How to find out if a property in Cleveland, OH has a mortgage
A home loan in Ohio is usually secured by a mortgage, recorded with the Cuyahoga County Recorder; it stays a lien of record until a satisfaction or release is recorded, which Ohio law requires within 90 days after the mortgage is satisfied (Ohio Rev. Code § 5301.36). A HeritageDeed report does this for one address in Cleveland: $49, usually within minutes, with the source of every finding.
Search a Cleveland property, $49
Step by step in Cleveland
- 1
Find each mortgage
Search the Cuyahoga County Recorder 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. Ohio gives the lender 90 days after the mortgage is satisfied (Ohio Rev. Code § 5301.36).
- 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 Cleveland address and lists every finding with its source, $49, usually within minutes.
What Cleveland records show
In Ohio, deeds and mortgages are recorded with the county Recorder, and a mortgagee must record a release within ninety days after the mortgage is satisfied (R.C. 5301.36).
What the report checks in Cleveland
- Deeds, mortgages, releases and liens recorded with the Cuyahoga County Recorder, searched by the owners' names
Questions
How long does a lender have to record a satisfaction or release in Ohio?
90 days after the mortgage is satisfied (Ohio Rev. Code § 5301.36). After a further 15-day notice, $100 per day in damages plus fees.
What does a HeritageDeed search in Cleveland not cover?
Where a document cannot be tied to the property by its legal description or street address, it is marked as linked by the owner's name only.
Is this title insurance?
No. It is a search of the public record for one Cleveland property. A lender closing a loan will still require a title insurance commitment from a licensed insurer.
More about Cleveland property records
- Check for liens
- Find the owner
- Search deeds
- Property taxes
- Title search cost
- Cleveland title search guide
Check the title of a Cleveland property
AI title search, $49 per report. Usually ready in about a minute. Full refund if we can't deliver.