
A Practical Guide to Residential Purchases and Sales in Jellico
Buying or selling a home in Jellico involves more than signing a contract and handing over keys. Local property transactions are affected by Campbell County rules, title considerations, disclosure obligations, tax implications, and lender requirements. At Jay Johnson Law Firm we focus on helping people navigate the legal steps that accompany residential purchases and sales. Whether you are a first-time buyer, an experienced seller, or handling a transaction after relocation, clear legal guidance helps reduce avoidable delays and ensures the transaction aligns with state and local requirements. We emphasize practical planning and clear communication throughout the process.
Transactions for single-family homes, condominiums, and other residential properties in Jellico require attention to contract deadlines, inspection contingencies, survey and boundary issues, and title concerns. A careful review of the purchase agreement and related documents helps identify obligations and potential risks before closing. When questions arise about disclosures, easements, or homeowner association rules, the right legal review can clarify responsibilities and timelines. Our goal is to support clients in making informed decisions at each stage of a residential sale or purchase while keeping the process organized and moving toward a timely closing.
Why Proper Legal Guidance Matters for Residential Transactions in Jellico
Proper legal attention to a residential purchase or sale in Jellico can protect your financial interests and reduce the chance of unexpected problems after closing. Legal review helps confirm clear title, identify required disclosures, and ensure contract terms reflect the parties’ intentions. For sellers, legal review can streamline negotiations and clarify liability for property condition issues. For buyers, careful document review and title examination provide confidence that ownership will transfer cleanly. Working with a local law firm familiar with Campbell County practices and Tennessee law brings practical benefits such as anticipating common transaction pitfalls and preparing appropriate contractual protections.
About Jay Johnson Law Firm and Our Residential Real Estate Practice
Jay Johnson Law Firm operates with a practical focus on helping clients complete residential purchases and sales throughout Campbell County and surrounding areas. Our approach centers on responsive communication, thorough document review, and clear explanations of legal duties and timelines. We have handled transactions involving conventional financing, cash purchases, estate transfers, and sales affected by local ordinances. Clients rely on our firm for steady guidance through contingencies, title concerns, and closing procedures. We place importance on preparing for common contingencies to keep closings on track and to reduce post-closing disputes.
Residential real estate services cover a range of legal tasks connected to buying or selling a home in Jellico. These include reviewing and negotiating purchase agreements, verifying title and lien status, preparing or reviewing deed documents, handling closing paperwork, and coordinating with lenders and title companies. Additional steps may include addressing required seller disclosures under Tennessee law, assisting with property surveys, and advising on repair requests following inspections. Our role is to identify legal obligations within the transaction documents and to help clients follow legally required processes so the transfer of ownership proceeds with reduced risk.
The legal review process begins with a careful reading of the purchase agreement and any attached addenda. We check timeline provisions such as inspection and financing deadlines, clarify who is responsible for closing costs, and confirm how title will be conveyed. Title searches and closing preparations reveal any liens, judgments, or recording gaps that must be resolved before transfer. For sellers, we review required disclosures and help prepare clear deed language. For buyers, we coordinate title insurance and ensure the deed accurately reflects the agreed form of ownership to protect the purchaser’s interest.
What Residential Purchase and Sale Legal Services Include
Residential purchase and sale legal services include contract review, negotiation assistance, title review, preparation of closing documents, and coordination with lenders and title companies to complete the transfer of ownership. The services also cover addressing contingencies for inspections or financing and resolving title issues such as unpaid liens or errors in public records. We ensure documents like deeds, settlement statements, and closing affidavits comply with Tennessee recording requirements. Providing clear explanations of risks, timelines, and responsibilities is a central part of the service so clients can move forward with confidence and minimal confusion.
Key Steps and Processes in a Residential Transaction
A typical residential transaction involves several sequential steps: contract negotiation, inspection and repair negotiations, clear title verification, financing contingencies, preparation of closing documents, and final transfer of the deed. Each step has its own timeline and documentation requirements that must align with the purchase agreement. Title searches may reveal liens or other encumbrances that require resolution, and closing requires coordination among buyer, seller, lender, and the title or closing agent. Preparing in advance for each step reduces the likelihood of last-minute delays and helps ensure the ownership transfer proceeds smoothly.
Key Terms and Glossary for Residential Purchases and Sales
Understanding common real estate terms helps buyers and sellers make more informed choices during a transaction. Terms like title, deed, escrow, contingencies, and closing costs appear frequently in contracts and documents. Knowing what each term means in the context of Tennessee law helps you understand obligations, deadlines, and potential liabilities. This glossary section provides plain-language definitions of terms you will see during the purchase or sale process and explains how those terms affect the practical steps required to complete a residential closing in Jellico.
Title
Title refers to the legal right to own and use a property and is confirmed through public records and title searches. Establishing clear title means there are no unresolved liens, judgments, or competing claims that would interfere with the transfer of ownership. Title reviews and title insurance protect buyers and lenders by identifying issues that must be cleared prior to closing. When title problems are discovered, they are typically resolved through payoff of liens, corrective deeds, or other record changes. Confirming title ensures that once the deed is recorded the new owner’s rights are protected under state law.
Deed
A deed is the written instrument that transfers ownership of real property from seller to buyer and must comply with Tennessee recording requirements to be effective against third parties. The deed specifies the parties, the legal description of the property, and the manner in which title is conveyed. Common forms include warranty deeds and quitclaim deeds, each carrying different assurances about prior ownership claims. Preparing a deed that accurately describes ownership and reflects the transaction terms is essential at closing so the buyer’s interest is properly recorded in Campbell County land records.
Contingency
A contingency is a contract provision that makes a buyer’s or seller’s obligation conditional on the occurrence of a specified event, such as a satisfactory inspection, approval of financing, or clear title. Contingencies protect parties by allowing them to withdraw, renegotiate, or require corrective steps if the conditions are not met within specified deadlines. Timely notice and documentation are often required to invoke or waive a contingency. Understanding how contingencies work and the deadlines involved helps clients avoid unintentional contract breaches and preserves their rights under the purchase agreement.
Closing Costs
Closing costs are the fees and expenses paid at the transfer of ownership and may include title insurance premiums, recording fees, lender fees, prorated taxes, and attorney or closing agent fees. Who pays each cost depends on the negotiated purchase agreement and local customs. Preparing an itemized estimate of expected closing costs for both buyer and seller helps prevent surprises at settlement. Reviewing the closing statement prior to signing ensures the amounts charged reflect the agreed terms and that any credits or prorations are correctly applied to the parties involved.
Comparing Limited Review and Comprehensive Representation for Residential Deals
Homebuyers and sellers may choose between a limited document review or more comprehensive representation depending on their needs, timelines, and comfort with the transaction process. A limited review typically involves review of the purchase agreement and closing documents with a written summary of concerns, while comprehensive representation includes negotiation, full title coordination, and attendance at closing. The best choice depends on the complexity of the transaction, any identified title issues, financing complications, or unique contractual terms. Understanding what each option covers helps clients select the level of service that aligns with their situation and risk tolerance.
When a Limited Review May Meet Your Needs:
Simple Transactions with Clear Title
A limited legal review can be appropriate when the transaction is straightforward: the property has a clear title history, financing is standard, and both parties are comfortable with the purchase agreement. For example, cash purchases or repeat buyers familiar with the closing process often benefit from a concise review that highlights any unusual contract provisions and confirms the closing documents. This approach can be cost effective for routine deals where significant negotiation is unlikely and the transfer of ownership is expected to proceed without complications.
When Timelines Are Short and Issues Are Minimal
When closing timelines are tight and there are no apparent title defects or complex contingencies, a focused document review combined with clear written recommendations can be sufficient. This option helps keep costs down while ensuring that substantial legal problems are not overlooked. Even with a limited review, it is important to address inspection results, financing terms, and any disclosure questions in a timely manner. Clients choosing this path should ensure they receive clear guidance about what is and is not covered by the review.
When Comprehensive Representation Is Advisable in Residential Transactions:
Complex Title or Ownership History
Comprehensive representation is often the better choice when title searches uncover liens, encumbrances, or unclear ownership interests that require negotiation or corrective steps. Handling these issues may involve working with creditors, preparing corrective deeds, or coordinating payoff arrangements to clear the title before closing. When ownership involves trusts, estates, or multiple owners, additional documentation and careful drafting are needed to transfer title properly. Comprehensive representation includes managing these tasks and communicating with all parties to bring the transaction to a successful closing.
When Negotiations or Contingencies Are Complex
When inspection disputes, repair negotiations, unique financing arrangements, or unusual contractual provisions are present, a comprehensive approach ensures negotiations and legal filings are handled promptly. This service includes active negotiation of contract terms, preparation of addenda, and standing in for the client in communications with opposing parties, lenders, and title agents. It also covers careful preparation of closing documents and attendance at settlement when necessary. This approach helps reduce the likelihood of last-minute failures and protects client rights during complex negotiations.
Benefits of a Comprehensive Legal Approach to Home Sales and Purchases
A comprehensive legal approach helps address both anticipated and unexpected issues that can arise in residential transactions. This approach minimizes the risk of title defects, clarifies contractual obligations, and ensures required disclosures are fulfilled according to Tennessee law. By taking a thorough approach, buyers and sellers receive ongoing guidance through inspections, financing contingencies, and closing logistics. The result is a more predictable timeline and a stronger assurance that documents are prepared correctly to protect ownership interests after the closing.
Comprehensive representation also reduces the administrative burden on clients by coordinating with lenders, title companies, and opposing counsel or agents. When disputes or errors arise, having a firm already involved in the transaction streamlines resolution efforts and reduces delay. For clients juggling work, family, or relocation, this hands-on approach can save time and help avoid costly mistakes that appear after closing. Clear communication and proactive problem-solving throughout the process help keep the transaction moving toward a successful settlement.
Reduced Risk of Post-Closing Title Problems
A comprehensive review of title and related documents helps identify and resolve claims, liens, or recording errors before closing, reducing the chance of disputes after the transaction is complete. Resolving these matters in advance avoids litigation or corrective recordings later and provides both buyer and lender with more certainty at settlement. When title issues are identified early, the parties can agree on payoffs or document corrections and schedule closing with full awareness of remaining steps. This anticipatory approach helps secure a clean transfer of ownership.
Smoother Negotiation and Closing Process
Comprehensive representation supports active negotiation on contract terms and contingencies, ensuring that requests for repairs, credits, or closing adjustments are addressed within the contract timeline. By handling communications and document preparation, the firm helps reduce the risk of missed deadlines and misunderstandings that can derail a transaction. This organized approach helps keep everyone aligned so that inspections, financing, title work, and closing logistics proceed on schedule, resulting in a more predictable and efficient closing experience for all parties.

Practice Areas
Real Estate Services
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Practical Tips for Smooth Residential Transactions in Jellico
Review the Purchase Agreement Early
Start the legal review of the purchase agreement as soon as the contract is signed to identify deadlines, contingencies, and unusual provisions that could affect closing. Early review helps ensure inspection and financing deadlines are feasible and highlights clauses that may need clarification or adjustment. Addressing these matters promptly gives you time to negotiate reasonable terms or documentation changes without creating last-minute pressure. Clear communication with your real estate agent and the other party can often resolve minor issues quickly when they are identified early in the process.
Confirm Title Status Before Closing
Prepare for Inspection and Repair Negotiations
Anticipate how inspection results will be handled by discussing acceptable remedies and deadlines for repair negotiations before contingencies expire. Keep repair requests reasonable and supported by documented inspection findings, and be prepared to consider credits or price adjustments as alternate paths toward closing. Clear documentation and timely responses to repair requests help maintain momentum toward settlement. When disputes arise, having documented communications and a clear record of offers and responses simplifies finding a path forward.
Reasons to Engage Legal Assistance for Residential Transactions
Legal assistance helps ensure paperwork is accurately prepared and deadlines are met in a residential transaction. When buyers or sellers do not fully understand the contract language, obligations can be missed or misinterpreted, creating exposure to financial loss or delay. A lawyer reviews title, coordinates with lenders and closing agents, and provides clear written guidance about the next steps. For clients juggling multiple commitments or complex transaction details, this support reduces the administrative burden and offers practical ways to move the deal forward without unnecessary setbacks.
Working with a law firm can also provide greater clarity when disputes or unexpected issues arise during the transaction. Whether dealing with inspection disagreements, lien resolution, or last-minute financing complications, legal involvement helps document positions and propose solutions grounded in Tennessee law. This reduces the chance of miscommunication or oversight and can facilitate timely settlements. For transactions where ownership transfer must be precise, such as estate transfers or properties with unusual histories, legal coordination is often the most effective way to secure a clean closing.
Common Situations That Benefit from Legal Assistance in Residential Deals
Many common circumstances benefit from legal involvement, including title defects, estate sales, properties with boundary or easement issues, transactions involving out-of-state parties, and sales where financing approval is conditional. Other situations include homes being sold as-is with limited disclosures or properties subject to homeowner association regulations. In these scenarios, legal review identifies necessary steps to comply with applicable law and reduces the likelihood of post-closing complications. Having legal guidance available during negotiations and closing helps clients make informed decisions under pressure.
Title or Lien Issues
When title searches reveal liens, unpaid taxes, or judgments, legal assistance helps determine the proper resolution path so closing can proceed. Resolving these issues may require payoff arrangements, release documents, or corrective deeds. Coordinating between creditors, title companies, and the parties involved ensures necessary documentation is prepared and recorded. Early identification of title issues allows time to obtain releases and avoid last-minute surprises that could postpone settlement. Legal involvement streamlines communication among the parties and helps secure a clear title for the buyer.
Estate or Probate Sales
Sales involving estates, trustees, or probate courts often have additional documentation requirements and may require court approval or specific deed language to transfer title. Legal review ensures the executor or personal representative has authority to sell the property and that required notices or filings are completed under Tennessee law. Preparing accurate closing documents and coordinating any necessary court filings helps avoid invalid transfers and protects the buyer’s interest. Managing these steps carefully minimizes the risk of future ownership disputes tied to the estate.
Inspection and Repair Disputes
Inspection reports sometimes reveal issues that lead to negotiations over repairs, credits, or contract termination. Legal guidance helps frame reasonable requests and responses, document negotiations, and ensure that any agreed repairs are properly recorded as part of the contract addenda. When repair timelines or scopes are disputed, having legal oversight helps preserve the parties’ rights and keeps the transaction moving. Recording agreed-upon remedies in clear written form reduces the chance of misunderstanding at closing and protects both buyer and seller interests.
Jellico Residential Real Estate Attorney Ready to Assist
We are available to assist buyers and sellers in Jellico and Campbell County with residential purchases and sales. Our firm provides careful contract review, title evaluation, and closing coordination to help clients complete transactions efficiently. If questions arise about required disclosures, deed forms, closing costs, or inspection issues, we offer clear, practical guidance tailored to your particular situation. Contact Jay Johnson Law Firm by phone or through the website to discuss your upcoming transaction and learn how we can help keep your sale or purchase on track.
Why Choose Jay Johnson Law Firm for Residential Transactions
Clients choose us for our local knowledge of Tennessee and Campbell County procedures and our focus on clear communication throughout the transaction. We work to identify potential problems early and to propose practical solutions that address title questions, contract ambiguities, and closing logistics. Our approach balances careful document work with timely client updates so you understand the status of each step and what remains to be completed before closing. This helps reduce uncertainty and supports a smoother settlement process.
We coordinate with title companies, lenders, real estate agents, and opposing counsel to keep the transaction moving and to resolve issues that might otherwise delay closing. By preparing and reviewing all required documents and coordinating necessary payoffs or corrective filings, we help prevent common last-minute problems. Our focus on responsiveness and accurate paperwork assists clients through financing contingencies, inspection negotiations, and title matters to keep closings on schedule whenever possible.
For property transfers that require special attention, such as estate sales, ownership disputes, or complex title histories, having legal involvement from an early stage helps preserve options and clarify responsibilities. We explain legal obligations and the effect of each contractual provision so clients can make informed decisions. When unforeseen events occur, our involvement facilitates orderly resolution and helps protect your interests through clear documentation and coordinated action with other transaction participants.
Contact Jay Johnson Law Firm for Residential Purchase or Sale Assistance in Jellico
How We Handle Residential Purchases and Sales
Our process begins with an initial review of the purchase agreement and relevant documents, followed by a title search and identification of any issues that must be addressed before closing. We communicate findings to the client and recommend next steps, which may include negotiation of contract terms, coordination with lenders for payoff statements, and preparation of closing documents. We remain available to answer questions about timelines, disclosures, and document signing to help ensure the transfer of ownership goes smoothly at settlement.
Step One: Contract Review and Initial Title Search
In the first step we carefully review the purchase agreement, addenda, and any seller disclosures to identify key dates, contingencies, and obligations. Simultaneously, we initiate a title search to uncover liens, judgments, or recording errors. This combination of contract and title review allows us to spot potential problems early and to advise clients about options for resolving them. Early identification of issues creates time to negotiate solutions, obtain necessary releases, and keep the transaction on schedule toward closing.
Review of Contract Terms and Contingencies
We review critical contract provisions including inspection deadlines, financing contingencies, closing date, and any seller obligations. We explain the meaning and effect of each clause and how it ties to the timeline for completing inspections, securing financing, and closing. When concerns are identified, we prepare proposed contract amendments or clarifications that protect client interests while remaining practical. Our goal is to make sure the contract accurately reflects the parties’ agreement and reduces the risk of misunderstanding as the deal progresses.
Preliminary Title Search and Issue Identification
A preliminary title search reveals recorded liens, easements, and other matters that could affect transfer of ownership. We analyze search results and explain whether any items will need resolution prior to closing. If payoff amounts or releases are required, we coordinate with lenders, creditors, and title agents to ensure those matters are addressed in time. Early attention to title issues gives both buyer and seller clear next steps and helps avoid last-minute delays at settlement.
Step Two: Negotiation, Resolution, and Document Preparation
After identifying contract or title issues, we assist with negotiations related to repairs, credits, or payoff arrangements and prepare the documents needed to implement agreements. This step may include drafting addenda, coordinating release paperwork for liens, preparing deed and closing affidavits, and confirming the final settlement figures. We work to document all agreed changes so that the closing statement accurately reflects credits, prorations, and payoffs and so no party faces unexpected costs at settlement.
Negotiating Repairs or Credits After Inspection
When inspection reports lead to repair requests or credit proposals, we help frame reasonable requests and document agreed remedies in contract addenda. Clear written agreements about who will perform repairs, the timeline for completion, or the agreed credit amount help prevent disputes at closing. We also ensure any repair obligations are realistic and that the parties understand how the repair outcomes affect the final settlement figures and the closing timeline.
Preparing Closing Documents and Coordinating Payoffs
As closing approaches, we prepare and review the deed, settlement statements, and any affidavits required for recording. We also coordinate payoffs for existing mortgages, liens, and taxes to ensure title can be transferred free of encumbrances. Confirming the accuracy of the closing statement and arranging for proper documentation and signatures helps prevent recording delays and ensures the property transfers in accordance with the parties’ agreement.
Step Three: Final Review and Closing Coordination
In the final phase we confirm that all contingencies have been satisfied or properly waived, review final settlement figures, and coordinate the signing and recording of documents. We are available to attend closing or to coordinate remotely when permitted, and we confirm that the deed is recorded and the transaction funds are disbursed in accordance with the settlement statement. After closing, we provide copies of recorded documents and answer any follow-up questions about ownership or post-closing obligations.
Final Document Review and Settlement Confirmation
Before documents are signed, we perform a final review to verify that the settlement statement reflects agreed amounts, that any credits or payoffs have been properly included, and that the deed language matches the parties’ intent. This review reduces the risk of errors or omissions at settlement and helps ensure the recording process can proceed without further corrections. If anything unexpected appears, having legal representation available at this stage helps address it in real time.
Post-Closing Follow-Up and Document Delivery
After closing we confirm that the deed has been recorded and provide clients with final copies of recorded documents and closing statements. We also address any post-closing tasks such as forwarding title insurance policies, handling outstanding record requests, or advising on minor follow-up items related to prorations or final billing. This follow-up ensures clients have the documentation they need and a clear understanding of how the transaction was completed under Tennessee recording procedures.
Frequently Asked Questions About Residential Purchases and Sales
What should I look for in a residential purchase agreement in Jellico?
Review the purchase agreement for clear deadlines for inspections, financing, and closing; for any contingencies protecting your position; for accurate identification of the parties and the property; and for any unusual fees or conditions. Pay attention to who is responsible for repairs, the allocation of closing costs, and any required disclosures. Understanding each provision helps you know your obligations and the timeline for completing steps before closing. If the contract contains unfamiliar language, seek clarification so you can proceed confidently. A careful review reduces the likelihood of last-minute surprises and provides a clearer path toward settlement.
How long does a typical home closing take in Campbell County, Tennessee?
A typical closing timeline depends on financing approval, title clearance, and the complexity of the transaction. Cash purchases often close faster, while financed purchases may require lender underwriting, appraisal, and final approval, which can extend the timeline. In Campbell County, once underwriting is complete and title issues are resolved, the closing itself usually takes place according to the agreed date, but coordination among buyer, seller, and lender can affect scheduling. Planning for potential delays and maintaining open communication with your lender and closing agent helps keep the process on track and reduces unexpected timing issues.
What is a title search and why does it matter?
A title search reviews public records to identify liens, judgments, easements, or other matters that could affect the buyer’s ownership rights. It is important because unresolved claims against the property may prevent a clean transfer of title or create future liability for the buyer. Discovering title issues early allows time to arrange payoffs, corrective deeds, or other remedies. Title insurance is often recommended to protect the buyer and lender from certain covered losses that might arise from undisclosed title defects. Resolving title matters before closing helps ensure the deed can be recorded without further complications.
Who pays closing costs and how are they allocated?
Who pays closing costs is typically negotiated in the purchase agreement and influenced by local custom. Common costs include title insurance, recording fees, lender fees, and prorated property taxes, among others. Buyers often pay lender-related fees and title insurance for the lender, while sellers may pay the owner’s title insurance policy or certain closing fees, but these allocations vary by transaction. Reviewing the closing statement in advance helps ensure the amounts align with contract terms. Clear documentation of agreed allocations prevents misunderstandings at settlement and helps both parties prepare financially.
What happens if an inspection reveals major repairs are needed?
If an inspection reveals major repairs, the buyer and seller typically negotiate remedies such as seller-performed repairs, a credit at closing, or a price adjustment. The purchase agreement’s inspection contingency sets the timeline and procedures for requests and responses, and the parties should document any agreed changes in a written addendum. If parties cannot agree, the buyer may choose to proceed as-is, accept a credit, or terminate under the contingency, depending on the contract terms. Clear, timely communication and documented offers and responses support a smoother resolution and avoid disputes at closing.
Do I need title insurance when buying a home in Jellico?
Title insurance protects the buyer and lender against covered losses from certain title defects that may surface after closing, such as undisclosed heirs or recording errors. While not always mandatory, lenders generally require a lender’s title policy to protect their loan interest. Buyers often purchase an owner’s policy to protect their own ownership interest. Discussing the scope and cost of title insurance during the title review phase helps buyers understand available protections. Purchasing appropriate coverage provides an additional layer of assurance regarding recorded ownership rights after settlement.
How are disputes about repairs or contract terms usually resolved?
Disputes over repairs or contract terms are commonly resolved through negotiation between the parties, often with the assistance of their agents or legal counsel. Documenting offers and responses in writing and using clear addenda helps prevent misunderstandings and provides a trackable record of agreed remedies. If negotiations fail, the contract may permit remedies such as termination under a contingency or escalation to mediation or other dispute resolution mechanisms. Early legal involvement helps preserve options and clarifies the consequences of different decisions under Tennessee contract rules and the specific purchase agreement.
What special considerations apply to estate sales of residential property?
Estate sales may require additional documentation to show that the seller has authority to transfer the property, such as letters testamentary or trustee certifications. In some cases, court approval or additional filings are needed under Tennessee probate procedures to confirm the sale. Legal review ensures documents reflect the estate’s authority and that the deed and closing documents comply with required forms. Coordinating the necessary estate paperwork in advance reduces the risk of invalid transfers and helps the buyer obtain clear title. Professional legal coordination is often helpful to meet all probate requirements efficiently.
Can I close if my lender funding is delayed?
If lender funding is delayed, the parties may agree to reschedule the closing or to extend deadlines under the contract if permissible. Some purchase agreements include provisions for funding delays and describe remedies or extension procedures. Timely communication with the lender and the other party is critical so all participants understand the reasons for the delay and options to proceed. In some situations, the buyer may seek a bridge solution or the seller may permit a short extension. Documenting any agreed change to the closing date in writing protects both parties and preserves contractual clarity.
How do I confirm the deed was recorded after closing?
After closing, confirmation that the deed was recorded can usually be obtained from the closing or title agent and by checking Campbell County land records. The recorded deed will show the buyer’s name and the official recording reference. Once the deed is recorded, the buyer should receive copies of the recorded deed and final settlement statement. If there is any uncertainty, the buyer or their representative can request a recorded document search for confirmation. Retaining copies of all closing documents and the recorded deed is important for future proof of ownership and tax or refinancing needs.