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Rebuild Detroit is not a title agency, title insurer or law firm and does not give legal advice; information here is general.
Top Title Search Pros in Metro Detroit
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Title Search in Detroit: what to expect
A title search in Detroit traces the ownership history of a property through county records to confirm who owns it and what is attached to it: mortgages, liens, easements, unpaid taxes and court judgments. It is the first step in a sale or refinance and the basis for title insurance in Wayne, Oakland and Macomb counties.
Detroit has a lot of properties with complicated histories: estates never probated, land contracts never recorded, tax foreclosures and land bank sales, and old mortgages never released. A careful search catches these before you close, when they are easier to fix.
A search alone does not protect you from errors or hidden defects; an owner's title policy does. Compare Detroit title companies. Rebuild Detroit is not a title agency or law firm, and this is general information, not legal advice.
What a proper job includes
- Search of the chain of title at the county register of deeds
- Review of recorded mortgages, liens, easements and restrictions
- Property tax status check with the treasurer
- Judgment and court record checks on current owners
- Legal description and parcel number confirmation
- A written report or title commitment listing findings
What drives the price
- Search depth: current owner search vs full chain of title
- Residential, vacant land or commercial property
- Number of past transfers, estates or foreclosures in the history
- Rush turnaround needs
- Whether a title commitment and policy follow
- Copies of recorded documents requested
Rebuild Detroit does not publish price ranges. Get written quotes for the same scope and compare.
Licensing and records in Michigan
In Michigan, title insurers and title insurance agents are regulated by the Department of Insurance and Financial Services (DIFS), which licenses title producers and agencies. Search the agent, agency or underwriter in the DIFS locator before you send money.
Deeds, mortgages and liens for Detroit, Dearborn, Livonia and other Wayne County communities are recorded with the Wayne County Register of Deeds; Oakland and Macomb counties have their own registers.
Verify: DIFS insurance licensee and agency search Wayne County Register of Deeds Michigan notary search (Department of State) How We Vet
How to compare quotes
- Ask whether the quote is a current owner search or a full chain search.
- Ask what records are checked: deeds, taxes, judgments and court cases.
- Check the agent or agency in the DIFS locator.
- Ask how quickly they deliver a written report or commitment.
- Ask what happens if they find a problem and who can fix it.
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Title Search in Detroit: FAQ
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