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4 title issues you might encounter while buying a home

On Behalf of | Jun 27, 2023 | Real Estate Law |

With its sunny beaches and vibrant communities, Florida is a popular destination for many homeowners. However, before you make that big purchase, there is an important aspect of the home-buying process you need to be aware of – the title.

The title to a property is the legal document that confirms ownership. When buying a home, you need to make sure that the title is clear, meaning it has no claims or liens against it. Here are some potential title issues you might encounter when buying a home in Florida.

1. Unknown liens

A lien is a claim made on a property to secure the payment of a debt. If the previous owner had significant debts and creditors have placed liens on the property, you could end up being responsible for those debts. Unknown liens are a common title issue that can cause major complications.

2. Undiscovered will

If a property owner dies and leaves behind a will that was not known before the sale of the property, it can cause title issues. If the will gives the property to a relative or heir and that person comes forward after you buy the property, you might find your ownership in question.

3. Missing heirs

Like an undiscovered will, missing heirs can cause problems with the title. If an heir is missing or unknown at the time of the sale, but later comes forward, it could put your ownership at risk.

4. Boundary and survey disputes

Boundary and survey disputes can also cause title issues. If a previous surveyor made errors or if neighbors dispute the boundaries of the property, it could lead to conflicts over who owns certain sections of the property.

When buying a Florida home, it is essential to do a thorough title search to discover any potential issues. You need to resolve any title issues before finalizing the purchase to protect your ownership rights and avoid future disputes.