How does a title agent verify legal ownership of a property?

The best way for a title agent to verify legal ownership of a property is through reviewing public records. This process typically involves examining documents that are recorded with government entities, such as the county clerk’s office, where property transactions and ownership details are legally documented. These records include deeds, mortgages, liens, and other relevant legal documents that provide a comprehensive history of the property and establish the chain of title, confirming who legally owns the property.

While interviewing the current owner might provide some insights, it does not offer the legal verification needed for ownership. A physical inspection may reveal the condition of the property or verify its location but does not provide information on legal ownership. Consulting with real estate agents can be helpful in understanding market dynamics and property values, but this approach also lacks the legal foundation necessary to establish ownership. Therefore, reviewing public records is the definitive method for confirming legal ownership in the context of title work.