How to find out if a property in Columbus, OH has a mortgage
A home loan in Ohio is usually secured by a mortgage, recorded with the Franklin 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 Columbus: $49, usually within minutes, with the source of every finding.
Search a Columbus property, $49
Step by step in Columbus
- 1
Find each mortgage
Search the Franklin 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 Columbus address and lists every finding with its source, $49, usually within minutes.
What Columbus 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 Columbus
- Deeds, mortgages, releases and liens recorded with the Franklin 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 Columbus 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 Columbus property. A lender closing a loan will still require a title insurance commitment from a licensed insurer.
More about Columbus property records
Check the title of a Columbus property
AI title search, $49 per report. Usually ready in about a minute. Full refund if we can't deliver.