Rowlett Real Estate School Blog

What is a Deed? A deed is a written instrument that conveys title to real property. It is an instrument of conveyance whereby title to real property is transferred from one party to another. The two parties to a deed are the grantor (owner giving title) and the grantee (new owner receiving title). The deed must [...]

What is a Chain of Title? A chain of title is the complete successive record of a property's ownership. To clarify, beginning with the earliest owner, title may pass to many individuals. Therefore, each owner is "linked" to the next and a "chain" is formed. In short, a chain of title is [...]

What is Title Insurance? Title insurance is a contract that protects the policyholder from losses arising from defects in the title. Florida law does not require title insurance. It is a unique type of insurance. It protects against loss from past occurrence, such as a forged deed somewhere in the [...]

What is Abstract of Title? An abstract of title is a summary report of what the title search found in the public record. The person who prepares this report is called an abstractor. The abstractor searches the public records and then prepares a condensed history of the various events and proceedings that [...]

What is the Habendum Clause? The habendum clause, so named because in medieval times it began with the Latin phrase habendum et tenendum ("to have and to hold"), limited the estate or tenancy being conveyed. Today, the habendum clause starts with the words "to have and to hold." Usually, the word "forever" follows [...]

What is the Covenant of Seisin Clause? The covenant of seisin (also seizin) is a promise that the grantor owns the property and has the right to convey title. The covenant of seisin states that the property is free from liens or other encumbrances except as noted in the deed. This clause [...]