Do you know the history of the property you’re considering in Florida? Before you hand over your hard-earned money, it’s important to know more. A thorough property lien search can reveal unpaid debts and legal claims that could risk your ownership.
Here’s a guide to help you navigate the lien search process effectively.
Gather Property Information
Before you begin, collect the necessary details. You’ll need the full address and the property identification number (PID), typically found on the property deed or tax records. This information helps you locate property records accurately and efficiently.
Visit the County Recorder’s Office
Florida counties have a clerk of the court or county recorder’s office that maintains public records, including liens. You can search for records in person or online. Search using the current owner’s name and the property’s legal description, as individuals usually have liens filed against them.
Use the Florida Public Records Search
Florida’s public records are usually accessible online via the county recorder’s website or state platforms. While some counties may charge a fee for detailed reports, initial searches are typically free. You can view recorded liens, mortgages, and judgments related to the property, so be sure to check for any claims or unresolved debts that may affect your transaction.
Check the Property Appraiser’s Office
The property appraiser’s office in each county provides data on taxes, ownership, and property issues. Cross-reference this information with the recorder’s office to confirm the property’s legal description and parcel number. The recorder’s office often records tax liens, which indicate unpaid property taxes or assessments.
Search for Federal and State Tax Liens
Federal and state tax authorities may file liens against the property due to unpaid income taxes. To check for federal liens, visit the Internal Revenue Service (IRS) website and use their lien search tool. For state tax liens, contact the Florida Department of Revenue or visit their website. These liens can complicate property transfers, so include them in your search.
Review Court Records
Liens can arise from legal disputes, such as lawsuits or judgments against the property owner. To conduct a complete search, visit the local courthouse or check online for civil and criminal court records. Judgments in favor of creditors can result in liens on the property. Some counties offer online portals for case searches, saving you a trip to the courthouse.
Hire a Title Company or Attorney
If the process feels complicated or you want to be thorough, consider hiring a title company or real estate attorney. Title companies perform lien searches and offer title insurance to protect against missed liens. Attorneys can provide legal advice and assist with resolving any found liens.
Clear Any Existing Liens
If you discover a lien on the property, resolve it before proceeding with the sale. Contact the lienholder to negotiate payment terms or settlements. The seller may need to pay off the lien as part of the closing process. Clearing liens is necessary, as unresolved debts could transfer to you as the new owner.
If you’re looking for a reliable and thorough property lien search, our team at Florida Lien Search, Inc. is here to help. Whether you’re buying or selling, we have the resources to complete your lien search efficiently and accurately. Don’t risk your investment—contact us today!