Property Voluntary Lien Records
The Voluntary Liens Report includes liens placed on property with the owner's consent or at the owner's request. These reports provide all known current and historical records of secured financial interests in the property, created through agreements between creditors and borrowers. When a property is used as collateral for a loan, it becomes subject to a voluntary lien, making it public information upon recording. Real estate mortgages and home loans are prime examples of such liens.
The data is sourced from public property records, including County Recorder's and Tax Assessor's Offices, and is distinctly more comprehensive than our Title History Report, which is encompassed within the Voluntary Liens Report.
Importance of Voluntary Liens Data
Voluntary liens data is crucial for understanding the financial transaction history of a property, including sales, mortgages, releases, assignments, and foreclosures, as well as ownership transfers. This report is ideal for discovering how often the property was sold or transferred, its mortgage history, and the parties involved. This lien data is also vital for assessing the property's overall financial health, including whether it was refinanced or foreclosed upon, and the size of the loans. The Voluntary Liens Report report is available through all of our Subscription Plans and can be purchased separately or as a supplement to other reports.
Voluntary Liens Report Contents
- Current Ownership: Owner's name, property physical address, and APN (Assessor's Parcel Number).
- Title Transfers: Changes in ownership in non-sale transactions, typically with a Quitclaim deed.
- Sales Data: Changes in ownership via sale of the property either on or off the market.
- Mortgage Data: Original mortgage and refinance records.
- Assignments: Transfers of loans to another lender.
- Releases: Removal of liens, indicating that a debt has been paid off.
- Modifications: Changes to existing mortgage terms.
- Foreclosures: Pre-foreclosure notices and foreclosure transactions.
Types of Properties covered
- Residential
- Commercial
- Land
- Vacant Lot
- Industrial
- Agricultural
- Other types of Real Estate Properties
Provided Data
The Property section identifies the subject property by address, current owner's name, and APN (Assessor's Parcel Number). The Summary of Records lists all transactions chronologically with recording dates, types, and document numbers for easy navigation. The individual Record sections combine associated transactions, including data fields like Sales Recording Date, Sale Price, Document Type and Number, Grantor and Grantee Names, Finance Recording Date, Loan Amount, Borrower(s) and Lender Names, Mortgage Terms, and relevant information for other transaction types such as Trustee's Sale and Notice of Default.
Comparison of Title History and Voluntary Liens Reports
Obtaining a Title History Report is unnecessary if you have a Voluntary Liens Report, since it includes all title history records. To compare Title History and Voluntary Liens Reports, please refer to the chart below. To review report samples, click on the report name in the table.
| CONTENTS | TITLE HISTORY | VOLUNTARY LIENS |
|---|---|---|
| Current Ownership | Yes | Yes |
| Summary of Records | No | Yes |
| Sales Records | Yes | Yes |
| Title Transfers | Yes | Yes |
| Finance / Mortgage Records | Yes | Yes |
| Assignments | No | Yes |
| Releases | No | Yes |
| Modifications | No | Yes |
| Foreclosure Records | No | Yes |
Property reports do not represent the condition of the title and may not include all recorded information. Property records are in the public domain -- government establishments, such as the county recorder, and the local tax assessor's office, are tasked with maintaining them. Not all data may be available in all Counties or on every real property.