What Is an O&E Title Search?

When you’re dealing with real estate transactions, due diligence isn’t optional — it’s essential. One of the fastest and most effective tools for identifying property ownership and potential title issues is an O&E title search, short for Ownership and Encumbrance report.

What Is an O&E Title Search?

An O&E (Ownership and Encumbrance) Search is a condensed title report that reveals the current property owner, recorded deed, and any open liens, mortgages, or encumbrances attached to the property.

Think of it as a snapshot of the property’s title status. Instead of tracing decades of ownership history like a full title search, an O&E focuses on current ownership and financial obligations. It’s fast, affordable, and ideal for investors, lenders, and anyone evaluating real estate risk.

What Information Does an O&E Report Include?

A professionally prepared O&E report typically includes:

• Current ownership details – the most recent deed and vesting information.
• Legal description and parcel data – ensuring property boundaries match county records.
• Open mortgages or deeds of trust – identifying active loans or unreleased liens.
• Judgments and encumbrances – unpaid taxes, HOA dues, or other claims that cloud title.
• Property tax information – current and delinquent tax status.

At Security American Title, every O&E title search is carefully reviewed for accuracy and completeness. We verify the chain of title, ensure all instruments are properly recorded, and confirm that no obvious defects are overlooked.

Why Order an O&E Title Search?

O&E searches are a valuable tool for:

• Real estate investors and wholesalers – evaluating properties before submitting offers.
• Lenders and mortgage brokers – reviewing collateral before a refinance or loan approval.
• Title agents and attorneys – gathering title information quickly during due diligence.
• Homeowners and sellers – confirming title status before listing or refinancing.

Because O&E reports can typically be completed within 24–48 hours, they’re a fast and reliable way to identify red flags early in the process.

The Risk of Skipping a Proper Title Search

Relying on incomplete or outdated data can cause serious problems later — missed liens, ownership disputes, or unreleased mortgages that derail closings. An accurate O&E title search prevents surprises and helps you move forward with confidence.

With over 100 years of combined experience, Security American Title has been providing nationwide title search services since 1997. Our team delivers reports that are fast, affordable, and precise, backed by decades of real-world expertise.

Order Reliable O&E Title Searches Nationwide

Whether you’re handling one property or managing an entire portfolio, an O&E title search is your first line of defense against hidden title issues. Partner with a company that gets it right the first time.

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