Two Owner Search
A Two Owner Search traces the chain of title back to the deed that conveyed the subject property to the prior owner, thereby examining two consecutive ownership spans to identify conveyances, open liens, and encumbrances affecting either owner.
Common Transaction Uses
- First-lien residential mortgage refinancing
- Standard residential home equity loan originations
- Title insurance underwriting under two-owner statutory guidelines
- Loss mitigation, loan modifications, and private lender underwriting
Public Records & Filings Examined
- Two consecutive recorded deeds of conveyance establishing ownership chain
- Mortgages and deeds of trust recorded during both ownership periods
- Full reconveyances, releases, and satisfactions of prior mortgages
- Judgment rolls and civil filings against both current and prior owners
- Federal and state tax liens against both parties during ownership
- Ad valorem real estate tax assessment and collection records
- Covenants, easements, and plat recording references if shown on deeds
Information Required to Request
- Property street address, city, county, and state
- Assessor's Parcel Identification Number (APN)
- Current and prior owner names (if available in prior closing files)
Examination Considerations
Two Owner Searches provide a deeper historical buffer than a single-owner search by verifying that the deed into the current owner was executed by the legitimate prior owner of record without unreleased prior liens.
Frequently Asked Questions about Two Owner Search
Why do lenders require a Two Owner Search instead of a One Owner Search?
Lenders require a Two Owner Search to confirm that the transfer into the current owner was an arm's-length deed of record and that no unsatisfied mortgages from the previous owner remain attached to the real estate.
Does a Two Owner Search include tax and judgment records?
Yes. Judgment dockets and tax lien rolls are checked for both the current owner and the preceding owner during their respective ownership terms, alongside full property tax status.
Related Title Research Services
Order a Two Owner Search
Submit your order identifiers through our contact form. Our intake team confirms receipt and initiates registry examination promptly.