How to Check for Property Liens for Free

Before buying or accepting a property, it’s important to know whether it has any liens. Unpaid liens can become your responsibility after closing. Fortunately, you can check for many liens using free public records.

Start with the Recorder’s Office

Most liens are recorded with the county recorder or register of deeds. Search the grantor/grantee index for the property owner’s name. Look for deeds of trust (mortgages), tax liens, mechanics’ liens, judgments and other encumbrances. Many counties offer free index searches online.

County Clerk and Court Records

Judgment liens and lis pendens are often filed with the county clerk or court. Search the civil records database for cases involving the property owner. Some states provide statewide judgment lien searches.

Tax Offices

Check with the tax assessor and treasurer to see if property taxes are delinquent. Unpaid taxes may result in a lien or tax sale. Some municipalities also impose liens for unpaid utility bills or code enforcement fees.

Consider Title Insurance

While public records are invaluable, they may not reveal every lien. Purchasing title insurance when you buy property shifts the risk of unknown liens to the insurer.