What does a title search verify?

A title search is primarily conducted to verify the historical ownership of a property. This process includes reviewing various public records to track the chain of title, ensuring that the seller has the legal right to transfer ownership and that there are no outstanding claims, liens, or encumbrances that could affect the title. Establishing clear ownership is crucial for a buyer, as it provides assurance that the property can be legally sold and that the buyer will receive clear title upon purchase.

The other options involve aspects not addressed by a title search. For instance, the physical condition of the property deals with structural integrity or maintenance issues, which is a separate evaluation typically handled by home inspections. Similarly, assessing the financial capacity of the buyer is part of the mortgage process and not relevant to the title search. Zoning regulations are related to land use and development rules, which are also not confirmed through a title search. Instead, they are typically explored through different types of property research or inquiries with city or county planning departments.