How to find out if a property in Madison County, NC has a deed of trust
A home loan in North Carolina is usually secured by a deed of trust, recorded with the Madison County Register of Deeds; it stays a lien of record until a satisfaction is recorded, which North Carolina law requires within 30 days after the creditor receives full payment (N.C. Gen. Stat. § 45-36.9). A HeritageDeed report does this for one address in Madison County: $49, usually within minutes, with the source of every finding.
About Madison County: The county seat of Madison County is Marshall. Madison County borders Buncombe, Haywood and Yancey counties, and across the state line Cocke County, TN, Greene County, TN and Unicoi County, TN. Madison County has about 11,356 housing units, 77.5% of the occupied ones owner-occupied.
Search a Madison County property, $49
Step by step in Madison County
- 1
Find each deed of trust
Search the Madison County Register of Deeds index under each owner's name for deeds of trust recorded since they took title.
- 2
Match the satisfaction
For each one, look for a recorded satisfaction that refers to it by document number or book and page. North Carolina gives the lender 30 days after the creditor receives full payment (N.C. Gen. Stat. § 45-36.9).
- 3
Treat the unmatched as open
A deed of trust with no satisfaction 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 Madison County address and lists every finding with its source, $49, usually within minutes.
What Madison County records show
A North Carolina home loan is secured by a deed of trust. The lender must submit a satisfaction for recording within 30 days after payoff (G.S. 45-36.9), so a loan with no recorded satisfaction is still a lien of record.
What the report checks in Madison County
- Deeds, deeds of trust, satisfactions, assignments, plats and other documents indexed under the owner's name with the Register of Deeds
- Each deed of trust matched to its satisfaction where the index cross-references them
Questions
How long does a lender have to record a satisfaction in North Carolina?
30 days after the creditor receives full payment (N.C. Gen. Stat. § 45-36.9). Statutory duty to submit the satisfaction for recording.
What does a HeritageDeed search in Madison County not cover?
The Register's index is searched by the owner's name; documents are tied to the property by their description, and any tied only by the name are marked.
Is this title insurance?
No. It is a search of the public record for one Madison County property. A lender closing a loan will still require a title insurance commitment from a licensed insurer.
More about Madison County property records
- Check for liens
- Find the owner
- Search deeds
- Property taxes
- Title search cost
- Madison County title search guide
Check the title of a Madison County property
AI title search, $49 per report. Usually ready in about a minute. Full refund if we can't deliver.