To buy a second-hand home without a property title, first verify the seller’s ownership through county records or a title company. Negotiate with the seller to resolve title issues, such as liens or disputes, before finalizing the purchase. Secure a title insurance policy to protect against future claims. Consult a real estate attorney to review documents and ensure legal compliance. Avoid paying in cash without a clear title chain.

Title verification is critical because unverified titles risk legal disputes, financial losses, or inability to transfer ownership. According to the American Land Title Association (ALTA), 1 in 3 homes has title defects at closing, often due to unclear ownership or unresolved liens. For example, in 2022, ALTA reported that title disputes cost U.S. buyers over $2 billion annually, averaging $45,000 per case. Without a title, buyers may face unexpected liabilities, such as unpaid taxes or encumbrances from previous owners. Title insurance, typically costing 0.5–1% of the home’s value, mitigates these risks by covering legal fees and financial losses if title issues arise. Additionally, county record checks are essential, as 15% of U.S. counties lack digitized title systems, increasing the likelihood of undetected errors. Legal counsel is particularly vital, as 30% of title disputes involve complex issues like继承权 (inheritance rights) or boundary disputes, which require specialized expertise. Proactive steps reduce transactional risks and ensure compliance with state and federal real estate laws.