400 Creekside Drive, Suite 407-409 Pottstown, PA 19464

What Do You Do if You Lose Your Deeds?

Monday, June 7, 2021

The deeds to your home are the most important, and possibly most expensive, documents you will ever have in your possession. However, even when you know that, there's still a chance it could get lost. 

What do you do if you lose your deeds? Luckily, in today's modern world, there are multiple ways to get copies of your property deeds. Let's break down why home deeds are so important and how to get a new copy of your deed.

Why Do Deeds Matter?

Maybe your deeds were misplaced in a move, lost in a natural disaster, or stolen. Not having a deed does not take away the fact that you own your property, so why should you rush to get a new copy?

Essentially, deeds are legal proof that you own your property. They protect your interests and rights as a property owner. Having one in your possession can give you peace of mind.

Additionally, you must have physical copies of your home deeds if you ever want to sell your home or property. Let's move on to how to replace lost deeds. 

What Do You Do if You Lose Your Deeds?

The deeds to your home and investment property are public records, so it's not hard to get a new copy. You can request a copy at your local county courthouse. You may have to pay a small fee to obtain your deed, but it is easy to find it by searching your name and property address.

If you want to save yourself a trip, some counties allow you to request a copy of your deed by fax or mail. The rules are different everywhere, so check with your register of deeds to figure out how to do this. There will likely be a fee similar to the in-person fee.

The most convenient way to find a missing deed is to search for it online. Not all counties allow this, but it is becoming more common, so it's worth checking out. This method may also have fees. For instance, some counties have a search fee, and some charge a fee per page you request. 

Lastly, if none of these methods work for you, or you want someone else to do the work for you, you can use a title company to find your lost deeds. This is the most expensive option, but it does take the task off of your plate. If you have a real estate lawyer, they may also be able to perform the task for you.

The Next Step for New Home Buyers

Hopefully, this guide to what do you do if you lose your deeds is helpful in helping you get organized. Once you have a new copy of your deeds, it's important to make sure you have title insurance as well. 

Heartland Abstract can help new buyers acquire a great title insurance policy, and we can prepare your new deeds for you. For more information, contact us here today to get started with Heartland Abstract. 

View All Recent Posts