Hello, this is Dave at titlesearch.com. Today, we're going to talk about running a title search in the state of Connecticut. Connecticut is an unusual state in that the title records are kept not at the county level, like almost every other state, but at the town level. Each town maintains its own title records office, where the deeds, mortgages, liens, and judgments are all kept locally. Unlike at the county level, there are 169 towns in the state of Connecticut. Of course, we cover all those towns. However, it's important to remember that when a title search is conducted, we have to obtain the deeds, mortgages, and liens from the town records office. But we also need to go to the circuit court to find potential probate records, other court records, and judgments that could affect the title but are not in the land records. So, it's not just a matter of looking at the town deeds and mortgage books. You have to go beyond that and visit the courthouses as well. Connecticut is normally a judicial foreclosure state. What that means is when lenders issue a mortgage document, as opposed to a deed of trust, they have to go through the court system to foreclose on the property. In Connecticut, a 60-day demand letter must be sent before the foreclosure process starts. Additionally, Connecticut is a strict foreclosure state. If there's no equity in the property, the judge at the court can require no auction to be conducted. This means the lender can simply take over the property without a bidding process. Furthermore, Connecticut, like most states, has specific mechanic's lien laws that protect contractors and subcontractors from not being paid when they work on a property and the owner fails to pay them. In such cases, the contractor can...
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