Deed of trust in Provo, Utah
A deed of trust secures a home loan by conveying title to a trustee, who can sell the property if the borrower defaults. It is the usual loan document in this state and is recorded like a deed. In Provo, deeds of trust are recorded with the Utah County Recorder, and a HeritageDeed title search lists them for the property.
How Provo records it
The Utah County Recorder keeps an abstract (tract index) for each parcel serial number: the documents recorded against the parcel are listed together, and a reconveyance or release is tied to the deed of trust it releases.
Home loans in the Recorder's abstracts are almost all deeds of trust (trust deeds), released by a reconveyance. A secured lender that fails to release the security interest within 90 days after the final payment is liable to the owner (Utah Code 57-1-38), so a deed of trust with no release of record is still of record.
What it means for a buyer or bidder
A deed of trust stays a lien of record until a release, reconveyance or satisfaction is recorded for it.
Does a title search find it in Provo?
Yes. The Provo report covers: Every document in the Recorder's abstract for the parcel: deeds, deeds of trust with their recorded amounts, reconveyances, assignments and substitutions of trustee; Each deed of trust's reconveyance.
Not covered: Deeds of trust are attributed to the current owner from the date the owner acquired the parcel; earlier owners' loans with no release tied to them are listed separately as presumed paid at the sale.
More about Provo records
- Deed
- Satisfaction or release
- Assignment of mortgage
- Lis pendens
- UCC fixture filing
- Check for liens
- Find the owner
- Search deeds
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