Several years ago, my sisters and I purchased our present residential property and obtained a mortgage loan from a bank. At the settlement, we were given a copy of the Deed of Trust. We recently paid off that mortgage and the bank sent us a copy of the release which had been filed with the County recorder of deeds. Are there any other documents which we should have? Also, when we bought the property we paid for a title insurance policy. However, we never received a copy of that policy. How can we procure our property’s real estate title?

You should have received a copy of all these documents when you went to settlement. Since you purchased the property more than 10 years ago, I doubt that the settlement attorney will be able to locate your file at this late date. Indeed, that settlement attorney may not even be around now. You purchased a title insurance policy. The attorney recorded the deed to the property among the land records in the county where the property is located. It usually takes several months before the county will return the recorded deed to the attorney. But once that deed has been received, the attorney should have sent you that original deed, along with your title insurance policy.

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