How To Find Other Liens on Homes in Tax Sales?

[Rhett P.]

I just got off the phone with a clerk who said that some of the homes on their county auction list other liens such as mortgages on the tax record. However, I cannot find any information pertaining to her claims. She said to look at the O.N.E. or Owe N.E.? but I'm not sure what that means. Do you know what I should be looking for? 

[Chad U.]

@Rhett P.

First off, "O.N.E." is an O & E which is an Owner's and Encumbrances report, essentially a title search on the current owner for any liens on the property in question.  You can do your search for most properties in Florida online at the respective counties recording and clerk sites. 

A 5 minute search shows that back in 2012, it appears that the property was QCD to the current owner from another individual and no other liens seem to be attached to the owner/property.  But not everything shows up on these sites as there are often misspellings, incorrect classifications, etc.  Therefore it is highly advisable to pull an O&E for properties you seek to purchase, particularly if you are not well versed in title research.  There could be super priority liens as mentioned above such as IRS and state which have rights of redemption periods.  

However, a quick search shows that this property was already redeemed by the current owner on 9/17 and therefore cancelled.