For decades, homeownership has been one of the most reliable ways to build wealth in America. Yet underserved communities—low-income families, minorities, and marginalized groups—continue to face systemic barriers when trying to buy a home. From lack of access to financing to difficulty verifying legal ownership of a property, the pathway is filled with hurdles. Artificial […]
Buying a home is one of the biggest financial decisions most people ever make. From home inspections and home loans to closing costs and the final closing disclosure, every step of the process matters. But one of the most overlooked — and most critical — steps is the title search. For decades, real estate agents, […]
Traditional title clearance is one of the most time consuming parts of the title search process. For decades, mortgage lenders, title insurance company underwriters, and escrow officers have relied on manual reviews of public records, paper trails, and physical title report packages to identify title defects and clear issues before closing. The result? Deals slowed […]
Buying a home is one of the biggest financial and legal moves most people will ever make. At the heart of every real estate transaction is a single piece of paper that carries extraordinary weight: the property deed. A deed isn’t just paperwork—it’s the legal key that proves property ownership, defines interests in the property, […]
Every real estate transaction—whether it’s a refinance, HELOC, or property purchase—hinges on one invisible step: the title search. Lenders, investors, and homeowners often focus on credit scores, appraisals, or inspections. Yet, title reports and lien searches are often the slowest piece of the puzzle. Traditionally, waiting days or weeks for county searches created delays, frustrated […]
Institutional investors, private equity funds, REITs, and large-scale lenders face a unique problem in U.S. real estate: fragmentation. Every county and state maintains its own system of public records, governed by local real estate laws, recording standards, and tax rules. For investors managing portfolios across multiple markets, inconsistency in title searches becomes a major risk […]
{
"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"
}
}