How can I check if there’s a lien on my property?
Want to know right now if there’s a lien on your property? Do this and get a clear answer in under an hour.
Why you must check for liens now
A lien on your property gives someone else a legal claim on your home. It blocks clean sales, delays closings, and can cost you thousands. Don’t guess. Verify. Use proven steps to find recorded mortgages, tax liens, judgment liens, or contractor liens.
Quick, reliable checklist to check if there’s a lien on your property
Follow these steps in order. Each one finds different types of liens.
- Search the local land records (county recorder / land registry)
- Go to the county recorder, land registry office, or online portal for your area. Search by property address or legal description. Look for recorded mortgages, deeds of trust, and lien documents. These are the primary public records for property liens.
- Check municipal property tax records
- Unpaid property taxes create tax liens. Visit your city or municipal tax office website and search the property account. If taxes are overdue, a lien is likely recorded at the county level too.
- Look up judgment and court records
- Creditors use courts to record judgment liens. Search the county clerk or court records online for the owner’s name. Judgment liens often show up separately from mortgages.
- Search for mechanic’s or construction liens
- Contractors file these at the county or state level. Check construction lien records or ask the county recorder for filings against the property.
- Check federal and state tax liens (IRS & state tax agencies)
- The IRS and state tax authorities register liens. Search the IRS tax lien records or contact the state tax department for confirmations.
- Ask the mortgage lender or loan servicer
- If you suspect a mortgage-related lien, contact the lender. They can confirm existing liens, balances, and whether a lien release is recorded.
- Hire a title company or real estate lawyer for a title search
- For full certainty, order a professional title search. Title companies search all recorded encumbrances and provide a clear title report. This is essential before selling or refinancing.
- Consider title insurance
- A lender’s title insurance or owner’s policy protects you from undiscovered liens and title defects. It’s inexpensive compared to the cost of a dispute.

Smart tips that save time and money
- Use the exact legal property description when searching. Addresses can be messy.
- Watch for release documents. A lien that’s paid must be released and recorded. If you see a payoff amount but no release, it’s not clean.
- If you find a lien, get the lienholder’s contact and demand a release letter in writing.
Final word
Checking for liens is simple if you follow a system: land records, tax records, court records, lender checks, and a professional title search. Don’t leave a sale or refinance to chance.
Need a fast, professional lien check and title review? I handle title searches, lien clearance, and fast closings in the Toronto area. Contact Tony Sousa at tony@sousasells.ca or call 416-477-2620. Visit https://www.sousasells.ca to book a consult.
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