{"id":39508,"date":"2024-02-01T20:16:56","date_gmt":"2024-02-01T17:16:56","guid":{"rendered":"https:\/\/www.rexera.com\/?post_type=blog&#038;p=39508"},"modified":"2024-07-24T12:16:12","modified_gmt":"2024-07-24T09:16:12","slug":"what-are-municipal-lien-searches","status":"publish","type":"blog","link":"https:\/\/www.rexera.com\/blog\/what-are-municipal-lien-searches\/","title":{"rendered":"What Are Municipal Lien Searches? Real Estate Closing Tips"},"content":{"rendered":"\n<p><\/p>\n\n\n\n<p>Conducting Municipal Lien Searches is a crucial aspect of many real estate transactions, often underestimated by professionals. While it may lead to additional work and unexpected issues, it provides a comprehensive overview of potential financial or legal obligations tied to the property in question.&nbsp;<\/p>\n\n\n\n<p>Municipal Lien Searches help uncover information that may not have been recorded in public records, usually because these liens are applied at a local level and might not be immediately updated in other databases.&nbsp;<\/p>\n\n\n\n<p>So, let\u2019s look at municipal lien searches, why real estate professionals should care about them, and how to ensure they don\u2019t ruin your closings.&nbsp;<\/p>\n\n\n\n<div class=\"wp-block-ht-block-toc is-style-rounded htoc htoc--position-wide toc-list-style-plain\" data-htoc-state=\"expanded\"><span class=\"htoc__title\"><span class=\"ht_toc_title\">Table of Contents<\/span><span class=\"htoc__toggle\"><svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"16\" height=\"16\"><g fill=\"#444\"><path d=\"M15 7H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><path d=\"M15 1H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1zM15 13H1c-.6 0-1 .4-1 1s.4 1 1 1h14c.6 0 1-.4 1-1s-.4-1-1-1z\"><\/path><\/g><\/svg><\/span><\/span><div class=\"htoc__itemswrap\"><ul class=\"ht_toc_list\"><li class=\"\"><a href=\"#htoc-what-is-a-municipal-lien-search\">What Is a Municipal Lien Search?<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-importance-of-municipal-lien-searches\">The Importance of Municipal Lien Searches<\/a><\/li><li class=\"\"><a href=\"#htoc-components-of-a-municipal-lien-search\">The Components of a Municipal Lien Search<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-what-is-an-unrecorded-municipal-lien\">What Is an Unrecorded Municipal Lien?<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-types-of-liens-uncovered\">Types of Liens Uncovered<\/a><\/li><li class=\"\"><a href=\"#htoc-implications-of-hidden-municipal-liens-in-real-estate-transactions\">Implications of Hidden Municipal Liens in Real Estate Transactions<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-risks-of-undisclosed-obligations\">Risks of Undisclosed Obligations<\/a><\/li><li class=\"\"><a href=\"#htoc-legal-issues\">Legal issues<\/a><\/li><li class=\"\"><a href=\"#htoc-mortgage-eligibility\">Mortgage Eligibility<\/a><\/li><\/ul><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-title-search-vs-municipal-lien-search\">Title Search Vs. Municipal Lien Search<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-title-searches\">Title Searches<\/a><\/li><li class=\"\"><a href=\"#htoc-municipal-lien-searches\">Municipal Lien Searches<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-how-understanding-municipal-lien-searches-benefits-your-title-business\">How Understanding Municipal Lien Searches Benefits Your Title Business?<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-comprehensive-due-diligence\">Comprehensive Due Diligence<\/a><\/li><li class=\"\"><a href=\"#htoc-risk-mitigation-and-client-confidence\">Risk Mitigation and Client Confidence<\/a><\/li><li class=\"\"><a href=\"#htoc-facilitating-efficient-closings\">Facilitating Efficient Closings<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-timeframe-for-a-municipal-lien-search\">Timeframe for a Municipal Lien Search<\/a><ul class=\"ht_toc_child_list\"><li class=\"\"><a href=\"#htoc-efficient-handling-of-unrecorded-liens\">Efficient Handling of Unrecorded Liens&nbsp;<\/a><\/li><li class=\"\"><a href=\"#htoc-utilizing-rexera-for-streamlined-solutions\">Utilizing Rexera for Streamlined Solutions<\/a><\/li><li class=\"\"><a href=\"#htoc-efficient-information-retrieval\">Efficient Information Retrieval<\/a><\/li><li class=\"\"><a href=\"#htoc-facilitating-due-diligence\">Facilitating Due Diligence<\/a><\/li><\/ul><\/li><li class=\"\"><a href=\"#htoc-wrapping-up\">Wrapping up<\/a><\/li><\/ul><\/div><\/div>\n\n\n\n<h2 id=\"htoc-what-is-a-municipal-lien-search\">What Is a Municipal Lien Search?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-full\"><img loading=\"lazy\" width=\"1221\" height=\"500\" src=\"http:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/HOA-Documents-Acquisition-2.png\" alt=\"Municipal Lien Search - Rexera\" class=\"wp-image-39038\" srcset=\"https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/HOA-Documents-Acquisition-2.png 1221w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/HOA-Documents-Acquisition-2-900x369.png 900w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/HOA-Documents-Acquisition-2-768x314.png 768w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/HOA-Documents-Acquisition-2-200x82.png 200w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/HOA-Documents-Acquisition-2-24x10.png 24w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/HOA-Documents-Acquisition-2-36x15.png 36w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/HOA-Documents-Acquisition-2-48x20.png 48w\" sizes=\"(max-width: 1221px) 100vw, 1221px\" \/><\/figure>\n\n\n\n<p>A Municipal Lien Search is a process of identifying any unrecorded liens, code violations, and hidden obligations associated with a property. It proves vital, especially before the closing, when thorough due diligence is necessary. The liens could include unpaid utility bills, unresolved code enforcement violations, open or expired permits, and special assessments.<\/p>\n\n\n\n<p>This information is not typically uncovered in a standard title search, which only provides access to public records, thus excluding this crucial information.<\/p>\n\n\n\n<h3 id=\"htoc-importance-of-municipal-lien-searches\">The Importance of Municipal Lien Searches<\/h3>\n\n\n\n<p>The primary purpose of conducting a Municipal Lien Search is to ensure that the property in question is free from any undisclosed debts. This way, the interests of all parties involved in the real estate transaction can be safeguarded.<\/p>\n\n\n\n<h3 id=\"htoc-components-of-a-municipal-lien-search\">The Components of a Municipal Lien Search<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1800\" height=\"1200\" src=\"http:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-1800x1200.jpg\" alt=\"an electricity line with electric towers\" class=\"wp-image-39524\" srcset=\"https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-1800x1200.jpg 1800w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-900x600.jpg 900w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-768x512.jpg 768w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-1536x1024.jpg 1536w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-2048x1365.jpg 2048w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-1700x1133.jpg 1700w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-200x133.jpg 200w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-1320x880.jpg 1320w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-24x16.jpg 24w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-36x24.jpg 36w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/matthew-henry-yETqkLnhsUI-unsplash-48x32.jpg 48w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/figure>\n\n\n\n<p>When it comes to real estate deals, a Municipal Lien Search is packed with crucial elements that you just can&#8217;t overlook. It typically includes access to the following:<\/p>\n\n\n\n<ul><li>Lien payoff statement<\/li><li>Special assessments<\/li><li>Utility balances<\/li><li>Code violations<\/li><li>Open\/expired permits<\/li><\/ul>\n\n\n\n<p>Understanding these documents is key for title and escrow officers. By getting a handle on how they can <a href=\"https:\/\/www.rexera.com\/blog\/how-to-find-a-lien-on-a-property\/\" target=\"_blank\" rel=\"noreferrer noopener\">impact property transactions<\/a>, real estate professionals can smoothly tackle the maze of uncovering and dealing with liens for a hassle-free and <a href=\"https:\/\/www.rexera.com\/blog\/hoa-documents-for-closing-title-and-escrow\/\">transparent real estate closing<\/a>, keeping everything above the fold and crystal clear.<\/p>\n\n\n\n<p>But there are a few undisclosed liens that agents should stay vigilant about and make sure to check for, like any unrecorded Municipal Liens.&nbsp;<\/p>\n\n\n\n<h2 id=\"htoc-what-is-an-unrecorded-municipal-lien\">What Is an Unrecorded Municipal Lien?<\/h2>\n\n\n\n<p>An unrecorded municipal lien is a lien that is not disclosed in public records. These liens can pose a significant risk in real estate transactions, especially during the closing process, potentially leading to future financial liabilities for the property owner. They may not be covered by title insurance.<\/p>\n\n\n\n<div class=\"row\" style=\"display: flex; justify-content: center;\">\n  <div class=\"col-lg-10 offset-lg-1 col-xl-8 offset-xl-2\">\n    <div class=\"blog-cta-block block-blue\" style=\"background-image: url('http:\/\/www.rexera.com\/wp-content\/uploads\/2024\/07\/website-banner-3.png'); background-size: cover; background-position: center; text-align: center; padding: 20px;\">\n      <h2 style=\"margin: 0 auto; color: #FFFFFF;\">Curious to see the most comprehensive lien report?<\/h2>\n      <div class=\"blog-cta-description\" style=\"margin: 10px 0; color: #FFFFFF;\">\n        Powered by nationwide expertise and the most up-to-date utility companies\u2019 database, our lien report covers taxes, codes, permits, and utilities (gas, electricity, trash, water, sewer, stormwater).\n      <\/div>\n      <div>\n        <span class=\"cta-span\">\n          <a class=\"cta-button\" href=\"https:\/\/www.rexera.com\/resource-library\/municipal-lien-search-report\/?utm_source=website&amp;utm_medium=blog-banner&amp;utm_campaign=mls-blog-banner-cta\" target=\"_blank\" style=\"display: inline-block; padding: 10px 20px; background-color: #FFA030; color: #fff; text-decoration: none; border-radius: 5px;\" rel=\"noopener\">Download now<\/a>\n        <\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h3 id=\"htoc-types-of-liens-uncovered\">Types of Liens Uncovered<\/h3>\n\n\n\n<p>A thorough municipal lien search can unveil numerous types of liens. These can range from voluntary liens, such as a mortgage, to involuntary liens, representing debts owed to a specific party.&nbsp;<\/p>\n\n\n\n<p>Some common types of liens that can be revealed are:<\/p>\n\n\n\n<ul><li>Real Estate Property Taxes&nbsp;<\/li><li>Special Assessments<\/li><li>Back taxes to IRS<\/li><li>Building Violations<\/li><li>Code Enforcement Violations<\/li><li>Open or Expired Permits<\/li><li>Mechanic&#8217;s Liens (e.g., linked to construction work)<\/li><li>Unpaid Utilities (e.g., water, sewer, solid waste)<\/li><li>County Debts<\/li><\/ul>\n\n\n\n<p>Understanding the nature of these liens is essential in ensuring a clear property title. And here\u2019s why.<\/p>\n\n\n\n<h3 id=\"htoc-implications-of-hidden-municipal-liens-in-real-estate-transactions\">Implications of Hidden Municipal Liens in Real Estate Transactions<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1800\" height=\"1200\" src=\"https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-1800x1200.jpg\" alt=\"\" class=\"wp-image-39528\" srcset=\"https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-1800x1200.jpg 1800w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-900x600.jpg 900w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-768x512.jpg 768w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-1536x1024.jpg 1536w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-2048x1365.jpg 2048w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-1700x1133.jpg 1700w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-200x133.jpg 200w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-1320x880.jpg 1320w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-24x16.jpg 24w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-36x24.jpg 36w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/gr-stocks-Iq9SaJezkOE-unsplash-48x32.jpg 48w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/figure>\n\n\n\n<p>As a title or escrow officer, being aware of how unrecorded municipal liens impact real estate transactions is key to protecting the interests of your customers. Unrecorded municipal liens can pose specific risks and potential financial liabilities that directly impact the <a href=\"https:\/\/www.rexera.com\/blog\/escrow-closing-costs\/\">closing process.<\/a>&nbsp;<\/p>\n\n\n\n<p>Here are a few of those risks and how to deal with them.&nbsp;<\/p>\n\n\n\n<h4 id=\"htoc-risks-of-undisclosed-obligations\">Risks of Undisclosed Obligations<\/h4>\n\n\n\n<p>Understanding the significance of unrecorded municipal liens allows you to identify potential risks associated with undisclosed financial obligations proactively. By uncovering these liens early in the transaction process, you can work towards resolving them before closing, thereby mitigating risks and ensuring a transparent and <a href=\"https:\/\/www.rexera.com\/hoa-documents-for-closing-checklist\/\">timely closing process<\/a>.<\/p>\n\n\n\n<h4 id=\"htoc-legal-issues\">Legal issues<\/h4>\n\n\n\n<p>By actively addressing unrecorded municipal liens, you can ensure that your clients, including buyers and sellers, are protected from any unexpected financial burdens or legal issues associated with the property. This preemptive action contributes to building trust and confidence among your clients.<\/p>\n\n\n\n<h4 id=\"htoc-mortgage-eligibility\">Mortgage Eligibility<\/h4>\n\n\n\n<p>Recognizing the impact of unrecorded municipal liens on mortgage eligibility allows you to guide clients through the process, highlighting the importance of addressing any undisclosed obligations to ensure a property&#8217;s eligibility for mortgage approval.&nbsp;<\/p>\n\n\n\n<p>This proactive approach can help expedite the closing process and prevent potential delays due to mortgage eligibility issues.<\/p>\n\n\n\n<h2 id=\"htoc-title-search-vs-municipal-lien-search\">Title Search Vs. Municipal Lien Search<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1712\" height=\"1800\" src=\"http:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-1712x1800.jpg\" alt=\"wooden door with too mailbox lids, one say A one saying B\" class=\"wp-image-39520\" srcset=\"https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-1712x1800.jpg 1712w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-856x900.jpg 856w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-768x808.jpg 768w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-1461x1536.jpg 1461w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-1948x2048.jpg 1948w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-1141x1200.jpg 1141w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-190x200.jpg 190w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-1320x1388.jpg 1320w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-24x24.jpg 24w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-34x36.jpg 34w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/jason-dent-JVD3XPqjLaQ-unsplash-46x48.jpg 46w\" sizes=\"(max-width: 1712px) 100vw, 1712px\" \/><\/figure>\n\n\n\n<p>While both title searches and Municipal Lien Searches are integral to the real estate transaction process, they serve different purposes. A Title Search primarily focuses on <a href=\"https:\/\/www.rexera.com\/blog\/find-errors-in-public-property-records\/\" target=\"_blank\" rel=\"noreferrer noopener\">examining public records<\/a> to validate the legal ownership of the property and discover any recorded liens or encumbrances on the title.<\/p>\n\n\n\n<h3 id=\"htoc-title-searches\">Title Searches<\/h3>\n\n\n\n<ul><li><strong>Focus:<\/strong> Primarily concerned with establishing the legal ownership of a property<\/li><li><strong>Purpose: <\/strong><a href=\"https:\/\/www.rexera.com\/blog\/types-of-liens-ultimate-guide-title-escrow\/\" target=\"_blank\" rel=\"noreferrer noopener\">Uncover any existing liens<\/a>, mortgages, or other encumbrances on the property&#8217;s title<\/li><li><strong>Scope:<\/strong> Generally covers the entire history of the property&#8217;s ownership<\/li><\/ul>\n\n\n\n<p>On the other hand, a Municipal Lien Search delves deeper, identifying unrecorded liens and other potential obligations that may not appear in public records. These could include unresolved building code violations, open or expired permits, special assessments, and unpaid utility bills.<\/p>\n\n\n\n<h3 id=\"htoc-municipal-lien-searches\">Municipal Lien Searches<\/h3>\n\n\n\n<ul><li><strong>Focus:<\/strong> Aimed at revealing any outstanding debts or violations associated with the property.<\/li><li><strong>Purpose:<\/strong> Identify unpaid property taxes, code violations, special assessments, or other municipal charges.<\/li><li><strong>Scope:<\/strong> Typically concentrates on the property&#8217;s relationship with the local government and any outstanding financial obligations.<\/li><\/ul>\n\n\n\n<h2 id=\"htoc-how-understanding-municipal-lien-searches-benefits-your-title-business\">How Understanding Municipal Lien Searches Benefits Your Title Business?<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1800\" height=\"1200\" src=\"http:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-1800x1200.jpg\" alt=\"piles of documents stalked on top of each other in an office environment\" class=\"wp-image-39526\" srcset=\"https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-1800x1200.jpg 1800w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-900x600.jpg 900w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-768x512.jpg 768w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-1536x1024.jpg 1536w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-2048x1365.jpg 2048w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-1700x1133.jpg 1700w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-200x133.jpg 200w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-1320x880.jpg 1320w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-24x16.jpg 24w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-36x24.jpg 36w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/wesley-tingey-snNHKZ-mGfE-unsplash-48x32.jpg 48w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/figure>\n\n\n\n<p>By delving into the details of municipal lien searches, your title business can operate more effectively and provide added value to clients in the real estate industry.&nbsp;<\/p>\n\n\n\n<p>Here\u2019s how knowing the ins and outs of Municipal Liens will help you.&nbsp;<\/p>\n\n\n\n<h3 id=\"htoc-comprehensive-due-diligence\">Comprehensive Due Diligence<\/h3>\n\n\n\n<p>Recognizing that municipal lien searches go beyond the scope of title searches enables you to advocate for thorough due diligence in real estate transactions. By emphasizing the importance of both types of searches, you can ensure that all potential financial or legal obligations associated with the property are uncovered, providing a comprehensive view for your clients and smooth, on-time closings.&nbsp;<\/p>\n\n\n\n<h3 id=\"htoc-risk-mitigation-and-client-confidence\">Risk Mitigation and Client Confidence<\/h3>\n\n\n\n<p>Educating clients about the distinct purposes and processes of title searches and municipal lien searches allows you to mitigate risks associated with closings actively. It helps you provide clients with confidence in the transparency and integrity of the transaction process. This understanding helps foster trust and credibility in your professional expertise.<\/p>\n\n\n\n<h3 id=\"htoc-facilitating-efficient-closings\">Facilitating Efficient Closings<\/h3>\n\n\n\n<p>By guiding clients through the differences between these searches, you can facilitate efficient closings. Showcasing the need for comprehensive due diligence ensures potential risks are addressed before the closing process. These efforts contribute to a smoother and more streamlined transaction experience.<\/p>\n\n\n\n<h2 id=\"htoc-timeframe-for-a-municipal-lien-search\">Timeframe for a Municipal Lien Search<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1800\" height=\"1200\" src=\"http:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-1800x1200.jpg\" alt=\"a table full of old mechanical clocks\" class=\"wp-image-39521\" srcset=\"https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-1800x1200.jpg 1800w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-900x600.jpg 900w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-768x512.jpg 768w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-1536x1024.jpg 1536w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-2048x1365.jpg 2048w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-1700x1133.jpg 1700w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-200x133.jpg 200w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-1320x880.jpg 1320w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-24x16.jpg 24w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-36x24.jpg 36w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/ahmad-ossayli-laJW5pp-6Yw-unsplash-48x32.jpg 48w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/figure>\n\n\n\n<p>The process of requesting a municipal lien search can vary significantly depending on the municipality and the nature of the property.&nbsp;<\/p>\n\n\n\n<p>The process can entail multiple calls to local firms, and each municipality has different turnaround times. Some municipalities may complete a search<strong> within 5 business days<\/strong>, while others may take<strong> up to 20 business days.<\/strong><\/p>\n\n\n\n<p>Our advice is to initiate a municipal lien search as early as possible to identify and resolve any potential issues before finalizing the transaction.<\/p>\n\n\n\n<p>You can also turn to professionals who will help navigate the intricacies of Lien Searches and speed up the process of gathering the information.&nbsp;<\/p>\n\n\n\n<h3 id=\"htoc-efficient-handling-of-unrecorded-liens\">Efficient Handling of Unrecorded Liens&nbsp;<\/h3>\n\n\n\n<p>Imagine the following: you\u2019re working on a property closing, but you find out that a water company put an unrecorded lien on the property. It did not show up in the title search. Now, the new owner has to pay the dues. No one is happy.<\/p>\n\n\n\n<p>To avoid situations where liens cause trouble, you have to identify the management company for each utility, which is often difficult to get hold of. Apart from that, different departments within those utility companies are not well connected, which will create even more back and forth. It means you have to contact each of them and get written confirmation if there are any liens or not.&nbsp;<\/p>\n\n\n\n<p>Identifying and obtaining full information on any undisclosed liens can be a challenging task.&nbsp;&nbsp;<\/p>\n\n\n\n<p>To resolve any issues stemming from Municipal Liens, title, and escrow professionals might consider solutions that help them <strong>streamline Municipal Liens Searches. <\/strong>Implementing processes and solutions that <a href=\"https:\/\/www.rexera.com\/blog\/how-to-automate-hoa-documents-acquisition\/\" target=\"_blank\" rel=\"noreferrer noopener\">efficiently automate<\/a> and quickly fact-check information without unnecessary delays and complexities can significantly improve the experience for both real estate professionals and their customers.<\/p>\n\n\n\n<p>Rexera can help you with your Muni Liens.&nbsp;<\/p>\n\n\n\n<h3 id=\"htoc-utilizing-rexera-for-streamlined-solutions\">Utilizing Rexera for Streamlined Solutions<\/h3>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1800\" height=\"1069\" src=\"http:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-1800x1069.png\" alt=\"\" class=\"wp-image-39484\" srcset=\"https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-1800x1069.png 1800w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-900x534.png 900w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-768x456.png 768w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-1536x912.png 1536w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-2048x1216.png 2048w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-1700x1009.png 1700w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-200x119.png 200w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-1320x784.png 1320w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-24x14.png 24w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-36x21.png 36w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/01\/Municipal_Lines-min-48x29.png 48w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/figure>\n\n\n\n<p>Rexera specializes in services that utilize <a href=\"https:\/\/www.rexera.com\/blog\/proptech-new-normal\/\" target=\"_blank\" rel=\"noreferrer noopener\">AI technologies <\/a>and human expertise to provide you with verified information quickly.<\/p>\n\n\n\n<h3 id=\"htoc-efficient-information-retrieval\">Efficient Information Retrieval<\/h3>\n\n\n\n<p>We give you access to comprehensive and reliable data without wasting time going through multiple departments and utility management companies.<\/p>\n\n\n\n<div class=\"row\" style=\"display: flex; justify-content: center;\">\n  <div class=\"col-lg-10 offset-lg-1 col-xl-8 offset-xl-2\">\n    <div class=\"blog-cta-block block-blue\" style=\"background-image: url('http:\/\/www.rexera.com\/wp-content\/uploads\/2024\/07\/website-banner-3.png'); background-size: cover; background-position: center; text-align: center; padding: 20px;\">\n      <h2 style=\"margin: 0 auto; color: #FFFFFF;\">Looking for the most detailed lien report?<\/h2>\n      <div class=\"blog-cta-description\" style=\"margin: 10px 0; color: #FFFFFF;\">\n        Powered by nationwide expertise and the most up-to-date utility companies\u2019 database, our lien report covers taxes, codes, permits, and utilities (gas, electricity, trash, water, sewer, stormwater).\n      <\/div>\n      <div>\n        <span class=\"cta-span\">\n          <a class=\"cta-button\" href=\"https:\/\/www.rexera.com\/resource-library\/municipal-lien-search-report\/?utm_source=website&amp;utm_medium=blog-banner&amp;utm_campaign=mls-blog-banner-cta\" target=\"_blank\" style=\"display: inline-block; padding: 10px 20px; background-color: #FFA030; color: #fff; text-decoration: none; border-radius: 5px;\" rel=\"noopener\">Download now<\/a>\n        <\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n<\/div>\n\n\n\n<h3 id=\"htoc-facilitating-due-diligence\">Facilitating Due Diligence<\/h3>\n\n\n\n<p>We offer a centralized platform to access verified information related to unrecorded liens, utility obligations, and property-specific details, ultimately contributing to a transparent and efficient real estate transaction process for you and your clients.&nbsp;<\/p>\n\n\n\n<p>With Rexera Munical Liens Search, you can <a href=\"https:\/\/www.rexera.com\/products\/municipal-lien-search\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>speed up the process of closing transactions by 33%<\/strong>.&nbsp;<\/a><\/p>\n\n\n\n<h2 id=\"htoc-wrapping-up\">Wrapping up<\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" width=\"1800\" height=\"1350\" src=\"http:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-1800x1350.jpg\" alt=\"an archival retro drawers\" class=\"wp-image-39527\" srcset=\"https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-1800x1350.jpg 1800w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-900x675.jpg 900w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-768x576.jpg 768w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-1536x1152.jpg 1536w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-2048x1536.jpg 2048w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-1600x1200.jpg 1600w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-200x150.jpg 200w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-1320x990.jpg 1320w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-24x18.jpg 24w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-36x27.jpg 36w, https:\/\/www.rexera.com\/wp-content\/uploads\/2024\/02\/c-m-X_j3b4rqnlk-unsplash-48x36.jpg 48w\" sizes=\"(max-width: 1800px) 100vw, 1800px\" \/><\/figure>\n\n\n\n<p>For title and escrow officers, conducting Municipal Lien Searches stands as a critical safeguard for real estate transactions. Conducting a comprehensive search ensures that the property you\u2019re closing has no hidden debts or obligations. Lien searches act as insurance against potential risks for all parties involved. With the possibility of uncovering hidden financial burdens lurking beneath the surface, the value of a thorough Municipal Lien Search and investing resources in thorough fact-checking cannot be overstated.&nbsp;<\/p>\n\n\n\n<p>For more information or questions on municipal lien searches and how Rexera can help you streamline the process and safeguard your closings,<a href=\"https:\/\/calendly.com\/inspecthoa-sales-\/product-overview-never-deal-with-hoas-again?month=2024-01\" target=\"_blank\" rel=\"noreferrer noopener\"> contact us<\/a>.<\/p>\n\n\n\n<p>In the meantime, you can always subscribe to Rexera&#8217;s blog so you keep up-to-date with everything related to real estate strategy and <a href=\"https:\/\/www.rexera.com\/blog\/sfr-property-management-hoa\/\" target=\"_blank\" rel=\"noreferrer noopener\">HOA asset management<\/a>. <\/p>\n\n\n\n<p><\/p>\n\n\n\r\n            <div class=\"wrapper\" style=\"text-align: center\">\r\n            <a href=\"https:\/\/www.rexera.com\/blog\/#subscribe-modal\" class=\"btn custom wow fadeIn\" data-wow-delay=\".6s\">\r\n                Subscribe to blog            <\/a>\r\n        <\/div>\r\n    \r\n","protected":false},"excerpt":{"rendered":"<p>Conducting Municipal Lien Searches is a crucial aspect of many real estate transactions, often underestimated by professionals. While it may lead to additional work and unexpected issues, it provides a comprehensive overview of potential financial or legal obligations tied to the property in question.&nbsp; Municipal Lien Searches help uncover information that may not have been [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":39510,"parent":0,"menu_order":0,"comment_status":"open","ping_status":"open","template":"","format":"standard","meta":{"content-type":"","_eb_attr":""},"blog-categories":[30,26],"acf":[],"_links":{"self":[{"href":"https:\/\/www.rexera.com\/wp-json\/wp\/v2\/blog\/39508"}],"collection":[{"href":"https:\/\/www.rexera.com\/wp-json\/wp\/v2\/blog"}],"about":[{"href":"https:\/\/www.rexera.com\/wp-json\/wp\/v2\/types\/blog"}],"author":[{"embeddable":true,"href":"https:\/\/www.rexera.com\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.rexera.com\/wp-json\/wp\/v2\/comments?post=39508"}],"version-history":[{"count":14,"href":"https:\/\/www.rexera.com\/wp-json\/wp\/v2\/blog\/39508\/revisions"}],"predecessor-version":[{"id":41392,"href":"https:\/\/www.rexera.com\/wp-json\/wp\/v2\/blog\/39508\/revisions\/41392"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.rexera.com\/wp-json\/wp\/v2\/media\/39510"}],"wp:attachment":[{"href":"https:\/\/www.rexera.com\/wp-json\/wp\/v2\/media?parent=39508"}],"wp:term":[{"taxonomy":"blog-categories","embeddable":true,"href":"https:\/\/www.rexera.com\/wp-json\/wp\/v2\/blog-categories?post=39508"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}