Escrow & Title
In Oregon, recording a deed in the county records provides:
AActual notice only to adjacent property owners
BConstructive notice to the world — any person is legally deemed to know of recorded documents✓ Correct
CNotice only to the county assessor
DNo legal significance unless combined with physical possession
Explanation
Recording a deed in the county deed records (with the County Clerk or County Recorder) provides constructive notice — the legal presumption that everyone knows about the recorded instrument, whether or not they actually searched the records. Oregon's recording statute (ORS Chapter 93) protects subsequent purchasers and lenders who record first, against prior unrecorded interests.
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Key Terms to Know
Deed
A written legal instrument used to transfer ownership of real property from one party (grantor) to another (grantee).
Abstract of TitleA condensed history of a property's title, summarizing all recorded documents and encumbrances affecting it from the earliest record to the present.
Private Mortgage Insurance (PMI)Insurance required by lenders on conventional loans with less than 20% down payment, protecting the lender — not the borrower — against default.
Deed of TrustA security instrument used in many states instead of a mortgage, involving three parties: borrower (trustor), lender (beneficiary), and a neutral trustee.
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