Which items are components of a full property title report?

• A. Physical inspection of the property, a search of the public records, and a survey.
• B. An appraisal, a zoning report, and a property inspection.
• C. A current mortgage statement, tax bill, and abstract.
• D. A title insurance policy, a property tax record, and a deed.

Answer: (A)

A full property title report focuses on establishing who owns the property and what claims, liens, or defects might affect that ownership. The search of public records is essential because it reveals the chain of title, recorded liens, judgments, easements, and restrictions that could impact marketable title. A survey is included to verify the exact boundaries and to uncover boundary issues or encroachments that aren’t always visible in records. Including a physical inspection of the property helps identify issues that records alone may miss, such as unrecorded occupancy or rights that could affect title later on.

Other items like an appraisal, zoning report, or a general property inspection don’t directly address title quality. A current mortgage statement, tax bill, or abstract may be part of related due diligence, but they don’t constitute the core components of confirming title in a title report. A title insurance policy, a property tax record, and a deed are connected to title in different ways, but they’re not the components that make up the title report itself.