An Affidavit of Title is commonly required during real estate transactions in the United States to provide assurance about property ownership and title status. This document is typically requested by title insurance companies and mortgage lenders to verify that the seller has clear title to the property and that there are no unknown liens, disputes, or encumbrances. The affidavit includes statements about ownership rights, existing mortgages, boundary disputes, pending litigation, and any other matters that could affect the property's title. It serves as a legal safeguard for buyers and lenders, as false statements can result in legal penalties for the affiant.
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1. Title and Introduction: Document identification and jurisdiction
2. Affiant Information: Legal name and address of person making the affidavit
3. Property Description: Detailed legal description of the subject property
4. Ownership Declarations: Statements regarding ownership rights and title status
5. Liens and Encumbrances: Declaration regarding any existing liens or encumbrances
6. Verification Statement: Statement of truth and accuracy under penalty of perjury
7. Notarization Block: Space for notary acknowledgment
1. Marital Status Declaration: Used when property involves marital rights or is in a community property state
2. Bankruptcy Declaration: Statement regarding bankruptcy status, required by title company or lender
3. Construction Work Declaration: Statement about recent improvements or construction work performed on the property
1. Schedule A - Property Description: Detailed legal description of the property if too lengthy for main document
2. Schedule B - Supporting Documents: Copies of relevant deeds, permits, or other supporting documentation
3. Schedule C - Chain of Title: Documentation showing history of ownership transfers
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