Auction properties & Liens

[Gala Klein]

Hello BP Nation! 

I need a little advice from the knowledge of the collective. I'm doing the due diligence on a property that's going to foreclosure auction. I have tried contacting the owner multiple times, but she's been non responsive. I called the title company to get something like a prelim title search, she sent a listing packet. The house was purchased by the homeowner in 2002 for $165K listed under "Coveyances" then in 2005 under "Liens" there is a conventional loan from JP Morgan for $50K . The notice of default is for the "original loan" of $50K. 

Does this mean that she may have refi'd the property for $50K or taken out a HELOC? Could there still be another lien on the property? I've asked the person at the title company and she doesn't know.

Thanks!