Why Order a Municipal Florida Lien Search from Property Debt Research?

The value of a Municipal Lien Search: If you or your client is thinking about purchasing a property, particularly a foreclosure or a short sale, how do you know if there will be additional hidden problems or costs? Did the previous owner have any unresolved violations or building permits? Why not rely on a title search?

What is a Municipal Lien Search?

A Municipal Lien Search is research to discover unrecorded municipal liens, code violations, special assessments, utility, and open or expired permits issues that are associated with residential or commercial real estate.

Prior to closing, these municipal charges are the responsibility of the seller, however if they go unpaid, they can become the responsibility of the buyer. A Municipal Lien Search from PROPERTY DEBT RESEARCH will thoroughly search property history for any code or permit violations, unrecorded municipal liens, real property taxes and utilities that are associated with the property.Municipal Lien Search

Why Not Use a Title Search?

A title search will only uncover any recorded liens on a property.  It will not disclose municipal debts against real property, which can result in a lien on property if not cleared up prior to closing. Unrecorded liens are not covered under your Owners Title Insurance policy!

The bank’s title insurance agents are not required to and are not conducting Municipal Lien Searches on these properties. Don’t assume the closing agent is concerned about such matters, as this is not always the case. It is ultimately the buyer’s responsibility to obtain this information.

A Florida Municipal Lien Search from Property Debt Research includes all of the following reports:

  • Real Estate Property Taxes
  • Unrecorded Municipal & County Debts
  • Code Enforcement Violations
  • Open & Expired Permits
  • Special Assessments
  • Water Utility Balances
  • Sewer Utility Balances
  • Solid Waste Utility Balances
  • Storm Water Utility Balances
  • Building Violations

For an additional fee we also offer Zoning Verification, Information on Redeemed Tax Certificates, Tangible Property Tax, Department of Regulatory & Economic Resources Letter (fka: Team Metro Letter, Dade County only), HOA / Condo Estoppel Letters, and Property Debt Negotiation/Lien Resolution services.

Property Debt Research has served the title and real estate industry since 1994 and is the most trusted source for Lien Searches in Florida and Nationwide.  For more than 20 years Property Debt Research has provided fast, reliable service researching unrecorded Municipal debts for residential & commercial properties for real estate title support.