I was going to post about a recent series of events that have happened within the last 45 days....and here we are Title Company error????
1) Received a letter from the county tax assessor's office stating that they
believe someone is living at this property address, and the assessment
has changed. It seemed to mean that they were only assessing the
property 22.3 acres, and not the house on it. I thought this was odd,
as the people we bought this place from were living here
2) Then received a tax bill for property taxes that will be due in December,
that seemed normal, although at closing I was told there was a tax
abatement, but on one was able to explain that.
3) 2 days ago got a phone call on my cell (hmm, how did they get that?)
from the Title Company telling me that they are having a problem recording the transaction. I asked if they had the entire file, she said yes,
I asked her to send it to me, along with the quit-claim deed that she wanted me to sign, as the original one I signed at closing was mis-placed.
We bought this house and acreage 18 months ago, and still there is no recording? The Title company was not the local title company that did all the title work, and was at the closing, this was another branch located in Nebraska, she said they are the division that work out the "problems"
Last weekend, curious about the recording because of the letter from the county, I tried to get in to the county records, with no avail. I ended up on HomeInfo Max where I paid to get property information on the property we "think" we are purchasing.
What I found was this: Detailed Property Report that only lists ownership information --my husbands name, with a mailing address of our previous address, not the current address where we actually live. The property characteristics are all blank, this actually pertains to the house, and it is all blank...could be this data was gathered prior to the house being built...which was three years ago.
The last transfer information shows a recording date of May 5, 2005 (prior to us purchasing the home), the deed type is listed as a quit claim deed...
a sale date of May 4, 2005 (also prior to our purchase date) and a sale price of $292,600.00 hmmmmm....
We closed our loan April 18, 2006, with a purchase price of $234,000
Last Market Sale Information, shows a recording date of April 10, 2007
and a sale date of April 18, 2006 (our actual closing date)
and shows the sellers name
When we, I say we, but the loan is only in my husbands name...because of my previous BS with Saxon, I didn't want to be on the loan or the deed.
Anyway, at closing, we did not get a copy of ANYTHING!! I called the title company several times to request copies of the closing documents, but they never sent them to me. So 18 months later, there is a problem with the recording of the sale because they lost the quit claim deed I signed at closing.
We are not behind in our mortgage...so I don't know what all this means, or how it was prompted...what do you all think?