I went through my homebuying archive recently and realized that I may be missing some of the relevant deeds.
I bought my house in the state of Oregon, refinanced it twice, followed by paying it off. I would like to reconstruct the entire chain of deeds that I'm supposed to have, and obtain anything I'm missng.
I do have the following documents:
- Statutory Warranty Deed, wherein the previous owner conveyed the property to me on purchase.
- Two Deeds of Trust for two different lenders, establishing my house as security for the respective loans.
- One Substitution of Trustee & Deed of Reconveyance between lenders - this relates to one of the refinancing events, where lender B took over from lender A.
- The final Substitution of Trustee & Deed of Reconveyance (STDoR) that released the house from the last lender to me on my paying it off.
My questions are: 1. Given that I refinanced twice, am I correct to expect to have another Deed of Trust and another STDoR? I think so because I believe the chain of deeds should be: Deed of Trust for the original lender A -> STDoR from lender A to lender B -> Deed of Trust #2 for lender B -> STDoR from B to C -> Deed of Trust #3 for lender C -> STDoR from C to me. 2. If I am indeed missing the 2 deeds in the middle of the chain, what's the best way to go about obtaining them? I can easily obtain any document from the county recorder's office provided I give them the instrument number. Problem is, if I'm missing 2 middle links in the chain I don't know that instrument number. (If I were missing, say, just one Deed of Trust, I could take its instrument number form the subsequent STDoR).
Thank you!
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source https://www.reddit.com/r/RealEstate/comments/k3qlqg/twice_refinanced_then_paid_off_the_chain_of_deeds/
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