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I would contact the title company that originally recorded the deed or your local public records department from either the city or county where the deed was recorded. I believe any local title company can assist you, although there might be a charge do employ their assistance if you can't locate it yourself.
What do you need the original for ? Did your lender request it ? Are you trying to sell a property ?
I only have a copy of a warranty deed in Michigan. Is a copy ok? Where is the original? Also is a warranty deed the same as a deed in Michigan?
Has the Deed been recorded? If it has been recorded, your copy--if it's a photocopy of the recorded Deed--should have a Liber and Page number on it, as well as a tax certification stamp showing that property taxes had been paid prior to closing. The Deed should also show the amount of transfer taxes which were paid when it was recorded. If in doubt as to whether it has been recorded, you would need to check with the County Register of Deeds office. A number of counties in Michigan have online access to recorded instruments.
If your Deed has NOT been recorded, a copy of a Deed can NOT be recorded. Only original documents can be recorded. You would need to get a Deed to replace the one that had been issued.
There are a few types of Deeds which are used in Michigan, all of which can convey interests in property. The most common are Quit Claim Deeds and Warranty Deeds--and a Warranty Deed is by far the best type to receive. With a Warranty Deed the Grantor is guaranteeing that they hold free and clear title to the property and that they have the right to transfer it to the Grantee.
As long as your Deed has been recorded, having only a copy is fine. The most important reason to keep a recorded Deed--or a copy of the Deed--is so that you have the information on the Deed handy for when you need to draft another Deed to convey the property.
Ok, here is the original post and responses! Sorry all, but thank you so much for helping me out!!!! Tomorrow this Warranty Deed Copy and that Title Insurance go into the bank box!!!!
I would contact the title company that originally recorded the deed or your local public records department from either the city or county where the deed was recorded. I believe any local title company can assist you, although there might be a charge do employ their assistance if you can't locate it yourself.
What do you need the original for ? Did your lender request it ? Are you trying to sell a property ?
Hi! I want to sell this place eventually and was informed that I need certain documents.
Has the Deed been recorded? If it has been recorded, your copy--if it's a photocopy of the recorded Deed--should have a Liber and Page number on it, as well as a tax certification stamp showing that property taxes had been paid prior to closing. The Deed should also show the amount of transfer taxes which were paid when it was recorded. If in doubt as to whether it has been recorded, you would need to check with the County Register of Deeds office. A number of counties in Michigan have online access to recorded instruments.
If your Deed has NOT been recorded, a copy of a Deed can NOT be recorded. Only original documents can be recorded. You would need to get a Deed to replace the one that had been issued.
There are a few types of Deeds which are used in Michigan, all of which can convey interests in property. The most common are Quit Claim Deeds and Warranty Deeds--and a Warranty Deed is by far the best type to receive. With a Warranty Deed the Grantor is guaranteeing that they hold free and clear title to the property and that they have the right to transfer it to the Grantee.
As long as your Deed has been recorded, having only a copy is fine. The most important reason to keep a recorded Deed--or a copy of the Deed--is so that you have the information on the Deed handy for when you need to draft another Deed to convey the property.
Hi! I want to sell this place eventually and was informed that I need certain documents.
I replied to your other thread. What you have is fine. Don't worry. The only thing that you might want to check is whether a Discharge of Mortgage has been recorded.
I replied to your other thread. What you have is fine. Don't worry. The only thing that you might want to check is whether a Discharge of Mortgage has been recorded.
Oh? All I have is a letter from the bank saying their loan was paid off by me, and something about a lien. I do not have this lien.
Oh? All I have is a letter from the bank saying their loan was paid off by me, and something about a lien. I do not have this lien.
The mortgage was the lien. When it was paid off, a Discharge of Mortgage should have been filed. Most likely it was, but to double-check you can search for the recorded document online. Here's a link to the Kent County Register of Deeds office:
Oh thank you! Do I have to produce this lien? Do I have to produce this Discharge of Mortgage to sell? Thanks for the link! Now in the bank letter it said: "We will release the line on your property in accordance with the appropriate state and county requirements. Depending on the county recorder's office, it may take up to 90 days before your lien release is recorded." They don't say they will send it to me????
Oh thank you! Do I have to produce this lien? Do I have to produce this Discharge of Mortgage to sell? Thanks for the link! Now in the bank letter it said: "We will release the line on your property in accordance with the appropriate state and county requirements. Depending on the county recorder's office, it may take up to 90 days before your lien release is recorded." They don't say they will send it to me????
That's how it is typically done. The lien holder does not send the release to you, they have it recorded directly.
Once recorded, when you go to sell the title company will research the title and find that you no longer owe on the mortgage. You don't have to do anything.
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