A legal investigation conducted by your real estate lawyer to verify that the seller has clear ownership of the property and the right to sell it. The search examines public records for liens, mortgages, easements, encroachments, unpaid taxes, or other claims that could affect ownership. In Ontario, title searches are conducted through the province's land registry system.
Why It Matters
A title search protects you from buying a property that has hidden legal problems -- like an unpaid contractor's lien or a dispute over boundaries. Your lawyer handles this as part of the closing process, and title insurance can provide additional protection against issues that don't show up in the search.
Real-World Example
Your lawyer searches the title on a property in Cabbagetown and discovers a construction lien registered by a contractor who was not fully paid for a kitchen renovation. The lien must be discharged by the seller before closing, or your lawyer will hold back funds to cover it. The title search also reveals an easement allowing the city access to a sewer line running under the backyard.
Ontario & GTA Context
In Ontario, title searches are conducted through the province's electronic land registry system (Teraview). Ontario converted from a Registry system to a Land Titles system, which provides a government guarantee of title accuracy. Your lawyer will also search for outstanding property tax arrears, zoning compliance, and any registered agreements or restrictions on the property.
How It Works in Practice
You do not need to arrange a title search yourself -- your real estate lawyer handles it as a standard part of the closing process. The cost is typically included in your lawyer's closing fee. If the search reveals problems, your lawyer will advise you on how to proceed before closing.
Common Questions
How much does a title search cost in Ontario?▾
What happens if the title search finds a problem?▾
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