Mortgage in Cincinnati, Ohio
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 Cincinnati, mortgages are recorded with the Hamilton County Recorder, and a HeritageDeed title search lists them for the property.
How Cincinnati records it
A mortgage takes effect when it is delivered to the recorder for record, and the first mortgage recorded has preference (R.C. 5301.23).
Within ninety days after a mortgage is satisfied, the mortgagee must record a release of it with the county recorder (R.C. 5301.36), so a mortgage with no recorded release is still of record.
The Hamilton County Recorder links many documents to the Auditor's parcel number and cross-references a mortgage and the release recorded for it.
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 Cincinnati?
Yes. The Cincinnati report covers: Deeds, mortgages, releases and assignments recorded with the Hamilton County Recorder against the parcel; Each mortgage's cross-referenced release.
Not covered: The Recorder's electronic records begin in 1988 and parcel links begin in 2003; an older deed or mortgage may need an in-office search.
More about Cincinnati records
- Deed
- Satisfaction or release
- Assignment of mortgage
- Abstract of judgment
- Mechanic's lien
- Check for liens
- Find the owner
- Search deeds
Search a Cincinnati property's records
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