Title Searching in Missouri - Revision history

Davidjenkins: /* Cross-References */

2020-11-17T15:07:55Z

‎Cross-References

Davidjenkins: /* Minimum Title Search Requirements */

2020-05-29T13:10:45Z

‎Minimum Title Search Requirements

Davidjenkins: /* Attorneys */

2020-05-29T13:08:23Z

‎Attorneys

Davidjenkins: /* Overview */

2020-05-29T13:06:27Z

‎Overview

Davidjenkins: /* Overview */

2019-02-06T15:25:23Z

‎Overview

Davidjenkins: /* Overview */

2019-02-06T15:24:17Z

‎Overview

Davidjenkins: /* Overview */

2019-02-06T15:23:49Z

‎Overview

Davidjenkins: /* Overview */

2019-02-06T15:23:26Z

‎Overview

Davidjenkins at 15:16, 6 February 2019

2019-02-06T15:16:57Z

Davidjenkins: /* Overview */

2019-02-06T15:16:41Z

‎Overview

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 * [[Missouri]]
-* [[Title Plants in Missouri]]
+** [[Title Plants in Missouri]]
-* [[Marketable Record Title Acts in Missouri]]
+** [[Marketable Record Title Acts in Missouri]]

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 ==Minimum Title Search Requirements==
-Search must be made at a Registered Title Plant (a set of geographically indexed records registered with the DIFP) unless a search from the plant cannot be obtained at a reasonable cost in a reasonable time. [https://law.justia.com/codes/missouri/2011/titlexxiv/chapter381/section381071/ MO Rev Stat § 381.071].  Based on the statute, any Registered Title Plant must have its records geographically indexed back to at least September 28, 1965.  If a search is obtained outside of the Registered Title Plant through a search of the courthouse records, the search must go back at least 45 years.
+Search must be made at a Registered Title Plant (a set of geographically indexed records registered with the DIFP) unless a search from the plant cannot be obtained at a reasonable cost in a reasonable time. [https://law.justia.com/codes/missouri/2011/titlexxiv/chapter381/section381071/ MO Rev Stat § 381.071].  Based on the statute, any Registered Title Plant must have its records geographically indexed back for at least the most recent 45 years.  If a search is obtained outside of the Registered Title Plant through a search of the courthouse records, there are no requirements regarding the depth of the search.
 ===SVU===

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 ==Attorneys==
-Attorneys are exempt geographical and minimum time period restrictions.  They may rely upon a personal inspection of the records in the courthouse and use the best title evidence available in any county where the search. Mo. Ann. Stat. § 381.071.1(1).
+Attorneys are exempt from geographical and minimum time period restrictions.  They may rely upon a personal inspection of the records in the courthouse and use the best title evidence available in any county where the search. Mo. Ann. Stat. § 381.071.1(1).
 ==Cross-References==

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 ==Overview==
-Missouri is considered a '''Title Plant State''' because of a state law requiring the use of '''Registered Title Plants''' to obtain title searches prior to issuing any title insurance policy.  There is are '''two exceptions''' to the required use of Registered Title Plants that allow a title insurance agent to obtain title searches directly from a courthouse searcher.  The first exception is if there is no Registered Title Plant for the county where the property being insured is located.  The second exception is if the agent cannot obtain a title search from a Registered Title Plant at a reasonable cost and within a reasonable time.  If either exception is used, this must be documented in the file.  Although the second exception sounds somewhat subjective, the Missouri DOI will use its own standards in determining whether or not the exception should have applied in the event a file is audited.  Whether title evidence is obtained from a Registered Title Plant or directly from courthouse records, the minimum search period is '''45 years''', which is set by state regulations.
+Missouri is considered a '''Title Plant State''' because of a state law requiring the use of '''Registered Title Plants''' to obtain title searches prior to issuing any title insurance policy.  There is are '''two exceptions''' to the required use of Registered Title Plants that allow a title insurance agent to obtain title searches directly from a courthouse searcher.  The first exception is if there is no Registered Title Plant for the county where the property being insured is located.  The second exception is if the agent cannot obtain a title search from a Registered Title Plant at a reasonable cost and within a reasonable time.  If either exception is used, this must be documented in the file.  Although the second exception sounds somewhat subjective, the Missouri DOI will use its own standards in determining whether or not the exception should have applied in the event a file is audited.  When title evidence is obtained from a Registered Title Plant, the minimum search period is '''45 years''', which is set by state regulations.  When title evidence is obtained from outside of the Title Plant system, the 45-year minimum period does not appear to apply.
 ==Sources==

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 ==Overview==
-Missouri is considered a '''Title Plant State''' because of a state law requiring the use of '''Registered Title Plants''' to obtain title searches prior to issuing any title insurance policy.  There is are '''two exceptions''' to the required use of Registered Title Plants that allow a title insurance agent to obtain title searches directly from a courthouse searcher.  The first exception is if there is no Registered Title Plant for the county where the property being insured is located.  The second exception is if the agent cannot obtain a title search from a Registered Title Plant at a reasonable cost and within a reasonable time.  If either exception is used, this must be documented in the file.  Although the second exception sounds somewhat subjective, the Missouri DOI will use its own standards in determining whether or not the exception should have applied in the event a file is audited.  Whether title evidence is obtained from a plant or directly from courthouse records, the minimum search period is a '''45 year minimum''' set by state regulations.
+Missouri is considered a '''Title Plant State''' because of a state law requiring the use of '''Registered Title Plants''' to obtain title searches prior to issuing any title insurance policy.  There is are '''two exceptions''' to the required use of Registered Title Plants that allow a title insurance agent to obtain title searches directly from a courthouse searcher.  The first exception is if there is no Registered Title Plant for the county where the property being insured is located.  The second exception is if the agent cannot obtain a title search from a Registered Title Plant at a reasonable cost and within a reasonable time.  If either exception is used, this must be documented in the file.  Although the second exception sounds somewhat subjective, the Missouri DOI will use its own standards in determining whether or not the exception should have applied in the event a file is audited.  Whether title evidence is obtained from a Registered Title Plant or directly from courthouse records, the minimum search period is '''45 years''', which is set by state regulations.
 ==Sources==

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	==Overview==		==Overview==
	Missouri is considered a Title Plant state because of a state law requiring the use of Registered Title Plants to obtain title searches prior to issuing any title insurance policy. There is are two exceptions to the required use of Registered Title Plants that allow a title insurance agent to obtain title searches directly from a courthouse searcher. Whether title evidence is obtain from a plant or directly from courthouse records, the minimum search period is a 45 years minimum as set by state regulations.		Missouri is considered a Title Plant state because of a state law requiring the use of Registered Title Plants to obtain title searches prior to issuing any title insurance policy. There is are two exceptions to the required use of Registered Title Plants that allow a title insurance agent to obtain title searches directly from a courthouse searcher. Whether title evidence is obtain from a plant or directly from courthouse records, the minimum search period is a 45 years minimum as set by state regulations.

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 ==Overview==
-Missouri is considered a Title Plant state because of a state law requiring the use of Registered Title Plants to obtain title searches prior to issuing any title insurance policy.  There is an exception to the use of Registered Title Plants that allows a title insurance agent to obtain title searches directly from a courthouse searcher.  Whether title evidence is obtain from a plant or directly from courthouse records, the minimum search period is a 45 years minimum as set by state regulations.
+Missouri is considered a Title Plant state because of a state law requiring the use of Registered Title Plants to obtain title searches prior to issuing any title insurance policy.  There is are two exceptions to the required use of Registered Title Plants that allow a title insurance agent to obtain title searches directly from a courthouse searcher.  Whether title evidence is obtain from a plant or directly from courthouse records, the minimum search period is a 45 years minimum as set by state regulations.
 ==Sources==