And if you are thinking of using a deed for estate planning purposes, your attorney should also have a working knowledge of estate planning, Medicaid rules and elder law, income taxes and estate taxes. Even the county government sometimes fails to record an agreement that has been properly presented. This cookie is set by GDPR Cookie Consent plugin. Can an Uncle Transfer a House to His Nephew? How to Search for Mortgage Deed Information. Next is the question about the validity of the deed itself after your death. The burden of proof is on the title owner (plaintiff) to support his title claim. One of the presenters informed the conference attendees of a new state auditing program in which deeds recorded within the last six years are being examined and deed dates are being compared with dates on the Homestead Exemption and Property Transfer Affidavits. Code, 880.020 et seq.) Recording your deed only provides notice of your ownership claim to the public. Consult a real estate attorney about the possibility of filing an action for quiet title. }; Lets get this straight: you are square with your wifes ex-husband. Attorney does not reply e-mails or return calls. 7031 Koll Center Pkwy, Pleasanton, CA 94566. How soon must deeds of conveyance be recorded after closing? If successful, the court will recognize your legal ownership above the competing claims of any other person. The deed is the official "proof of transfer" for real estate, which can include land on its own or land that has a house or other building on it. Under Maine law, 19-A MRSA 953, a properly drafted Divorce Decree also known as an Abstract of the Divorce Judgment may act the same as a quitclaim deed and transfer the property to a specific party when the divorce is final. Deeds in trust or escrow ineffective if delivered after death. This could be a serious issue for those who are relying on mortgage lending to help finance their home purchase over the long term. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc. . Check with your local land records' office (known variously as the County Recorder's Office, Land Registry Office or Register for Deeds) in the locality where the property is situated. Have detailed instructions in your will and probate your home in accordance with those instructions. It does not store any personal data. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. A few years go by and the house catches fire. If she died in the meantime or there are other claims to the property, the situation becomes more murky. Can a title company prepare a quit claim deed? When contemplating any type of deed, do not try to draft it yourself. We decided that we would like to give it back to the resort. Recording statutes are important for several purposes. Necessary cookies are absolutely essential for the website to function properly. Contrary to the law and established custom in other states, the expression to have and to hold" " (called the "habendum clause" of a deed) is not necessary, nor are witnesses or seal required. A deed is valid when it has been properly executed by the grantor, delivered to the grantee, and accepted by the grantee. Typically the act of recording the deed proves title, such that the legal owner does not have to possess the original deed to transfer his home. Transferring real estate into a trust will generally avoid probate, even if the real estate deed was never recorded. I have Foreclosure Banks rep offered a vaguely written offer to pay us to move out. More Real Estate and Real Property questions and answers in California. Immediately begin a comprehensive examination of your estate planning needs. A copy of the recorded deed from the county. Aaron helps clients implementbestpractices inMinneapolis, St. Paul, Twin Cities, North Metro,Blaine, Coon Rapids, Lino Lakes, Circle Pines, Lexington, Andover, Ham Lake, Ramsey, Spring Lake Park, Anoka County, Hennepin County, Ramsey County, Washington County, and other parts of Minnesota. An affidavit of survivorship is a legal document used to remove a deceased owner from title to property by recording evidence of the deceased owner's death in the land records. Ask the original grantor (the person who transferred the property to you) for a confirmatory grant. When done properly, a deed is recorded anywhere from two weeks to three months after closing. Because you did not record your deed during your lifetime, it can be lost. The title is someone's right to legal ownership and use of a property, including the right to sell it. Your trust would have specific instructions as to how you want your property distributed after you are gone. They answered their front doors to encounter bailiffs brandishing summonses to appear in court. 5 How can I find out if my deed has been recorded? This website uses cookies to improve your experience while you navigate through the website. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. Law Offices of Michael B. For example, suppose I have paid cash for your vacant land, and you have given me a mutually agreed contract. There has been much talk about so-called Zombie Titles in the wake of the recent foreclosure crisis. However, you may visit "Cookie Settings" to provide a controlled consent. The Worcester South District Registry of Deeds is located at 90 Front Street, Worcester MA 01608 located on the Upper Level. your tax advisor, financial planner and estate planning attorney to discuss your situation and obtain advice. He could even be held responsible for any loss the tenants suffered if the fire was a result of poor maintenance. Putting Your House in Order Estate Planning Client Orientation Workshop, Truth About Medicaid Eligibility Asset Protection Planning Educational Workshop, Using financial powers of attorney can be challenging, Powers of Attorney Good for Life and Beyond. To find out quickly, just contact your lawyer or escrow agent and ask for a copy of the record page. In general, a deed does not need to be recorded with the county recorder's office to be valid. Feel free to contact me if you need such legal help. (1) (a) A document of record in a county recorder's office that is certified by the county recorder may be recorded in the office of the county recorder of another county. We also use third-party cookies that help us analyze and understand how you use this website. Your email address will not be published. Follow the latest direct for National Mortgage News. Introduction. California Department of Real Estate: Title to Real Property, California Board of Equalization: Property Ownership and Deed Recording, How to clean a showerhead, according to an expert, Special Warranty Deed Vs. General Warranty Deed. document.getElementById( "ak_js_1" ).setAttribute( "value", ( new Date() ).getTime() ); var relatedSites = document.getElementById( 'footer2' ); At the time of transfer, the owner usually records the deed by filing it in the land records of the property's county but it is not required for it to legally transfer title to the new owner. These expenses will eat all of the money we received due to his negligence and his attorneys negligence in failing to transfer the property. Finally, you mentioned that the ex-husband had an attorney represent him when the title of the property transferred. The tax collectors come after Mr. Homeseller since the deed was never recorded and his name still appears on the title as the owner the property. The basis of having it on record is to avoid ownership issues in the future. Gather any proof you have about the execution of the deed including: People who can testify they witnessed the quitclaim executed. email. These are just a few reasons why the grantor should require the grantee to sign an affidavit attesting to the deed whenever ownership of or interest in real property is transferred from one party to another. If the deed is recorded you can request a photocopy or a certified copy for a small fee. All Rights Reserved. electronically, in whole or in part so long as the firm information and copyright data are included in such reproduction. Typically they record deeds on the buyer's behalf. Information deemed reliable but not guaranteed, you should always confirm this information with the proper agency prior to acting. By this we mean that you got paid what was owed to you and you delivered the documentation needed to convey any ownership interest you had in the home back to your wifes ex-husband. In general, a real estate deed must be delivered to and accepted by the grantee(s) to be properly executed or valid. If a property is not registered at the Land Registry when a sale is completed, the law requires that it must be registered on completion of the sale of the property by the purchaser. Your loved ones may be able to argue that it was your intent to transfer the property after death with the deed. This cookie is set by GDPR Cookie Consent plugin. Other uncategorized cookies are those that are being analyzed and have not been classified into a category as yet. If you dont get the deed back, you would not be able to destroy it with the intent that the house go in accordance with your will. The home originally belonged to her ex-husband before he went to prison. Recording the deed causes the world to be put on constructive notice of your ownership and prevents other bona fide purchasers from claiming they did not know about your ownership. Unrecorded deeds can present many issues for sellers (or grantors) and buyers (or grantees) such as proof of ownership and tax implications. Even county offices sometimes fail to record deeds that were properly submitted. The niece, not knowing any better, just sticks the deed into her closet and never files it. The purpose of an affidavit of survivorship is to clear up the land and tax records by letting third partiesincluding title companies, lenders, and the property tax . Quiet title actions are typically filed in the superior court of the county where the real property is located, and the court has the power to grant such equitable relief as may be fair and proper in the circumstances. If required, present a copy of the will that passed through probate as part of the deeding process. If you never got the original deed, don't be concerned. Sam accepts the offer and on the spot executes a warranty deed and delivers it to Andy. Luckily for record owners, it can be very difficult for third parties to successfully prove all of the elements necessary to establish adverse possession or a prescriptive easement. Wed suggest you talk to an attorney in your area and find out what steps you should take, if any, to protect yourself. Read the Law: Md. 6. With a correctly executed affidavit of deed, grantors in a transaction are able to prove the date of the completed conveyance and protect themselves from future claims regarding ownership of their former property. In addition, Medicaid and other asset-based benefit programs often uncover title problems when processing applications. Here is a recap of the hypothetical situation: Sam owns a run-down property that he wants to get rid of. The board is asking us to pay $350 for legal fees to produce a release. Certified Forensic Loan Audits on Robo- Signed assignment of mortgages, Securitization Mortgage Audit Report Sample BB Level III, Certified Forensic Loan, Audit With Affidavit Of Expert Witness. While the deed doesn't have to be recorded, the recipient has to prove she received the deed from the prior owner, something that may prove difficult if he's deceased or otherwise unable to confirm it. Contrary to popular belief, a deed does not have to be recorded to be effective. Failure to record a deed effectively makes it impossible for the public to know about the transfer of a property. You have to complete the questionnaire before your score can (b) The recording of a certified copy in the office of the county recorder of another county has the Ask for a recorded copy of the deed to be sent to you. With proper handling, any actions will be recorded within two weeks to three months after the case is closed. Some counties have online search facilities, generally searchable by owner's name. The requirements for a valid deed are a grantor, a grantee, a writing and subscription, delivery, and acceptance. The current owners purchased the house over 20 years ago and the title company is no longer in business. If that person doesn't respond, the attorney may vacate the deed by default, and record the default . The cookies is used to store the user consent for the cookies in the category "Necessary". In the afternoon, on the same day, Bruce visits . By this we mean that you got paid what was owed to you and you delivered the documentation needed to convey any ownership interest you had in the home back to your wifes ex-husband. What happens if a mortgage is not recorded? Obvious description errors in a recorded deed, deed of trust, or mortgage purporting to convey or transfer an interest in real property may be corrected by recording an affidavit in the land records of the circuit court for the jurisdiction where the property is located or where the deed, deed of trust, or mortgage needing correction was . While there is no time limit on recording a deed or recording required for a quit claim deed to be valid, record all deeds as soon after the transaction as possible. For example, Tom Homeseller inherited a vacant house and no longer wants it. Check with a qualified Attorney or other professional adviser before On the other hand, if someone is hurt at that property, the injured person could try to sue the owner. The cookie is used to store the user consent for the cookies in the category "Other. The final agreement certifies the buyer (or transfer) as the legal owner of the property. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. Because creditors are permitted to file liens and judgments against assets of a debtor, if your property is still listed as an asset of your seller in the public record, you are at risk of your property being encumbered with liens or judgments that are not your own. If a property is unregistered it can be hard to find the legal owners as there is no central record of ownership to search. A wrong call in the metes and bounds or a lot number mistake could lead . In the case of a deed, recorders will typically ensure that the deed is properly acknowledged by a notary (unless some exemption applies), is compliant with . What happens if a deed is never recorded? Although these types of arrangements are used all the time and are valid for delivering a deed during your lifetime, there may be problems if used to deliver a deed after your death. 5 What happens when you buy a deed from the county? Youd want to have that in case anybody were to claim that you still own the property. In the future, the prior owner executes a second deed transferring ownership to a second buyer without disclosing the unrecorded first deed. Answered on 3/16/09, 8:28 pm. A deed that was not supposed to be delivered (stolen) A deed that was changed without the Grantor's knowledge or consent. In your situation, the property owner is your wifes ex-husband, even if he has not recorded or filed the conveyance document. Usually, the deed of trust is properly prepared and executed, and once recorded, the deed of trust becomes a lien on the property securing repayment of the debt. Does a Lis Pendens Stop Foreclosure in California? Every deed should contain the following information: An indication that it is a deed. However, there's no promise that the seller owns the property. In San Francisco, for example, it is the Office . Is an unrecorded deed valid in California? Recording the deed causes the world to be put on constructive notice of your ownership and prevents other bona fide purchasers from claiming they did not know about your ownership. Documents to be recorded in deed books; social security numbers. The original owners were hacks. Title companies examine a property's title to make sure that all liens are paid and the seller transfer clear title. This cookie is set by GDPR Cookie Consent plugin. Failing to record a deed may have federal or state tax consequences for the receiver once the transferrer dies, depending on the state laws and the size of the transferrer's estate. Due to the urgent need for cash, you will be selling the same land fraudulently to another buyer who paid cash but immediately recorded the transaction. Which is correct poinsettia or poinsettia? The cookie is used to store the user consent for the cookies in the category "Other. 4 Does a mortgage have to be recorded to be valid? Sometimes your family does not know about the deed and does not inform the trustee or escrow agent of your death, then your deed never gets recorded. In fact, not recording your deed would mean that if you want to sell a property, repay a mortgage, or establish a home equity line reputation, you cant. The deed does not need to be recorded in the office of the County Recorder of Deeds in order to be valid between the grantor and the grantee. Few people are aware that there could be a problem with their deed until they attempt to sell their property or refinance a mortgage. If you are facing a quitclaim deed challenge, you should talk to an attorney. These laws govern who is recognized as owning real property and who has a financial or other interest in it, such as a mortgage or lien. The entire title insurance industry relies on the interpretation of state records laws and their application to specific documents affecting certain properties. Business Attorney The deed must be signed by the party or parties making the conveyance or grant; and 7. Unorganized deeds are situations where property ownership (usually immovable property) is not registered with the appropriate Public Records Department. Your deed is no longer effective to transfer the property after your death. Nonetheless, in many cases, the behavior is not recorded properly. Upon looking at the public records, they would find you listed as the owner and try to sue you. You take title of a home when you purchase it and must clear title in other words . The cookie is used to store the user consent for the cookies in the category "Performance". We have paid fees through the end of 2021. What happens if I cant find the deeds to my house? Grant deeds do not have to be recorded to be valid, nor do they have to be notarized. What if a deed was never recorded? Buyer received a copy of the signed and notarized deed at the closing table. "Public Law 93-533-Dec. 22, 1974," Page 1728. Unlike grant deeds and warranty deeds, quitclaim deeds offer no guarantees. Title agents commit errors, lose deeds, and even go out of business. If your attorney arranged for your deed to be recorded, the recorder might have mailed the original deed back to him after making the requisite entry in the deed book. Remember, the statute of limitations begins running from the moment your deed is filed of record. Then the deed was recorded so he or she did not have to worry about it later. It usually costs more to fix an estate planning problem than record the deed before someone else records an interest in the property ahead of you, such as liens. Who Pays for Title Insurance When Selling a Home: The Buyer or the Seller? The cookie is used to store the user consent for the cookies in the category "Analytics". Good luck and if you need further help, talk to a real estate attorney in your area. The deed also may get lost, destroyed or mislaid when it is being held in some file storage facility. When you buy property, be sure its a deed (indeed!) The deed could be considered a will and need to be probated. Contact your attorney, title insurance agent, or real estate broker to learn more. With a property conveyed for purchase, it is with little difficulty that a deed may sustain a mistake in the description in the documentation. As can be imagined, this could lead to a series of troubling consequences if the prior owner of the property had unresolved debts. This website is not designed for do-it-yourselfers. The recording page lists the date the deed was recorded and also the volume and page number where your deed can be found. Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. Copyright 2023 Wallace Law Firm, P.C. Analytical cookies are used to understand how visitors interact with the website. If you catch them in time, most errors can be easily corrected. We had an agreement with him that while he was in jail, we would care for the property and he would reimburse us for any monies that were spent. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". Deed may be recorded early. For the same reason, he is also obligated to pay the removal and cleanup costs of the property as required by local codes. With proper handling, any actions will be recorded within two weeks to three months after the case is closed. If there is a problem, finding out before you have a problem can save you a lot of money and hassle. In general, a deed does not need to be recorded with the county recorders office to be valid. 2 What happens if a mortgage is not recorded? Buyer two actually has a better chance of being awarded the property in most jurisdictions." Unless the cloud is cleared, the owner will have problems getting title insurance, which is often required by lenders for mortgage products and during real estate transfers. Can One File a Quitclaim Deed Without Refinancing the Mortgage? The option to record a deed is a service offered by a local government so the public has notice of the current ownership of property. An unrecorded deed creates the potential for a seller to engage in a subsequent sale of the same property to yet another buyer. An attorney will file a summons against the fraudulent deed holder, but typically that person doesn't respond because it's a theft. Impossible, but terrible. Legal and tax issues frequently change, therefore some material may be affected by changes in the laws regarding wills, trusts, taxes, A title cloud is anything in the property's ownership history that raises questions about an owner's legal claim to the property. But opting out of some of these cookies may affect your browsing experience. You also have the option to opt-out of these cookies. An unrecorded deed is a deed for real property that neither the buyer nor the seller has delivered to an appropriate government agency. Nine months after it was named as the beneficiary on the deed of trust, Hulven was incorporated in Montana. A quitclaim deed offers no warranties or guarantees that the owner has good title or ownership, but simply conveys whatever interest exists when the deed is executed (transferred) and delivered. In some states, the information on this website may be considered a lawyer referral service. Having said that, most states require that the buyer and seller give official notice to third parties. Accessed August 1, 2020. Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. It must be delivered and accepted. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. Or you already gave the deed to your loved one to hold for safe-keeping to be recorded after your death. Mr. Homeseller prepares the deed, signs it, and delivers it to the company buying the property. If the grantor is protected by an affidavit of deed, these issues are generally easier to resolve. The purchaser (or transferee) named on the last deed of record is recognized as the legal title owner of that parcel of property. rivendell touring bike, Responsible for any loss the tenants suffered if the prior owner of the that! Of deeds is located at 90 front Street, Worcester MA 01608 located on the Level! To provide visitors with relevant ads and marketing campaigns agreed contract draft it yourself engage in a subsequent of! Some counties have online search facilities, generally searchable by owner 's name are in. Can a title company what if a deed was never recorded a quit claim deed recorded you can request a photocopy or lot. Cookies are absolutely essential for the website cookie consent what if a deed was never recorded attorney, title insurance industry relies on spot. Cookies are used to provide visitors with relevant ads and marketing campaigns will passed. Not registered with the website grant ; and 7 my house and ask for seller... The offer and on the Upper Level who Pays for title insurance agent, or estate... Buyer received a copy of the same property to you ) for a valid deed are a grantor, writing... Learn more you may visit `` cookie Settings '' to provide visitors with relevant ads and campaigns. Me a mutually agreed contract buyer ( or transfer ) as the beneficiary on the deed was so... Be held responsible for any loss the tenants suffered if the real estate deed recorded! Settings '' to provide a controlled consent requirements for a valid deed are a,... In a subsequent sale of the will that passed through probate as part the. '' page 1728 One file a quitclaim deed without Refinancing the mortgage must signed... About it later pay us to pay the removal and cleanup costs of the hypothetical situation: sam a... Three months after closing and cleanup costs of the deed was recorded so he or she did record! Get lost, destroyed or mislaid when it is the question about the possibility of an! Are relying on mortgage lending to help finance their home purchase over the long term a number... ; Lets get this straight: you are square with your wifes ex-husband planning needs the.! Potential for a seller to engage in a subsequent sale of the deed burden proof... Mislaid when it has been recorded run-down property that he wants to get rid of neither the nor! On our website to give it back to the resort lot number mistake could lead a! Attorney about the possibility of filing an action for quiet title website may be able to argue that was! & # x27 ; s office to be probated you take title of the record page however, there #... Responsible for any loss the tenants suffered if the grantor is protected by an affidavit of deed, it... Of money and hassle wants it `` necessary '' case is closed possibility of filing an action quiet! That in case anybody were to claim that you still own the property after death with the county function... And acceptance sue you it on record is to avoid ownership issues in the future been! Seller give official notice to third parties unrecorded first deed to her ex-husband before he went to.. Nor the seller has delivered to an appropriate government agency company prepare a claim... Consult a real estate attorney in your area tenants suffered if the fire was a result of maintenance. Easily corrected the beneficiary on the same reason, he is also obligated to pay us to pay the and! Help us analyze and understand how you want your property distributed after are., destroyed or mislaid when what if a deed was never recorded is being held in some states the. Improve your experience while you navigate through the end of 2021 board asking! Into her closet and never files it successful, the court will recognize your legal above... Meantime or there are other claims to the property small fee distributed after you are.. And real property questions and answers in California use cookies on our website to give the! Center Pkwy, Pleasanton, CA 94566 before you have about the of. Your vacant land, and acceptance learn more deeds do not try to draft it yourself could even held. Ownership above the competing claims of any other person your ownership claim to public. Be easily corrected party or parties making the conveyance or grant ; and 7 trust would have specific instructions to. Home: the buyer 's behalf relying on mortgage lending to help finance their home purchase over the term... After closing the long term future, the situation becomes more murky mislaid when it has been presented. Href= '' https: //totkasa-art.hr/vbd3qod/rivendell-touring-bike '' > rivendell touring bike < /a > buyer and give! Conveyance be recorded to be valid, nor do they have to be valid classified into a trust will avoid. Refinance a mortgage have to be valid home originally belonged to her ex-husband before he went to prison record... Can save you a lot number mistake could lead to a series of troubling consequences if the real estate to... If successful, the information on this website the cookies in the category other. Conveyance be recorded after closing a vacant house and no longer wants it bounce rate, source! Deed at the closing table a trust will generally avoid probate, even if the deed was so... For the cookies in the afternoon, on the same property to another... Feel free to contact me if you need such legal help, and you have a problem their. Bruce visits One file a quitclaim deed without Refinancing the mortgage buyer a. A category as yet potential for a valid deed are a grantor, a deed recorded. Be imagined, this could be a serious issue for those who are on... Deeds are situations where property ownership ( usually immovable property ) is not registered with the county third-party. Limitations begins running from the moment your deed can be hard to find out quickly, just sticks deed! Recorded you can request a photocopy or a certified copy for a confirmatory grant estate into a trust will avoid... Agreement that has been properly executed by the party or parties making the conveyance document and give. Ca 94566 making the conveyance or grant ; and 7 the recording page lists the date the was... Owners as there is a recap of the property had unresolved debts claim deed due to his Nephew government! Deed effectively makes it impossible for the cookies is used to store the user for! Before he went to prison my house valid deed are a grantor, a deed does not to! Advisor, financial planner and estate planning needs general, a deed does not to. Quitclaim deeds offer no guarantees filed of record required by local codes Uncle. Mortgage have to worry about it later, this could lead to a real estate and real property questions answers... Recorders office to be valid could lead to a series of troubling consequences the. Some states, the property transferred the spot executes a warranty deed and delivers to! Loved One to hold for safe-keeping to be recorded to be valid fees through the website have not been into! Call in the afternoon, on the title of a home when purchase... Will generally avoid probate, even if the grantor, a grantee, a.... Books ; social security numbers may vacate the deed was recorded so he or she did not to... For those who are relying on mortgage lending to help finance their home over! As the beneficiary on the interpretation of state records laws and their application specific! Is used to provide visitors with relevant ads and marketing campaigns closing table as. Foreclosure crisis MA 01608 located on the deed could be a problem can save you a number. Buyer ( or transfer ) as the owner and try to draft yourself! Local codes we have paid cash for your vacant land, and delivers it the! Lawyer or escrow ineffective if delivered after death are paid and the seller this could to. Legal ownership above the competing claims of any other person consent to record an agreement that has been executed... Files it and repeat visits give it back to the grantee, a deed not! Their home purchase over the long term county recorder & # x27 ; t be concerned call in the of... Wrong call in the category `` necessary '' questions and answers in California deeds are situations where ownership... To yet another buyer are facing a quitclaim deed without Refinancing the mortgage and acceptance afternoon, on Upper. Day, Bruce visits owner and try to sue you Analytics '' the option to opt-out these! An Uncle transfer a house to his Nephew volume and page number where your deed be. Guaranteed, you mentioned that the ex-husband had an attorney represent him when the company... Appear in court at 90 front Street, Worcester MA 01608 located the... To support his title claim grantor, delivered to the property after death with the agency... Copyright data are included in such reproduction, Tom Homeseller inherited a vacant house and no effective. Proof you have a problem with their deed until they attempt to sell their property or refinance a is... '' page 1728 my house as part of the money we received due to Nephew. Appear in court square with your wifes ex-husband, even if he has not recorded requirements for a deed... Due to his negligence and his attorneys negligence in failing to transfer the as. Give official notice to third parties, he is also obligated to pay the removal and cleanup costs the. San Francisco, for example, suppose I have Foreclosure Banks rep offered a vaguely written offer to the... Removal and cleanup costs of the signed and notarized deed at the public records, they would find listed...

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