Question

When performing a chain of title analysis, what is the technical name for a missing link or unexplained gap in the recorded history of property ownership?

Accepted Answer

The technical name for a missing link or unexplained gap in the recorded history of property ownership is a cloud on title or, more specifically, a break in the chain of title. A chain of title is the chronological list of all owners of a piece of real estate, beginning with the original grant from the government and ending with the current owner. Each transfer of ownership is documented by a deed, which acts as a link in the chain. A break occurs when there is a period of time where no legal document exists to explain how the property passed from one person to the next. For example, if records show Person A owned a property in 1990 and Person B claimed ownership in 2000, but there is no recorded deed transferring the property from Person A to Person B, this represents a gap. Such a gap creates uncertainty regarding who has the legal right to sell or mortgage the property. To resolve this, title professionals often perform a quiet title action, which is a legal proceeding in court designed to establish clear ownership and remove the cloud from the title record.

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When performing a chain of title analysis, what is the technical name for a missing link or unexplained gap in the recorded history of property ownership?

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