Mortgage in Gulf Shores, Alabama
A mortgage pledges the property as security for a loan. Recorded, it is a lien that comes ahead of later liens and stays on the title until a satisfaction or release is recorded. In Gulf Shores, mortgages are recorded with the Baldwin County Probate Judge, and a HeritageDeed title search lists them for the property.
How Gulf Shores records it
In Alabama, deeds, mortgages and their releases are recorded with the county Probate Judge. An unrecorded conveyance is void against a purchaser for value or a judgment creditor without notice (Ala. Code § 35-4-90), so the instrument counts from the time it is filed for record.
A satisfied Alabama mortgage should be released of record; a mortgage with no recorded satisfaction or release is treated as still of record.
What it means for a buyer or bidder
A recorded mortgage with no satisfaction of record is an open lien, even if the loan was paid: it has to be released or paid at a sale.
Does a title search find it in Gulf Shores?
Yes. The Gulf Shores report covers: The vesting deed, then deeds, mortgages, releases, assignments and modifications recorded with the Probate Judge; Each mortgage's recorded release or satisfaction.
Not covered: Mortgages of earlier owners are not searched under the seller's name.
More about Gulf Shores records
- Deed
- Satisfaction or release
- Assignment of mortgage
- Abstract of judgment
- Mechanic's lien
- Check for liens
- Find the owner
- Search deeds
Search a Gulf Shores property's records
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