Is mortgage information publicly available

[Nazzy_17]

Hi There,
For San Diego is mortgage information publicly available? Can you see if a person paid cash or if they financed, how much of the purchase price is financed?
If so, where would I find such information.

[SD Realtor]

Go down to county records and you can find out any recorded document on any parcel. In the case of what you want, find out when they closed escrow and see if there are any mortgage liens on the home. If there is, then that indicates a mortgage is on the home. If there is not, then odds are strong that the home was bought for cash. Pretty much any note where the home is the security for the note, will be recorded.

[Nazzy_17]

Thank you for this. So this is not available/searchable online at the registry, I would have to physically go there?

[SD Realtor]

The realist tax roll that is available to realtors has the info. Ask your realtor to send you the home you are curious about.

[DataAgent]

sddt.com has a ‘home sales’ database. You can search their database in many ways ie. address, buyer name etc. Each home sale shows a ‘mortgage amount.’ However, I think the mortgage amount is the original mortgage amount at the time of purchase. It is not updated for refi’s.

sddt.com is not free. I think it’s $100 a year.

[UCGal]

[quote=Nazzy_17]Thank you for this. So this is not available/searchable online at the registry, I would have to physically go there?[/quote]

You can see if a document is recorded (but not the contents/details) for free at the county recorders website if you know the buyer’s name.

http://arcc.co.san-diego.ca.us/services/grantorgrantee/search.aspx

If you see a “trust deed” between the buyer and a financial institution, at around the same time as the purchase – that’s your mortgage.

You can get a copy of the document mailed to you – but that costs money.

I believe you can see the document if you go in person to the recorders office… but I haven’t done that. But you’d have to pay for a hard copy if you wanted a print out.

[lookingtobuy]

You can also get the name of the owner on record by using the county’s tax assessor database

https://www.sdctreastax.com/ebpp3/(nebesr45424viueo2ulcphjo)/start.aspx

This coupled with the county recorder’s website will get you what you need.

[earlyretirement]

I never found any way to get the mortgage information free but I bought several while we were house hunting a few years ago and it had all the mortgage information including refinances.

I’d go with the 5 reports for $15 option so only around $3 @.

http://www.myfico.com/Products/PropertyReport/

[Author]

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