Let's Learn About Cook County Recorder of Deeds

The glorious microfilm

· Cook County,Chicago

Let's Learn About Cook County Recorder of Deeds

 Public search

The Cook County Recorder is open to the public for searching and copies. Some of this searching and viewing digitally can be done online (back through 1986). To search you will need the PIN (Property Identification Number) which can be accessed using the County GIS Map or the Cook County Assessor website.

The location downtown is: 118 N Clark St # 120, Chicago, IL 60602

Deeds

A deed is a written document that proves ownership of property or land.

The deed must be signed and notarized by the grantor. A grantor is the person selling the property, and a grantee is the person buying it. The deed must be recorded to make it official public record for anyone to see. In Illinois, deeds are recorded at the county recorder office where the property is located. For example, if you're selling your home in Chicago, you would file your deed with Cook County Recorder of Deeds office so that everyone knows who owns the home.

When recording a deed, you must include:

  • The legal description of the property being sold
  • Names of both parties involved in sale (the grantor and grantee)

For more information about how to record your deed in Cook County go to https://cookrecorder.com/forms/conveyance-tax-information

Mortgages

A mortgage is a contract that gives the lender the right to take possession of the property if the borrower fails to repay the loan. Mortgages are recorded at the Recorder of Deeds Office as a public record, and are available for viewing by anyone who does a document search, or who requests copies.

Mortgage documents often name more than one debtor and creditor. For example, when two people obtain a loan together in order to purchase real estate jointly, both individuals will be named as debtors on one mortgage document. This can also occur if two parties refinance an existing property with a new lender. When multiple debtors are named in just one mortgage, it is not possible to separate them into individual mortgages within our online database.

Easements

What is an easement? An easement is a nonpossessory interest in land owned by another. There are several different types of easements based on the use and rights provided to the owner of the interest. Easements can be either appurtenant or in gross, they can be created by express grant, reservation or implication, and they can be affirmative or negative.

There are several reasons why someone would record an easement:

  • The owner of land is required to allow access across his property for another person (Buyer requires access over Seller's parcel).
  • A utility company needs permission to install above-ground lines (Utility Company requires permission to install lines across Seller's parcel; also called a "Utility Easement" or "Right-of-Way").
  • A municipality needs permission to install flood control devices (Municipality requires access over Seller's parcel for storm sewer).

Mechanic’s liens

Mechanic's liens are filed by contractors, electricians, plumbers, or any other tradesmen who were not fully paid for their work on the property. The lien prevents new owners from selling the property until all debts are paid.

Get information about property ownership, purchase and sales records, and tax and deed history.

The Cook County Recorder of Deeds has made national headlines in recent years for its use of a series of databases to match names with property records. When the system was first introduced, it was given a very negative name by many citizens, who claimed that the program would lead to unjust searches and unfair IRS audits. The system has been tremendously effective at identifying people who own multiple properties outside Cook County instead of single-home owners within the county. The database is also used to prevent fraudsters from transferring property titles from one person's name to another; when the system can identify multiple properties under one family name, it stops these transfers before they take place. The database has saved thousands of dollars in real estate taxes every year and has helped ensure that every dollar coming into Cook County is spent on public services instead of being siphoned out through illicit activity such as tax evasion or tax avoidance schemes.

For help with your ownership searches and to understand property liabilities, contact Illinois Abstract Service

 

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