How to Check for Liens on Properties in Georgia

Buying a home is one of the most significant financial decisions you’ll make in your life. It represents not just a roof over your head but an investment in your future. If you are working with a Realtor like Joanna “JoJo” Jones, you are in good hands, as the appropriate professionals will help close your deal with peace of mind. However, if you are trying to investigate on your own before you close that deal, it’s essential to ensure that the property you desire is free from any legal entanglements. One of the most crucial steps in this process is checking for liens.

Liens can pose serious problems for homebuyers, leading to unexpected financial burdens or legal issues. In this comprehensive guide, we’ll explore what liens are, the types of liens you might encounter, and how to effectively check for them in Georgia.

What is a Lien?

A lien is a legal claim or right against a property that allows creditors to seek payment for debts owed. Essentially, it gives them a way to secure an obligation with the property. If a property has a lien, it means that the owner is unable to sell or refinance the property without first resolving the lien. This can lead to costly complications for unsuspecting homebuyers.

Types of Liens

Liens can generally be categorized into three main types:

Mechanic’s Liens: These liens arise when a contractor or supplier provides services or materials to a property but is not paid. If a contractor completes work on your future home and isn’t compensated, they can file a mechanic’s lien, which will attach to the property until the debt is resolved.

Tax Liens: These are filed when property taxes remain unpaid. Both state and local governments can place tax liens on properties. Additionally, the IRS can file a federal tax lien if a homeowner fails to pay federal income taxes. This type of lien can severely impact your ability to secure financing.

Judgment Liens: If a court rules that a debtor owes money to a creditor, the creditor can place a judgment lien against the debtor’s property. This lien remains in effect until the debt is settled or the lien is released.

Understanding these categories is vital for homebuyers, as each type of lien can lead to different legal and financial repercussions.

Why You Should Check for Liens Before Buying

Failing to check for liens can lead to several unfortunate scenarios. For instance, you might find yourself responsible for settling the previous owner’s debts. This could mean paying off contractor fees, back taxes, or court-ordered judgments—adding thousands to your initial investment. Moreover, liens can complicate the sale process or even prevent it altogether. This is why working with a seasoned professional like Joanna “JoJo” Jones is so important.

Remember, to protect yourself and your investment, it’s crucial to conduct a thorough lien search before making a purchase.

How to Check for Liens on a Property in Georgia

Fortunately, there are several methods to check for liens on properties in Georgia. Here are some practical steps you can take:

1. Online Searches

Many counties in Georgia offer online resources for property records. You can start by checking the county assessor’s website or the county register of deeds. Here’s a step-by-step guide on how to do this:

Visit the County Assessor’s Website: Locate the official website for the county in which the property is located. For example, if you’re interested in a property in Bibb County, you should go to the Bibb County Assessor’s Office website.

Enter the property address or the current owner’s name to access public records.

Search Property Records: Most county assessor’s websites have a property search tool.