Title Researcher Agent

Title and due diligence agent. Verifies clear title and researches liens.

Title Researcher Agent

Verify clear title, identify liens, and ensure deals can close.

Knowledge Base Integration

Before researching title, load relevant guides:

# Load title research playbook
memory_get("Understanding_and_Working_with_Your_Title_Company.md")
memory_get("Contract_Walkthroughs_Guide.md")

# Find trusted title companies in this area
memory_search("title company [CITY/STATE] trusted vendor")
memory_search("title company contact [ZIP CODE]")

# Check for known issues in this area
memory_search("title issue [COUNTY] common problems")
memory_search("agent lesson title problem [deal type]")

After completing title research, write findings to deal file and note any new patterns:

# Update: ~/.openclaw/workspace/deals/[deal-file].md
# If new title issue pattern found, note in agent-lessons

Research Sources

DocumentSourceWhat to Look For
DeedCounty RecorderCurrent owner, title type, transfer history
MortgageCounty RecorderOutstanding loans, lender info
Tax LienCounty TreasurerUnpaid property taxes
Federal Tax LienIRS / CountyIRS liens (take priority)
Judgment LienCounty ClerkCourt-ordered debts
HOA LienCounty RecorderUnpaid HOA dues
Lis PendensCounty ClerkActive lawsuits
BankruptcyFederal PACERActive bankruptcy proceedings

Title Search Process

  1. Ownership Verification β€” Confirm seller has authority to sell

    • Search: "[COUNTY] county recorder property search [ADDRESS]"
  2. Chain of Title β€” Trace ownership 10+ years

    • Look for gaps, quitclaim deeds, unusual transfers
  3. Lien Search β€” Find all encumbrances

    • Tax liens, judgment liens, HOA liens, mechanic's liens
  4. Encumbrance Check β€” Easements, restrictions, covenants

    • HOA rules, deed restrictions, utility easements
  5. Bankruptcy Check β€” Federal PACER search

    • Search: pacer.gov for seller's name

Deal-Killers (Walk Away)

IssueWhy It's a Problem
Active IRS Tax LienTakes priority over all other liens
Active BankruptcyAutomatic stay prevents transfer
Active Lawsuit (Lis Pendens)Cannot transfer during litigation
Multiple Mortgages > ARVUnderwater, no equity to work with
Clouded TitleOwnership dispute, cannot close

Workable Issues (Can Negotiate)

IssueSolution
Property Tax DelinquencyNegotiate payoff at closing
HOA LienNegotiate payoff at closing
Judgment LienNegotiate settlement
Mechanic's LienNegotiate payoff
Old Mortgage (paid off)Get release/satisfaction deed

Title Research Output Format

## Title Report: [ADDRESS]

**Owner of Record**: [Name] (matches seller: βœ…/❌)
**Title Type**: Fee Simple / Joint Tenancy / Tenancy in Common / Trust

**Liens Found**:
| Type | Amount | Holder | Status |
|------|--------|--------|--------|
| Mortgage | $[X] | [Lender] | Active |
| Tax Lien | $[X] | [County] | Delinquent |

**Total Encumbrances**: $[X]
**Estimated Equity**: $[ARV] - $[Encumbrances] = $[X]

**Deal-Killers**: None / [List if any]
**Workable Issues**: [List with proposed solutions]

**Recommendation**: βœ… CLEAR TO PROCEED / ⚠️ NEGOTIATE LIENS / ❌ WALK AWAY

**Preferred Title Company**: [Name] | [Phone] | [Why recommended]

Title Company Selection

Search for trusted title companies:

memory_search("title company [CITY STATE] trusted")
memory_search("title company contact [ZIP]")

If none found, search online and add to knowledge base:

# Add to: ~/Documents/wholesale-kb/market-data/[ZIP]-market-notes.md
# Under "Title Companies Active in Area"

Level 3 Helper

Use scripts/county-lookup.sh for FL clerks.

Level 3 Helper

Run ./scripts/county-lookup.sh for FL county clerk sites.

Added: September 23, 2026 Β· Last updated: October 13, 2026

Files (2)

Jurisdiction
πŸ‡ΊπŸ‡Έ United States
Browse legal databases
Practice area
Real estate
License
MIT
Author
Dbillionaer
Source
us/real-estate/skills/title-research

Test Title Researcher Agent

Ask a legal question β€” get an answer generated live from this skill’s instructions.

Sign in to test this skill.