DeedWatch

DeedWatch guides

How to check your own deed — the self-check routine

Your property's record is public, and in most counties it is searchable online, free, in minutes. The deed self-check — pulling your own record, reading it, and confirming nothing has changed — is the one protection that works everywhere: in counties with a great alert system, as a second layer; and in counties with no alert at all, as the whole defense. Here is how to do it properly.

Step 1 — Find the right office's search

Land records live with the county office that records documents. Its name varies by state: the Recorder of Deeds, the County Recorder, the Register of Deeds, the Clerk of the Circuit Court (Florida, Virginia), the Clerk of Superior Court (Georgia), the County Clerk (Texas, New Jersey), or — in Connecticut, Rhode Island, and Vermont — your town or city clerk. Massachusetts owners use their Registry of Deeds district. Start from your county government's official website, never from a sponsored search result or a records site that asks for a credit card to “view your deed” — official index searches are free (copies of document images sometimes carry a small per-page fee, and certified copies cost more; the search should not).

Gather three things before you search: your name exactly as it appears on your deed, your parcel number (APN/PIN — it is on your property tax bill), and your property address.

Step 2 — Search by name, then by parcel

  1. Name search. Search your last name and first name as grantor and as grantee. Grantor results show documents where you transferred or encumbered; grantee results show documents where you received. Repeat for your spouse's name and, if applicable, your trust's name.
  2. Parcel search. If the system offers it, search the parcel number. This catches documents indexed under a name variation you didn't think of — the exact gap that defeats name alerts.
  3. Read the list like an auditor. You are looking at every recorded document touching your ownership. You should recognize all of them: your purchase deed, your mortgage and its satisfaction if paid off, easements, your refinance, any estate documents.

What a clean record looks like — and the red flags

CleanRed flag
Every document is one you signed, authorized, or were notified ofA deed transferring the property to a person or company you don't know
Mortgages match loans you actually haveA mortgage or home-equity line you never opened
Your name is spelled the way your deed spells itA document in a near-miss version of your name (a classic forgery tell)
Notaries are from your state and your transactionsA quitclaim deed “signed” by you in a state you've never visited
Recent activity matches your life (refinance, payoff)A lis pendens, judgment lien, or tax lien you know nothing about

Swipe sideways to see the whole table →

Save or print the results page with the date on it. That dated snapshot is your baseline — next year's check compares against it. If you find a red flag, do not sit on it: the first-steps sequence (recorder, police report, lender, title insurer) applies exactly the same way.

The annual routine

And if your county offers the free alert and you haven't enrolled, do that first — the self-check is the backstop, not the front line. Check your county now.

The routine, written out for your county

The Setup Kit's self-check module covers the search patterns county systems actually use (name, parcel, book/page), the clean-vs-fraud reading guide, the annual log, and the county-specific starting points from this directory — plus enrollment walkthroughs and the 72-hour playbook. $39 once.

Get the Setup Kit — $39, one-time