How does the land registry interact with title documents at closing?

How does the land registry interact with title documents at closing?

• A. They are recorded with the local courthouse and not the land registry.
• B. The transfer instrument and related title documents are registered or recorded in the land registry.
• C. They are not recorded; ownership is transferred by oral agreement.
• D. They are recorded only after a final inspection.

Answer: (B)

At closing, the transfer instrument (the deed) and all related title documents are filed with the land registry to be registered or recorded. This step makes the new owner’s name officially appear in the public title record and notes any liens or encumbrances, such as a mortgage. Registration provides real, lasting notice to the world about who owns the property and what claims are on it, and it secures the lender’s security interest as a recorded charge. If the documents weren’t registered, the buyer wouldn’t have an officially recognized title against third parties, and the lender’s lien wouldn’t be properly protected. Oral transfers or relying on an inspection alone don’t change the official record, so those options don’t reflect how title passes at closing.

At closing, the transfer instrument (the deed) and all related title documents are filed with the land registry to be registered or recorded. This step makes the new owner’s name officially appear in the public title record and notes any liens or encumbrances, such as a mortgage. Registration provides real, lasting notice to the world about who owns the property and what claims are on it, and it secures the lender’s security interest as a recorded charge.

If the documents weren’t registered, the buyer wouldn’t have an officially recognized title against third parties, and the lender’s lien wouldn’t be properly protected. Oral transfers or relying on an inspection alone don’t change the official record, so those options don’t reflect how title passes at closing.