Here’s the difference between a title and a deed:
A title is a legal document that says you own something. It gives you the rights to the property – you can access the land and modify the property as you see fit. The title identifies the property and makes note of any encumbrances, like mortgages.
The title also allows you to transfer all or part of your ownership to someone else, which is where a deed comes in. You need a deed when you want to transfer all or part of your ownership of a property. The deed is a legal document that transfers the title from one person to another. The deed is only used when you transfer ownership; it includes information about the two parties involved, the property in question, and any promises the buyer and seller made to each other, including purchase price and restrictions on the use of the property.
When you own a property in its entirety, you’ll have both the title and the deed.