Intellichart Automated System FAQs

An Owner & Encumbrance Search identifies the current owner of and all liens against the property.

An Owner Verification Search provides the information needed to identify the current owner of a property and obtain a full legal land description. An Owner/Mortgage Search details the current property owner and all mortgage/deeds of trust against the property.

State law grants liens for unpaid taxes to the various states, with most requiring that a public notice be filed to document the existence of a state tax lien. Most state tax liens are required to be filed only in a local office, usually the county where the property is located. Other states retain state tax lien filings at both the Secretary of State and a local office.

A UCC is the official mechanism for notifying lenders of a possible conflict in collateral interest, a UCC search conducted at the appropriate state filing office and prior to a transaction closing is critical to the due diligence process.

A Search to Reflect provides early assurance that the UCC filing will be found in the public record under the exact, true and correct debtor name. A UCC that cannot be uncovered in a search that complies with Article 9 standards puts the filing at high risk of being considered ineffective and will compromise the position of the secured party.