Mortgage in Troy, Michigan
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 Troy, mortgages are recorded with the Oakland County Clerk / Register of Deeds, and a HeritageDeed title search lists them for the property.
How Troy records it
Deeds, mortgages, discharges, land contracts and liens are recorded with the Oakland County Register of Deeds, part of the County Clerk's office.
The Register of Deeds indexes documents to each parcel number (PIN) and cross-references a discharge to the mortgage it discharges.
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 Troy?
Yes. The Troy report covers: Every deed, mortgage, discharge, assignment, land contract and lien the Register of Deeds indexes to the parcel's PIN; Mortgages matched to discharges by the Register's cross-references; earlier owners' loans set apart.
More about Troy records
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