The Columbus Dispatch

Small errors are big deal in deed

- Send questions to Real-Estate Matters, 361 Park Ave., Suite 200, Glencoe, IL 60022, or contact author Ilyce Glink and lawyer Samuel Tamkin at www.thinkglink.com.

you should go back to the attorney and have the deed corrected because there are a few things that must be accurate on a deed to avoid complicati­ons down the line, including the names of the owners, the names of the buyers, the tax parcel identifica­tion number, the address and the legal descriptio­n.

Before we go into details, we do want you to make sure that the “error” you think is there is truly an error. If you have a survey of your property, the survey should have a matching legal descriptio­n to the deed and your title insurance policy, if you got one when you purchased the home. If all three legal descriptio­ns match, we would question whether you have an error in the legal descriptio­n.

Assuming you’ve already done this, or somehow verified the informatio­n, we’re guessing you’ve determined that the error definitive­ly exits.

If the survey legal descriptio­n is short and rather simple, you should track it on the survey: Find the starting point for the legal descriptio­n, and follow the legal descriptio­n as if you were following directions. If the directions follow correctly on the survey, we’d guess you’re right and the deed is wrong.

Although the address is important, the legal descriptio­n is even more important. When it comes to a single family home, many homes are located in subdivisio­ns. When a seller conveys title to a buyer, the seller’s deed might contain a reference to, say, Lot 30 in such and such subdivisio­n.

If the reference to the lot is wrong, the buyer would not receive title to the right property. The same is true in condo buildings, where parking is sold separately. If there is a mistake in the parking space number listed on the deed, the buyer would technicall­y be sold the wrong parking spot.

Likewise, when a property is not subdivided, the legal descriptio­n might be referred to as a metes-andbounds descriptio­n. That descriptio­n, if the property were a rectangula­r parcel, would start at a specific point, then describe the distance to the next point with certain coordinate­s, then again to a third point by distance and coordinate­s, and finally one last distance with more coordinate­s.

If the legal descriptio­n is proper, it makes the rectangle (or whatever shape of the property), and the legal descriptio­n closes properly.

That’s why you should have the issue corrected. In some instances, the correction can be made on the original recorded document and that document can be re-recorded with the correct informatio­n and an indication that the document was re-recorded to correct a scrivener’s error.

If you purchased the property and obtained title insurance, you might be able to go back to the title company that insured your purchase and have them or the settlement agent correct the issue.

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