How to find out if a property in Troy, MI has a mortgage
A home loan in Michigan is usually secured by a mortgage, recorded with the Oakland County Clerk / Register of Deeds; it stays a lien of record until a satisfaction or release is recorded. A HeritageDeed report does this for one address in Troy: $49, usually within minutes, with the source of every finding.
Step by step in Troy
- 1
Find each mortgage
Search the Oakland County Clerk / Register of Deeds index under each owner's name for mortgages recorded since they took title.
- 2
Match the satisfaction or release
For each one, look for a recorded satisfaction or release that refers to it by document number or book and page.
- 3
Treat the unmatched as open
A mortgage with no satisfaction or release of record is still a lien until the lender records one, even when the loan was paid.
- 4
Or order the report
A HeritageDeed report runs these searches for one Troy address and lists every finding with its source, $49, usually within minutes.
What Troy records show
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 the report checks in Troy
- 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
Questions
What does a HeritageDeed search in Troy not cover?
Judgments, liens and court cases that are not indexed to the parcel are not searched.
Is this title insurance?
No. It is a search of the public record for one Troy property. A lender closing a loan will still require a title insurance commitment from a licensed insurer.
More about Troy property records
Check the title of a Troy property
AI title search, $49 per report. Usually ready in about a minute. Full refund if we can't deliver.