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aggregated data title research legal strategy title data afx research chain of title same - day title quiet title actions legal standing public - record research building

From Filing to Judgment: 7 Powerful Ways Title Research Wins

In real estate litigation, the difference between a strong legal position and a costly setback often comes down to one thing: the accuracy of the title research behind the case. From the moment a complaint is filed to the final judgment—or settlement—property records quietly shape legal leverage, determine remedies, and influence outcomes. For attorneys, lenders’ […]

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Why Source Documents Win in Court: 7 Critical Proof Gaps

In real estate litigation, loan enforcement actions, foreclosure proceedings, bankruptcy disputes, and regulatory reviews, one truth becomes painfully clear: summaries don’t stand up in court—source documentation does. While summaries, data extracts, and automated reports may be sufficient for internal screening or portfolio monitoring, they often collapse under legal scrutiny. Judges, opposing counsel, regulators, and forensic […]

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In theory, the phrase clear title sounds simple. Either a property is free of issues—or it isn’t. In practice, however, investors, lenders, and attorneys almost never agree on what “clear” actually means. Each party approaches title risk from a different vantage point, with different tolerances, liabilities, and timelines. What feels acceptable to one stakeholder may […]

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Automation has reshaped nearly every function in modern real estate lending. From underwriting to compliance checks, software-driven workflows promise speed, scale, and efficiency. In title search and lien resolution, automation is often marketed as a complete replacement for traditional public-record research. But in practice, automation without industry-specific logic doesn’t eliminate risk—it amplifies it. This is […]

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In real estate transactions, few phrases sound as deceptively simple—or cause as much friction—as “clear title.” Investors want it. Lenders require it. Attorneys argue over it. Yet despite working toward the same closing table, these three groups often disagree sharply on whether a property’s title is actually “clear.” This disagreement isn’t about incompetence or bad […]

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Common Report Example

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{
  "your_order_number": "1663232-1212",
  "afx_property_id": "79-275248-47",
  "file_name": "1663232-1212-TS.pdf",
  "public_url_to_file":   "https://ourfileurl.com/files/download/431365FR2aPVJhUTIs6K4emWn7LPN5RGDvrT1WtQAHRKE3g",
  "report_data":
  {
    "productID": "116",
    "productName": "Current Owner Search w/ Taxes",
    "propertyID": "79-275248-47",
    "yourReferenceNumber": "ABCD1234",
    "yourOrderNumber": "1663232-1212",
    "yourMortgageeSiteName": "ABC MONEYSOURCE MORTGAGE COMPANY",
    "dateComplete": "08/19/2024",
    "dateEffective": "08/16/2024",
    "propAddress": "123 SE TEST ROAD",
    "propCity": "ESTACADA",
    "propState": "OR",
    "propZip": "97020",
    "propCounty": "CLACKAMAS",
    "propAPN": "111025371-012",
    "propAltAPN": "R-3-4E-21-C-A-01500",
    "propLegal": "SUBDIVISION VISTA TEST 4366 TRACT C",
    "propOwner": "CORY TIPTON",
    "landValue": "100000.00",
    "buildingValue": "250000.00",
    "propValue": "350000.00",
    "overallTaxNotes": "",
    "taxesExists": 1,
    "taxes": [
      {
        "year": "2023",
        "period": "",
        "status": "PAID",
        "date": "",
        "amount": "3141.26"
      },
      {
        "year": "2024",
        "period": "",
        "status": "DUE",
        "date": "",
        "amount": "3721.10"
      }
    ],
    "deedsExists": 1,
    "deeds": [
      {
        "type": "WARRANTY DEED",
        "dated": "03/13/2024",
        "recorded": "03/13/2024",
        "instrument": "2024-008696",
        "book": "",
        "page": "",
        "torrens": "",
        "grantorName": [
          "NORTHWEST CORE HOLDINGS, LLC"
        ],
        "granteeName": [
          "CORY TIPTON"
        ],
        "notes": ""
      },
      {
        "type": "DEED",
        "dated": "01/31/2024",
        "recorded": "02/02/2024",
        "instrument": "2024-003832",
        "book": "",
        "page": "",
        "torrens": "",
        "grantorName": [
          "VISTA TEST HOMEOWNER'S ASSOCIATION"
        ],
        "granteeName": [
          "JOHN DOE"
        ],
        "notes": ""
      }
    ],
    "mortgagesExists": 1,
    "mortgages": [
      {
        "type": "DEED OF TRUST",
        "dated": "04/20/2024",
        "recorded": "04/30/2024",
        "instrument": "2024-015037",
        "book": "",
        "page": "",
        "amount": "312000.00",
        "mortgagorName": "JOHN DOE",
        "mortgageeName": "ABC MONEYSOURCE MORTGAGE COMPANY",
        "trusteeName": "FIDELITY NATIONAL TITLE COMPANY OF OREGON",
        "mersName": "EVERGREEN MONEYSOURCE MORTGAGE COMPANY",
        "mersMIN": "1000235-0023016999-7",
        "mersStatus": "ACTIVE",
        "relatedDocsExists": 1,
        "relatedDocs": [
          {
            "type": "ASSIGNMENT",
            "desc": "UMB BANK NATIONAL",
            "recorded": "02/28/2024",
            "instrument": "",
            "book": "1130",
            "page": "415"
        }
      ],
      "notes": ""
    },
    {
      "type": "HELOC",
      "dated": "06/25/2024",
      "recorded": "06/30/2024",
      "instrument": "2024-016054",
      "book": "",
      "page": "",
      "amount": "30000.00",
      "mortgagorName": "JOHN DOE",
      "mortgageeName": "TRUST CREDIT UNION",
      "trusteeName": "",
      "mersName": "",
      "mersMIN": "",
      "mersStatus": "",
      "relatedDocsExists": 0,
      "notes": ""
    }
  ],
  "liensExists": 0,
  "overallLienNotes": "",
  "miscsExists": 0,
  "reportNotes": "",
  "dateSubmitted": "08/19/2024 10:14:31 AM",
  "currentDeedRecordDate": "03/13/2024"
  }
}