Which factor can complicate a title search?

Missing or incomplete public records can significantly complicate a title search, as these records are essential in establishing a clear and marketable title. A title search involves reviewing public records to identify the property's ownership history, any liens, encumbrances, or other issues that could affect the property’s title. When records are missing or incomplete, it becomes challenging for a title examiner to verify all ownership transfers, assess potential claims against the property, or identify any legal restrictions that may exist. This uncertainty can lead to delays, additional research or costs, and could create risks for the buyer and lender regarding the validity of the title.

In contrast, the availability of property documentation typically aids in a smooth title search, while the presence of a licensed surveyor is often a beneficial factor in ensuring accurate property boundaries. Approval from a local real estate commission does not have a direct impact on the title search itself. These aspects highlight how critical the integrity and completeness of public records are in the title examination process.