Property Title Searches in Louisiana (LA)

With a population nearing 4.6 million, Louisiana stands as the 25th most populous state. Known for its rich history, vibrant culture, and robust economic landscape, it’s a hub for energy production, ranking high in natural gas and crude oil outputs. New Orleans, the heart of the state, is synonymous with jazz and blues, attracting global visitors to its lively festivals and unique cuisine. The strategic position along the Mississippi River bolsters a thriving shipping industry, vital for commerce and trade.

What is a Property Title Search in Louisiana?

A property title examination in Louisiana is a detailed review of public records to trace ownership history and identify any existing claims, liens, or legal encumbrances. This includes analyzing deeds, mortgages, court filings, and tax records. The goal is to verify the legal ability to transfer ownership, confirm the current owner's identity, and ensure there are no unresolved liabilities.

Why is a Title Search Important?

Conducting a thorough title review is essential when purchasing real estate. This process ensures the property has a clear title, free from hidden debts or legal issues that might affect ownership rights or lead to future disputes. A professional title search uncovers potential risks, such as unpaid taxes, unresolved liens, or legal disputes, enabling a smoother property transaction.

Current Owner Search Services in Louisiana

Mortgage Services’s Owner & Encumbrance (O&E) Report provides a comprehensive analysis of the property’s tax status and assessment within all relevant Louisiana jurisdictions. Key features include:

• Identification of delinquent taxes, including accrued interest.

• Inclusion of an out-of-family, full-value transfer deed for the current property owner.

• Review of all mortgages initiated by the current owner, highlighting any that remain open.

• Documentation of related legal actions, such as mortgage modifications, assignments, or foreclosure proceedings.

• Detailed reporting of judgments and liens affecting the property or owner.

Two Owner Title Search in Louisiana

Mortgage Services’s Two Owner Title Search delivers an in-depth look at the property’s tax assessment and status across applicable jurisdictions. Highlights include:

• Identification of delinquent taxes with exact amounts and interest.

• Two out-of-family, full-value transfer deeds: one into the current owner and one into the prior owner.

• Comprehensive review of all mortgages taken out by the current and previous owners, including any open mortgages and related documents like modifications or foreclosure actions.

• Detailed reporting of judgments, liens, and any foreclosure deeds with supporting documentation.

The Cost of Title Searches in Louisiana

Type of Search	Cost
O&E Report (Residential)	$125.00
Two Owner Search (Residential)	$175.00
30-Year Search (Residential)	$250.00
Title Update	$50.00
Chain of Title Search	$75.00
Commercial O&E Report	$350.00

Prices may vary by county; the lowest price is shown and subject to change.

Tax Deeds and Redemption Processes in Louisiana

Louisiana’s tax deeds feature a three-year statutory redemption period, allowing the original owner to reclaim the property. After this period, tax deed holders can initiate a quiet title lawsuit to secure undisputed ownership. If redemption is not exercised, legal negotiations or settlements may be required to clear the title. In cases where statutory notices were improperly served, legal actions to annul the tax sale may be pursued, often resulting in a quitclaim deed to facilitate redemption after the statutory period.

Serving All Counties in Louisiana

Acadia, Allen, Assumption, Avoyelles, Beauregard, Bienville, Bossier, Caddo, Calcasieu, Caldwell, Cameron, Catahoula, Claiborne, Concordia, De Soto, East Baton Rouge, East Carroll, East Feliciana, Evangeline, Franklin, Grant, Iberia, Iberville, Jackson, Jefferson, Jefferson Davis, La Salle, Lafayette, Lafourche, Lincoln, Livingston, Madison, Morehouse, Natchitoches, Orleans, Ouchita, Plaquemines, Pointe Coupee, Rapides, Red River, Richland, Sabine, St Bernard, St Charles, St Helena, St James, St , John the Baptist, St Landry, St Martin, St Mary, St Tammany (Covington), St Tammany (Slidell), Tangipahoa, Tensas, Terrebonne, Union, Vermilion, Vernon, Washington, Webster, West Baton Rouge, West Carroll, West Feliciana, and Winn.

Frequently Asked Questions
From Customers in Texas

What documents are included in a title search in Louisiana?

A typical title search includes deeds, mortgage records, tax assessments, liens, and judgments. These documents ensure no legal or financial issues hinder ownership transfer.

Can I perform a property title search on my own?

While it’s possible to conduct a title search independently, accessing all necessary records and understanding legal nuances often requires expertise. Professional services like Mortgage Services ensure thoroughness and accuracy.

What happens if a lien is discovered during the title search?

If a lien is found, it must be resolved before transferring ownership. This might involve negotiating with the lienholder or ensuring the seller clears the debt prior to closing.