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Title Search

Understand what a title search involves in Canadian real estate, why it's required before closing, and how it protects buyers from legal complications.

Title Search

May 22, 2025


What is a Title Search?

A title search is the process of examining public records to verify the legal ownership of a property and identify any liens, claims, or encumbrances.

Why Do Title Searches Matter in Real Estate

In Canadian real estate, title searches are performed by lawyers or notaries as part of the closing process. They ensure the buyer receives clear title and that the seller has the legal right to transfer ownership.


A title search checks for:
  • Registered property owners
  • Outstanding mortgages or liens
  • Easements or rights-of-way
  • Court judgments or encumbrances


If any issues are found, they must be resolved before the property can be legally transferred. In many provinces, buyers also purchase title insurance as added protection.


A title search is critical for protecting the buyer from future legal disputes or financial loss related to hidden ownership issues.

Example of a Title Search

A title search reveals that a previous owner failed to discharge a mortgage. The seller resolves the issue before closing, ensuring the buyer receives clear title.

Key Takeaways

  • Verifies ownership and property status.
  • Identifies legal claims or debts.
  • Required before property transfer.
  • Conducted by lawyer or notary.
  • Ensures buyer receives clear title.

Related Terms

Additional Terms

Receivership

Receivership is a legal process where a court or secured creditor appoints a receiver to take control of a borrower’s assets, such as property or. more

REALTOR

A REALTOR is a licensed real estate professional who is a member of the Canadian Real Estate Association (CREA) and adheres to its Code of Ethics and. more

Property Use History

Property use history refers to the documented past uses, functions, and occupancy of a property, which may affect environmental risk, zoning, or. more

Property Management

Property management is the oversight and administration of real estate assets on behalf of the owner, covering leasing, maintenance, financial. more

Property Maintenance

Property maintenance refers to the ongoing upkeep, repair, and management of a building or land to preserve its safety, functionality, and appearance.. more

Permit Compliance

Permit compliance refers to the requirement that all building or renovation work complies with approved municipal permits and relevant building codes.. more

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