How to find out if a property in Provo, UT has a deed of trust
A home loan in Utah is usually secured by a deed of trust, recorded with the Utah County Recorder; it stays a lien of record until a reconveyance is recorded. A HeritageDeed report does this for one address in Provo: $49, usually within minutes, with the source of every finding.
Step by step in Provo
- 1
Find each deed of trust
Search the Utah County Recorder index under each owner's name for deeds of trust recorded since they took title.
- 2
Match the reconveyance
For each one, look for a recorded reconveyance that refers to it by document number or book and page.
- 3
Treat the unmatched as open
A deed of trust with no reconveyance 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 Provo address and lists every finding with its source, $49, usually within minutes.
What Provo records show
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.
A real Provo report
We ran this search on the Utah County Historic Courthouse (51 S University Ave, Provo, UT 84601): 1 deed, 0 open deeds of trust, 0 recorded liens. See the Provo sample report.
What the report checks in Provo
- 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 here
- 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.
Questions
What does a HeritageDeed search in Provo not cover?
Judgments and liens recorded under a person's name with no legal description are entered in the Recorder's judgment index, not the parcel abstract, and are not searched.
Is this title insurance?
No. It is a search of the public record for one Provo property. A lender closing a loan will still require a title insurance commitment from a licensed insurer.
More about Provo property records
Check the title of a Provo property
AI title search, $49 per report. Usually ready in about a minute. Full refund if we can't deliver.