How to find out if a property in Dayton, OH has a mortgage
A home loan in Ohio is usually secured by a mortgage, recorded with the Montgomery 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 Dayton: $49, usually within minutes, with the source of every finding.
Step by step in Dayton
- 1
Find each mortgage
Search the Montgomery 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 Dayton address and lists every finding with its source, $49, usually within minutes.
What Dayton records show
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 Montgomery County Recorder's records name most documents' lot with its municipality or subdivision, and a release cites the mortgage it releases.
A real Dayton report
We ran this search on the Montgomery County Courts Building (41 N Perry St, Dayton, OH 45402): 0 deeds, 0 open mortgages, 0 recorded liens. See the Dayton sample report.
What the report checks in Dayton
- Deeds, mortgages with their recorded amounts, releases, assignments, county tax lien certificates and other liens recorded with the Montgomery County Recorder for this parcel's lot and place
- Each mortgage's release, matched by the release's own reference to it
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 Dayton not cover?
The Recorder's electronic records begin in 1980; older documents may need an in-office search.
Is this title insurance?
No. It is a search of the public record for one Dayton property. A lender closing a loan will still require a title insurance commitment from a licensed insurer.
More about Dayton property records
- Check for liens
- Find the owner
- Search deeds
- Property taxes
- Title search cost
- Before the auction
- Dayton title search guide
Check the title of a Dayton property
AI title search, $49 per report. Usually ready in about a minute. Full refund if we can't deliver.