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Is a warranty deed the same as a title?

Paired with title insurance, your warranty deed guarantees that the granter is the rightful owner and transfers these rights and title to you as the grantee or new owner of the property. With a warranty deed, your title is clear. However, both the warranty and quitclaim deeds are not sales documents by any means.

Is a warranty deed proof of ownership?

A warranty deed is one type of proof of ownership. It shows the name of the owner and gives a brief description of the property. The previous owner or party granting you ownership signs the warranty deed, showing your rights to the property. A quitclaim deed is the other main type of property deed.

How do you prove ownership of property?

Property Deeds. The actual deed to the property shows the name of the current owner and a description of the property. Recorder's Office Documents. Deed of Trust. Mortgage Note. Satisfaction of Mortgage Letter.

Is Warranty Deed same as deed?

Any type of deed functions to transfer ownership of property between two parties. The warranty deed is commonly used when a property is purchased at or around its fair market value. The deed implies certain warranties that the seller, or granter, provides to the buyer, or grantee.

Who files a warranty deed?

It pledges or warrants that the owner owns the property free and clear of any outstanding liens, mortgages, or other encumbrances against it. The two parties involved in a warranty deed are the seller or owner, also known as the granter, and the buyer or the grantee.

Does a warranty deed have to be recorded to be valid?

Validity of a Deed does not need to be filed or recorded with a government agency to be valid. Also, there is no law that prevents a valid deed from being recorded at any time, even years after the official transfer takes place.

What is the difference between a warranty deed and a title policy?

In the warranty deed, the granter of the deed (the seller) guarantees that the title of the property does not have any encumbrances or claims. This is different from title insurance. This only protects you against such claims, but does not involve the transfer of the property from the seller to the buyer.

Does a warranty deed require a title search?

Think of it as an as is deed. This kind of deed exists to pass along any title, interest, or claim that a seller has to a buyer. However, there is no title search involved, none of the covenants of a warranty deed are made and there is no guarantee that a title is valid.

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