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How Do I Find a Lien on My Property in Memphis?

Lien on My Property in Memphis
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Introduction

Liens can hide from your view and appear at the most inconvenient times. How to find a lien on my property in Memphis pops up. You believe you are already aware of any liens on a property you currently own, but you may be wrong. The Lien is discovered through a public records search just before you are about to sell your property. This revelation may disrupt the whole process of selling your house. But it’s easy to find out if your property has any liens. If you find out early, you may take action to avoid having liens prevent you from selling your home.

A Lien: What Is It? Kinds of Mortgage Liens

A lien is a legal notification affixed to your property title due to an unpaid debt. When your property is sold, the unpaid party will have a legitimate claim to a piece of it, and if the Lien isn’t removed, you won’t be able to refinance or sell a home that is behind on payments in Memphis. You may think about how to find a lien on my property in Memphis.

Three main categories apply to liens:

Contractor or Mechanical Liens

Contractor liens happen when homeowners engage contractors to complete renovation projects but don’t repay them for their labor and supplies. Contractors may face long delays or don’t get any money at all.

Tax Liens

Tax liens, such as those filed by the Internal Revenue Service (IRS) for overdue federal tax payments and local property tax liens, are filed due to unpaid taxes. You don’t pay property tax and get a silent lien on your property.

Judgment Liens

These are the legal repercussions of court decisions when the opposite party is found to be entitled to money. It involves payments made about overdue medical bills, credit card debt, and child support.

How Can I Find a Lien on My Property in Memphis?

Do you need help locating liens on a property? Since liens are public information, it’s easy to find out if there is one on your property or anyone else’s.

The county recorder, clerk, or assessor’s office usually offers an online property lien search by address in most states. Lien searches are free, but depending on the county, you could have to pay a small cost to obtain a copy of the report.

You can hire a title company to handle the paperwork for you, but there will be a fee, and they will essentially perform the same tasks you would perform on your own. To avoid any shocks at the last minute, carry out your search in addition to your eye search if you have your eye on a house.

Property Title Search: How Can I Find Lien on My Property in Memphis?

A title company or real estate law firm conducts a title search on behalf of the buyer and the lender. This is necessary for funded transactions to protect the lender’s interest. Among the different kinds of insurance that prospective homeowners should be aware of is title insurance. The lender and the buyer both have their title insurance policy.

To answer how I can find a Lien on my property in Memphis, a buyer or investor has several alternatives.

  • Do an online public record search. 
  • Physically search the public record or ask to obtain documents by contacting a firm like Fee Favor. 
  • Learn about title agents. 

Searching for Property Liens in the Public Record

To ensure the property is free of flaws and the chain of title is intact, contact a real estate attorney or title agent for a final property search. You might lose your home, down payment, and any additional mortgage payments if you pay attention to something in your inquiry. There needs to be a legal way to get your money back.

Here are some points to answer how I can find a Lien on my property in Memphis if you want to conduct a preliminary title search on your own:

Find the location in the county of your house

  • Look up the name(s) of the current property owner(s), the parcel number, and the legal description on the county’s property appraiser’s website. 
  • Look up any liens, judgments, or lis pendens linked with the property under the owner’s name in the public record. 
  • Look for any additional liens that have been filed against the current owner. 
  • Note the precise title transfers from the current to each prior owner to establish a chain of titles. 

Find Liens on Your Property with Connect Home Buyers

Liens on your property or house prevent you from selling your home. Most people are unaware of any liens on their property and find it hard to discover. When you try to sell your property, you face problems. At this stage, consultation with a real estate agent is inevitable.

Connect Home Buyers is a trusted real estate agency in Memphis. After searching it in public records, we will help you find any liens on your property. Contact us instantly to learn more about the process!

Conclusion

Liens are the unpaid dues on your property. Many people ask How do I find a lien on my property in Memphis? There are three types of tax liens: liens and judgment liens. You must find any liens on your property before selling your property. A property with liens on it is hard to sell. Find any liens on your property in the public records. You can search for it by property or owner name.

Frequently Asked Questions (FAQs)

How do I find out if there is a lien on my property in Memphis?

Finding any liens on your property is essential to selling it smoothly. You can find out a lien on your property by checking public records.

How many types of liens are there?

There are three types of liens: contractor, tax, and judgment.

Can I sell a property with a lien on my property in Memphis?

Yes, you can sell a property with a lien in Memphis. But, it may affect the selling process at some stage. Try to get rid of it as you discover it.

How can Connect Home Buyers help me find a lien on my property in Memphis?

Connect Home Buyers is a local real estate company in Memphis. We help you find any liens on your property to smooth the selling process. We search public records for you to discover any liens.

What type of real estate services does Connect Home Buyers offer?

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