What Are the Different Types of Property Deeds?
A general warranty deed offers the strongest protection — the seller guarantees clear title going back through the entire history of the property. A special warranty deed limits the guarantee to only the period the seller owned the property. A quitclaim deed transfers whatever interest the grantor has without any warranty at all, commonly used between family members or to clear up title issues rather than in arm's-length sales.
How Does a Property Deed Prove Ownership?
A recorded deed creates a public record in the county land records. Anyone can search these records by parcel number or owner name. Lenders, title companies, and buyers review the chain of title — the sequence of deeds going back decades — to verify clean ownership and detect any gaps, liens, or encumbrances before a transaction closes.
What Happens to the Deed After Closing?
At closing, the deed is signed and notarized, then submitted for recording at the county office. Recording fees of $50 to $150 are typically a closing cost. After recording, the original deed is mailed to the new owner and is permanently indexed in public records. Many people find it helpful to store the deed safely along with other important home documents.
Frequently asked questions
Do I need the deed to sell my home?
Not necessarily. Your ownership is recorded in public records regardless of whether you have the physical deed. A title search will confirm ownership. However, it's good practice to keep your deed; contact your county recorder's office if you need a copy.
Can a property deed be forged or transferred fraudulently?
Yes, deed fraud exists and is a growing concern. Title insurance protects against losses from fraudulent prior transfers. Some counties now offer deed alert services that notify you by email when a document is recorded in your name — a free layer of protection worth using.