What is a “cloud” on a title?

A cloud on a title is any irregularity or possible claim on a property that could adversely affect its title. Clouds are typically turned up during a title search, and they can reduce the marketability of a property.

Examples include:

* An error in the legal description of the property on the deed conveying the title

* A mortgage lien release that was not officially recorded

* A signed deed that was not properly recorded

* Unpaid property taxes

* A pending lawsuit over ownership

* An easement that was not properly recorded

* A possible claim by an heir of a former owner