Buying without Title Insurance and Quieting Title

[Anthony Villar]

Hello all, 

I am currently working with a client who recently contracted to purchase a property. Title has come back and it appears that the property was deeded improperly. The title company and its underwriters have decided not to provide an insurance policy for this property. I would never recomend anyone to purchase a property without title insurance 99% of the time but this situation from the looks of it seems to be that 1%. 

Here are the pertinent facts:

-The seller is currently in contract to purchase a property contingent upon my client purchasing her current property. 

-The seller has dropped the price of the property by 50k--30% of the orginal purchase price. 

-An attorney has provided death certs for all potential bloodlines and heirs of the previous owner.

-The current owner has been paying all bills and mortgage of the property for the past 20yrs.

-There is no record of anyone making claim to the property 

If you have any advice for me I would greatly appreciate it. 

[Wayne Brooks]

Okay, if the previous owner “never signed the deed”, then how did he “deed the property” to the current owner? Answer.....he didn’t. Sounds like somebody may need to open probate and herd some cats.
Can’t see as how a QT would be appropriate as it seems the current “owner” has no “ownership” in the property.