cloud on title

Definition

Any claim, lien, or encumbrance that impairs the property's title and creates doubt about legal ownership. Like a stain on your property's permanent record that needs bleaching before you can sell.

Example Usage

The title search revealed a cloud on title from an unpaid contractor's lien filed three years ago.

Origin

Legal terminology dating to 19th century American property law

Fun Fact

Common clouds include forgotten mortgages from previous owners, unpaid property taxes, or even clerical errors that recorded your deed incorrectly.

Source: American Land Title Association title insurance standards

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