Escrow & TitleIntermediateCalifornia Exam

What is 'chain of title'?

AA series of lenders who have held the mortgage, as typically handled by an escrow officer
BThe chronological sequence of historical title transfers from the original source to the current ownerCorrect
CA restriction on who may hold title to a property, consistent with standard title insurance practice
DThe list of escrow holders involved in past transactions, per customary closing procedure in California

Why The chronological sequence of historical title transfers from the original source to the current owner Is Correct

Answer B: The chronological sequence of historical title transfers from the original source to the current owner

The chain of title is the sequential history of all ownership transfers for a parcel of real property, traceable from the original patent (government grant) through each successive conveyance to the present owner. Title searchers examine the chain to find defects.

Exam Tip: Escrow & Title

Escrow questions test the neutral third-party role and the sequence of closing events. Remember that the escrow agent acts as a dual agent for both buyer and seller and cannot advocate for either side.

Key Escrow & Title Terms in This Question

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