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So you are considering purchasing a property. How do you know if there will be additional hidden charges? Won't the title search uncover any liens on the property?
Did the previous owner have any unresolved violations or building permits, Unpaid Utilities, or any other issues?

A title search will uncover any recorded liens on a property. However, few people know that there can be many other unrecorded charges on a property that can eventually result in alien. These charges will no longer be the responsibility of the former property owner, but if they go unpaid, they can become the responsibility of the new property owner. The same follows for unresolved violations, building permits that have not been closed properly, or unpermitted structures. In some cases, the new owner can become liable for an overlooked utility bill as well.

No one, The assumption would be the title company is responsible for these types of issues. In fact, it isn't because these types of issues are not of public records and do not attach to the real property. A Municipal Lien search will thoroughly investigate any violations, permits, unrecorded Liens, Taxes, and Utilities that are affiliated with the property. Even with the increasing sales of foreclosures in the market, we are facing. Some banks are not conducting Municipal Lien Searches on Properties. In some cases, a Municipal Lien Search is overlooked altogether.

Some properties and all Condominiums have Associations that manage the communities, and they usually have A Management Company that handles their affairs. The Estoppel letters contain vital information such as the common expenses and obligations of the owner, parking spacing, upcoming assessments, HOA Violations, transfer fees, capital contributions, and Estoppel Fees. When a title company is involved, it is very important for them to receive the Estoppel Letter to be able to ensure the title of the property. If you are closing at a title company, they usually order the Estoppels; in other cases, someone else needs to obtain the Estoppel, and it can be a time-consuming task. Abe Lien Services, LLC can relieve you of your time ordering the Estoppels.

A Property Survey is very important - it shows the boundary lines of your property and where the house lies within your property. In Single-Family Dwellings, Town Homes, Villas, when financing a property, the lender will require the title company to issue a Survey endorsement. For a Title Company to issue a said endorsement, they must be able to look at a survey to make sure of no major encroachments or issues to the property. If your property is located in a Flood Zone area, the surveyor can issue a Flood Elevation Certificate, which in turn you give the elevation certificate to your homeowner's/Flood Insurance Company they might be able to save you money on the Flood Insurance premiums.

Yes, If you want to do any work on the outside of the home and require HOA or County/City Permission - The Association and county/city will ask for a property survey to issue their permits.

Someone will have to deal with these types of issues and can be a time-consuming task. We at Abe Lien Search, LLC can help in resolving these issues.

HOA lien, Tax lien, judgment mortgages before purchasing since you will become responsible for handling these issues