County Property Records – Where can i find old property deeds dated 1800s'?
Where can i find old property deeds dated 1800s'?
Property records (in the US) would usually be filed at the county courthouse. For some types (land grants, etc) they can be at the state archives, which are sometimes online.
The sheer volume of land records normally means that they won't be online. Just too labor intensive.
On the other hand.. it does not mean you have to travel across counrty. The LDS church has probably microfilmed them, and you can normally rent the film for like $3 to read close to home. Just not internet based.
My experience.. I have dug through land records in person, dust and all. Of all offline records.. they have been extremely valuable when hitting brick walls. Land in the US has always been of more value to record than births/deaths or marriages.
Do you have a certain locality in mind? If you post that, we may find some online leads.
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Once they have found a solution that allows them to save their house from foreclosure, many homeowners would like to delete any mention of the proceedings from their credit or property record. Because the foreclosure was cured and the mortgage either reinstated or paid off, they should be able to get it off of their histories, right? Wrong. Too often, the fact that a house went into foreclosure will haunt the homeowners long into the future.
On the credit record, having a string of late mortgage payments leading up to the foreclosure will severely damage the owners’ scores. Being able to solve the problem before losing the house completely may not impact the history or score in a significant way, since the negative payment history is often not far enough removed in time. It will take a number of months to begin repairing the credit if the homeowners were able to save their home, and it may take years to qualify for a new loan if they lost the house to the foreclosure.
Getting the foreclosure removed from the credit report is also extremely difficult. It can be done, but it is unlikely and would take much work on the part of the property owners. In essence, to remove a foreclosed loan from the credit history, the debtors would have to persuade the mortgage company to request that the credit reporting agencies no longer show it on their records. Banks are often unwilling to do this, of course. Otherwise, there is usually no way to get a foreclosure removed in order to boost a credit score.
County records are even more difficult to remove once they have been recorded. Because the county keeps all documents that ever affected a particular property, they will not be willing to delete any foreclosure or other lawsuit court documents from appearing in relation to the house. Counties even keep foreclosure, deed history, and mortgages from previous owners going back decades, so that anyone can perform a title search through public records and verify ownership and liens.
The fact that the county is most often the keeper of all these historic documents means that homeowners who faced foreclosure, even if they were able to save their house, will always have those documents in their name in regards to the house. Their ability to stop foreclosure does not negate the fact that the documents were filed in the first place. On the positive side, however, is the fact that, once a house is taken out of foreclosure, those documents will also be recorded and anyone searching the property will be able to see that the owners prevented the loss of the home.
Public records and credit agencies often keep documents for far longer than homeowners would prefer, especially if they are constant reminders of a financial hardship and prevent the owners from qualifying for other loans that they are able to pay back. The credit agencies only keep foreclosure records for 7-10 years, while county records are kept virtually forever. It is possible, but unlikely to remove a foreclosure from a credit report, but essentially impossible to get the county to hide away those documents. After all, they are only providing a history of a particular property, and foreclosure can play a role in the history of a house.
The ForeclosureFish website has been created to help homeowners stop foreclosure on their properties and defend themselves against the bank’s lawsuit before they are evicted. The site examines numerous methods that may be used to save a home, including foreclosure loans, mortgage modification, cash for keys, deed in lieu of foreclosure, and other solutions. Visit the site to read more about how foreclosure works and how to recover from it afterwards: http://www.foreclosurefish.com
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