A title report—also known as a title commitment or binder—is a document that contains the results of a title search and describes the legal status of a piece of real property (estate). A title report usually includes a legal description of the property and information on ownership of the property (the chain of title or ownership history).

A title report also includes a list of any easements, liens, encumbrances, and other information affecting title to the property as of that date—which are known as title defects or defects.

A title report will also include relevant zoning laws, the appraised value of the property, current tax information, and any open or unreleased mortgages.

A person considering buying a piece of property may be able to find this information in the local county records (county tax assessor’s office, courthouse) but most experts recommend a potential buyer enlist the services of a title officer at a title company.

In North Carolina, a title report is a critical document for real estate transactions that provides detailed information about the legal status of a property. It includes the property's legal description, ownership history, and any claims or encumbrances on the property, such as easements, liens, and encumbrances. The report also outlines any title defects that could affect the buyer's ownership rights. Additionally, it may contain information on local zoning laws, the property's appraised value, current tax obligations, and any outstanding mortgages. While individuals can access some of this information through local county records, such as the county tax assessor's office or courthouse, it is generally advisable to engage the services of a title officer from a title company. An attorney specializing in real estate law can also provide guidance and ensure that the title is clear before proceeding with a property purchase in North Carolina.