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[ Follow Ups ] [ Post Followup ] [ The Forum Board ] [ FAQ ] Title Searching for Newbies Posted by SeanW on April 14, 2003 at 9:12 AM >Hey, what about the questions you?re supposed to ask that >helpful title gal. I?d like to know her answers. I'm still holding some goodwill in reserve until I have grasped the computer terminals on my own. (Was there again this morning and I'm making headway.) But she and a friend said I could observe their work and I intend to do that. Actually, most of the abstractors in the recorder's office have been helpful with little questions. Title searching is unglamourous stuff, and I doubt they get asked much about it. But I think I can answer your third question already: >#3. ?Compared to a title company?s title information, which >system is the most thorough and thus more reliable, the title >company?s or the county recorder?s record?? ?Why?? Answer: The recorder's office is more accurate, (paradoxically), because the documents are keyed by humans, and they make MISTAKES! For example, accidently swap the map book number with the plot number, and you'll throw a legal description into la-la land. I suspect people also do things like record "Deed" under "Dedication"-- or "Converyance" under "Confirmation"-- once in a while. People get tired, and just mis-click things doing data entry. When these kinds of mistakes make it into database, you have to deal with garbage-in garbage-out problems. You can't be sure a computer will match it all up problerly, because a computer can't second-guess what a human should have done. That's the difference between a "Preliminary Title Search" and the real thing, right? The preliminary is just the title insurance quickie report that matched up all the *properly* recorded documents. But they'd still send an abstractor to the recorder's office, when actually underwriting a policy... to make extra sure to cover their butt. Since the recorder's records are crossindexed by grantor and grantee, you also have other ways to slice through the data. If you're looking for "Mike Sherman", your brain should be tipped off at the sight of anything else recorded that date under "Michael Sherman" or "Mickey Sherman" or "Mike V Sherman". These could be the same person. Follow Ups: Title Searching 101 Ward-CA- 11:36 AM, 04/14/03 (0) Post a Followup: Name : E-Mail : Subject : Comments: : >Hey, what about the questions you?re supposed to ask that : >helpful title gal. I?d like to know her answers. : I'm still holding some goodwill in reserve until I have grasped the computer terminals on my own. (Was there again this morning and I'm making headway.) But she and a friend said I could observe their work and I intend to do that. : Actually, most of the abstractors in the recorder's office have been helpful with little questions. Title searching is unglamourous stuff, and I doubt they get asked much about it. : But I think I can answer your third question already: : >#3. ?Compared to a title company?s title information, which : >system is the most thorough and thus more reliable, the title : >company?s or the county recorder?s record?? ?Why?? : Answer: : The recorder's office is more accurate, (paradoxically), because the documents are keyed by humans, and they make MISTAKES! For example, accidently swap the map book number with the plot number, and you'll throw a legal description into la-la land. : I suspect people also do things like record "Deed" under "Dedication"-- or "Converyance" under "Confirmation"-- once in a while. People get tired, and just mis-click things doing data entry. : When these kinds of mistakes make it into database, you have to deal with garbage-in garbage-out problems. You can't be sure a computer will match it all up problerly, because a computer can't second-guess what a human should have done. : That's the difference between a "Preliminary Title Search" and the real thing, right? The preliminary is just the title insurance quickie report that matched up all the *properly* recorded documents. But they'd still send an abstractor to the recorder's office, when actually underwriting a policy... to make extra sure to cover their butt. : Since the recorder's records are crossindexed by grantor and grantee, you also have other ways to slice through the data. If you're looking for "Mike Sherman", your brain should be tipped off at the sight of anything else recorded that date under "Michael Sherman" or "Mickey Sherman" or "Mike V Sherman". These could be the same person. : Optional Link URL: Link Title: Optional Image URL: [ Follow Ups ] [ Post Followup ] [ The Forum Board ] [ FAQ ] WWWAdmin 2.0a © 1997 Matt Wright and DBasics Software Company, All Rights Reserved

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