O&E Report for Any U.S. Property

An ownership and encumbrance report shows who owns a property and what is recorded against it. The TruPoint Expanded Title Search includes the owner and vesting, the chain of title with every indexed deed copy up to 40 years back, open mortgages, judgments and liens against the owners by name, bankruptcy and OFAC checks, property tax status, the legal description, an assessor property profile, and copies of the recorded documents found.

Yes. The Encumbrances section lists the open mortgages and deeds of trust recorded against the property, or states that none were found. The special comments also note whether a release was recorded in the past 24 months.

The Expanded Title Search starts at $375. It is $375 in most counties and $400 or $475 in others. Select the property state and county on the order form, and your exact price appears before you pay.

$375, $400, or $475, depending on the county. Online record access costs more in some counties than others. Each county has one published price, shown on the order form as soon as you select the county, so you always see the price before you pay.

Yes, in 44 states. The O&E report is offered in counties whose records can be searched online, in 44 states. It is not available in Kansas, Nebraska, North Dakota, Oklahoma, South Dakota, Vermont, or West Virginia. Where it is not offered, the Property Lien Report and Chain of Title Report can still be ordered.

O&E reports are emailed as a PDF, typically the same business day for orders placed by 4:30 p.m. Pacific, Monday through Friday, once payment and the property details are received.

Yes. The Expanded Title Search searches the current owners by name for recorded judgments and liens, lists the names searched, and adds a bankruptcy search and an OFAC sanctions check on each name.

Yes. The Expanded Title Search includes property tax status: assessed land and improvement values, exemptions, annual tax, and each installment’s amount, status, date paid, delinquency, penalty, and balance due, where the tax agency reports them.

Yes. The report includes PDF copies of every recorded deed in the chain of title, as far back as the county has indexed its records, up to 40 years. There is no extra charge for deed copies within that range.

Order the Expanded Title Search, from $375, for the current owner: up to 40 years of deeds, open mortgages, owner judgments and liens, bankruptcy and OFAC checks, and tax status. Order the Two-Owner O&E Report, from $400, when you also need the prior owner period searched by name, which is common for foreclosure and REO purchases. You choose the report.

No. A preliminary title report is issued by a title insurance company as an offer to insure. An O&E report is an uninsured compilation of property records. It is not title insurance, and no one insures or guarantees title based on it.

Yes. Real estate investors, foreclosure auction bidders, private lenders, attorneys, and heirs commonly order O&E reports to see ownership and recorded mortgages before a purchase, loan, or transfer.

Yes. Many auction buyers do, because it shows the chain of title, recorded mortgages, judgments and liens against the owner, and tax status in one PDF. Which liens survive the sale is a question for a title company or attorney before you bid.

Yes, as a separate report. The HOA Lien and Contact Report, at $95, shows recorded HOA lien activity and association contact details where available.

A paid-off loan still appears when a release or reconveyance was never recorded. The lender or loan servicer is usually responsible for recording it. For California property with a private lender, TruPoint prepares a substitution of trustee and full reconveyance for $500.

Yes. Investors, wholesalers, private lenders, realtors, attorneys, and property managers who order regularly can apply for a partner account and save up to 15 percent on published report prices.

On the order page, tap Expanded Title Search, select the property state and county to see your price, add any other reports, review and sign the agreement, and pay by card through Square. Your PDF is emailed, typically the same business day.