Title insurance for property obtained after tax lien foreclosure.

[John Byrley]

In March of this year, we acquired title to a property in St. Mary's county, Maryland, through a tax lien foreclosure, paying about $40K.  The prior owner, a mentally-challenged man, had died in 2018 while in long term care.  Maryland Dept of Health placed a lien on the property in 2018 for the costs of the care, totaling about $90K.  The property had sat vacant and neglected since then, rapidly deteriorating and becoming an eyesore to the neighborhood.   During the foreclosure process, we were not able to locate any heirs to serve, despite contacting several friends of the deceased, doing an estate search, obituary search, Radaris search, etc.  We were told by several people that the decedent had no heirs.  (We did not use a professional heir search service).  We did serve the State of Maryland.  The State did not respond to the foreclosure complaint.   The judge ordered foreclosure and we obtained the deed from the county.  We are now trying to sell the property.  We had one offer for $100K but that fell through due to refusal of the title company to insure title.  We are searching for a title company in Maryland who would be willing to insure a title like this.  As an alternative, we are considering Tax Title Services or a Quite Title if necessary.  Any advice or guidance anyone would give would be much appreciated.   

[Ned Carey]

@Russell Brazil Thanks for the shout out.

@John Byrley I have several I work with in the Baltimore area for tax sales. Whether they will settle one in Saint Mary's county I dont know. Try Dulaney TItle in towson, Clearview Settlement, New Word Title in timoium or Crown TItle in Catonsville. Those are ones off the top of my head that we use a lot.