with comprehensive title searches and title insurance policies to protect against hidden risks.
What Is a Property Title?
A property title is a legal document that:
✔ Confirms who legally owns a property.
✔ Includes details on any mortgages, liens, or easements affecting the land.
✔ Gives the owner the right to use, transfer, or sell the property.
Before any real estate transaction closes, a title search must be performed to verify that the title is "clear" of legal claims.
Why Is a Title Search Important?
A title search is a detailed examination of public records, past ownership transfers, liens, unpaid taxes, and other legal filings that could affect property ownership.
Identifies past claims, debts, or ownership disputes.
Ensures no outstanding liens or legal restrictions.
Confirms the property can be legally transferred to the new owner.
Without a proper title search, buyers and lenders risk purchasing a property with hidden legal issues that could lead to financial loss or legal disputes.
What Is Title Insurance & Why Do You Need It?
Even with a thorough title search, hidden title defects can still arise after closing. Title insurance provides financial protection against unexpected ownership claims, fraud, and errors in public records.
✔ Owner’s Title Insurance – Protects homebuyers from financial loss if a title issue arises after the purchase.
✔ Lender’s Title Insurance – Protects mortgage lenders from title defects that could impact their lien position.
FAQs – Common Questions About Property Titles
1. What happens if a title issue is found before closing?
If a title search uncovers an issue, our team works to resolve it before closing—whether it’s an unpaid lien, clerical error, or disputed ownership claim.
2. Do I need title insurance if the title search is clear?
Yes! Even with a clear title search, hidden risks like fraud, undisclosed heirs, or errors in public records can still emerge after closing. Title insurance protects you from these unexpected claims.
3. What’s the difference between a title and a deed?
A title refers to legal ownership rights, while a deed is the physical document that transfers ownership from one party to another.
Protect Your Home & Investment with TechneTitle
Serving Cincinnati, OH, Northern Kentucky & Surrounding Counties
A clear and secure property title is essential for a smooth real estate transaction. At TechneTitle, we ensure accurate title searches and provide comprehensive title insurance to protect your investment.