Property Title Searches in Michigan (MI)

With a population of nearly 10.12 million, Michigan is the 10th-largest state by population and the 11th-largest by area. Lansing is the state’s capital, and Detroit is its largest city. Metro Detroit is one of the country’s most populous and largest metropolitan economies.

Why You Need to Perform a Property Title Search

When buying a house or any real estate property, conducting a title search is essential. This search helps you check if there are any liens, unpaid taxes, or other encumbrances on the property. Whether you are a homeowner, buyer, or seller, understanding the property's ownership history can save you from unexpected legal or financial issues.

How to Look Up Property Records and Find Liens

If you want to find out who owns a property or check for any liens or judgments against it, you will need to search in several places:

1. Assessor and Tax Collector: The local assessor’s office will provide information on the property’s assessed value and tax details. If the property taxes are delinquent, they will be transferred to the county tax collector's office.

2. Register of Deeds: This office keeps records of all documents affecting the property, such as deeds, mortgages, assignments, modifications, judgments, and liens. Performing a thorough check here will give you details on the property's ownership history.

Comparing the Costs of Title Searches in Michigan

The cost of a title search varies depending on the type of search and location. Here is a breakdown of typical title search costs in Michigan:

Type of Search	Cost
O&E Report (Residential)	$95.95
Two Owner Search (Residential)	$149.95
30-Year Search (Residential)	$195.00
Title Update	$50.00
Chain of Title Search	$75.00
Commercial O&E Report	$250.00

Price depends on the county; lowest price shown. Prices are subject to change.

Liens and Judgments in Michigan: Where to Find Them

Liens and judgments are claims for unpaid debts. Some debts can even attach to the property. A judgment or lien is first filed in civil court. In order for the judgment or lien to affect real estate, it must then get recorded in the county recorder’s office. If the judgment doesn’t get recorded, then it will not affect the property.

Additional Tips for Conducting a Title Search

• Use Property Lookup Services: Websites like Mortgage Services provide comprehensive title search services for both residential and commercial properties.
• Check with the Motor Vehicle Department: If you are looking for information about vehicle liens, the Motor Vehicle Department can help you verify car titles, VINs, and plate numbers.
• Understand Property Types: Different types of properties, like foreclosed homes or commercial buildings, may require different search methods.

Conducting a thorough property title search is crucial whether you are buying, selling, or simply interested in the ownership history of a property. By knowing where to search, how much it might cost, and when to hire a professional, you can make informed decisions and protect your investments.

Michigan Counties Served

Title searches in Michigan cover a wide range of counties, including:

Alcona, Alger, Allegan, Alpena, Antrim, Arenac, Baraga, Barry, Bay, Benzie, Berrien, Branch, Calhoun, Cass, Charlevoix, Cheboygan, Chippewa, Clare, Clinton, Crawford, Delta, Dickinson, Eaton, Emmet, Genesee, Gladwin, Gogebic, Grand Traverse, Gratiot, Hillsdale, Houghton, Huron, Ingham, Ionia, Iosco, Iron, Isabella, Jackson, Kalamazoo, Kalkaska, Kent, Keweenaw, Lake, Lapeer, Leelanau, Lenawee, Livingston, Luce, Mackinac, Macomb, Manistee, Marquette, Mason, Mecosta, Menominee, Midland, Missaukee, Monroe, Montcalm, Montmorency, Muskegon, Newaygo, Oakland, Oceana, Ogemaw, Ontonagon, Osceola, Oscoda, Otsego, Ottawa, PresqueIsle, Roscommon, Saginaw, Saint Clair, Saint Joseph, Sanilac, Schoolcraft, Shiawassee, Tuscola, Van Buren, Washtenaw, Wayne and Wexford,

Frequently Asked Questions
from Customers in Michigan

When to Hire a Professional for Your Property Title Search?

A professional should always be enlisted to conduct a property title search. A company like Mortgage Services who has years of experience and a vast knowledge of the title industry can ensure that an accurate search is completed.

How long does it take to get a title report in MI?

A property search is usually finalized within 24-48 business hours, but with our expedite service option, it can be done within four hours.