Sample layout only. Avery Quill and Jordan Ellis, the streets, and the dollar figures are fictional. The Cook sample shows a high-equity estimate. The DuPage sample shows a high-rate flag. Neither file is a county record or a loan offer. Why these records matter.
Real Estate Title Search Report
Prepared Exclusively for
AVERY QUILL
Owner
AVERY QUILL
Property
18 HICKORY LANE, CHICAGO 60600
County
COOK COUNTY
St
IL
Effective
11/12/2026
Order#
TITLEXSI-COOK
Summary
Overall
NEEDS A PERSON
Open mortgages
1
Judgments and liens
0
Needs attention
SEE OPEN ITEMS BELOW
What this means
This page is the whole search in one sitting. The pages after it explain each part in ordinary language. “All clear” means the materials we actually retrieved did not show a problem. “Needs a person” means an abstractor still has to finish or read that part. “Action needed” means the record shows something you should deal with, such as a tax balance or an open lien. Nothing on this page is title insurance.
Tax Info
Tax Parcel Number
99999999999999
Tax Year
2025
Tax Status
PAID
First Installment
3,210.00
First PD
2026-03-01
Second Installment
3,210.00
Second PD
2026-08-01
Notes SAMPLE ONLY. NOT A TAX BILL.
What this means
This is whether the county shows the property tax bill as paid, still due, or in trouble. A tax sale is when the county’s process lets someone else pay the unpaid tax and start a clock on the owner. A seasonal notice printed on every bill is not, by itself, a tax sale of this home.
Assessment
Land Value
42,000
Improvement Value
126,000
Assessment Total
168,000
Fair Market Value
485,000
Exemption
HOMEOWNER
Notes SAMPLE FIGURES. ASSESSED VALUE IS NOT AN APPRAISAL.
What this means
The assessor’s file tells you the PIN, the name they mail, and the value they use for taxes. Assessed value is not what the house would sell for. A legal description is the lot-and-block or metes-and-bounds wording that identifies the land. If it is missing here, the section stays pending until a person types it in.
Deed
Grantor
SAMPLE SELLER FAMILY TRUST
Grantee
AVERY QUILL
Dated
2018-06-01
Recorded
2018-06-14
Instrument #
FAKE-R-2018-1001
Notes FICTIONAL VESTING DEED FOR THE SAMPLE ONLY.
What this means
A deed is the document that transfers ownership. Vesting is who holds title now. The chain is the line of those transfers. A new deed to a stranger, while you still live there and did not sell, is the filing to treat as urgent. This program does not call it fraud until a person has seen the image.
Undischarged Mortgages and Encumbrances
Grantor
AVERY QUILL
Grantee
SAMPLE CREDIT UNION, ISAOA
Dated
2021-02-26
Recorded
2021-03-02
Instrument Number
FAKE-R-2021-4402
Amount
$145,000.00
Credit Line
—
Interest Rate
NOT ON THE INSTRUMENT
Assignment Grantor
—
Assignment Grantee
—
Dated
—
Recorded
—
Instrument Number
—
Notes FICTIONAL OPEN MORTGAGE. NO INTEREST RATE WAS PRINTED ON THIS SAMPLE INSTRUMENT.
Easements, rights of way and agreements
- UTILITY EASEMENT ALONG THE REAR LOT LINE, SAMPLE INSTRUMENT FAKE-E-1998-12
What this means
A mortgage is the lender’s claim until it is released. An assignment means the loan was transferred to another lender. A release means that claim was closed. Easements, covenants, and HOA claims are other rights that can stay with the land even when the loan is paid. An open mortgage is normal if you have a loan. A mortgage you never signed is not.
Equity and rate check
Assessor fair-market figure, labeled as an estimate. Original principal is a ceiling. Balances are often lower. This is not a credit pull.
- Market estimate
- $485,000
- Open principal
- $145,000
- Estimated equity
- $340,000
- Loan to value
- 30%
No interest rate was typed from the instrument. From the 2021 recording year, an approximate average 30-year rate is 3.0%. This is an inference, not the rate on the document. The benchmark is 6.50%.
Estimated equity uses $485,000 minus $145,000 of original principal (or credit line, if higher). Actual balances are often lower, so this equity figure is a conservative estimate. Equity looks high and the loan-to-value is low. If cash is needed, people in that position sometimes ask a lender about a cash-out refinance or a home-equity line. That is an option to ask about, not a recommendation to borrow. This is not a loan offer, not a credit pull, and not a credit evaluation. Talk with a licensed lender before acting.
Judgment Information
AVERY QUILL SEARCHED, NONE FOUND RECORDED.
What this means
A judgment is a court decision that someone owes money. A mechanics lien is a contractor’s claim for unpaid work. Lis pendens means a lawsuit about the property has been recorded. Foreclosure is a case to take the property for an unpaid loan. Bankruptcy is a federal case. It does not show up on the county assessor. A lien you did not hire, or a judgment you do not know, needs a person to read the names before anyone calls it yours.
Other Documents Under Owner’s Name
Type of Document
JUDGMENT
Instrument #
FAKE-N-2014-88
Recorded
2014-03-02
Parties
AVERY QUILL / EXAMPLE CREDIT UNION
Notes FICTIONAL NAME-INDEX HIT. THE NAME MATCHES AND THE ROW HAS NO PIN. MAY BE A DIFFERENT PERSON WITH THE SAME NAME.
What this means
Counties index a lot of paper by name, not only by the PIN. A name search lists every hit. Some will be this home. Some will be a different person who spells their name the same way. Each line below says which of those it looks like. A sample row is neither. It is a placeholder until the real index is read.
Notes
Reviewed by
AQ
Notes THIS PACKAGE IS TITLE PROTECTION MONITORING AND A TITLE SEARCH REPORT. IT IS NOT TITLE INSURANCE AND NOT A LOCK.
What this means
The notes and the numbered limits below are the boundary of this report. Read them before you rely on a line above. If a section still says nothing was entered, that part is not finished.
- 1. The public records from which this information was obtained were compiled by the public officials of that county, not by Company to be named. Company to be named makes no representation or warranty as to the accuracy of such records.
- 2. Company to be named shall not be liable for any inaccuracy, incompleteness, or mis-indexing which results in the information not being correctly found, or for a failure or malfunction of an information retrieval system.
- 3. Company to be named shall not be liable for failure to find public records indexed under names not given to Company to be named or not requested, even though such records are later determined to apply to the person, entity, or property you intended to be searched.
- 4. Company to be named shall not be liable for records pertaining to the person, entity, or property you intended to be searched if those records are located in offices or indexes you did not ask Company to be named to search.
- 5. Company to be named is not a law firm, is not licensed to practice law, and is not rendering or giving a legal opinion on anything.
- 6. Company to be named makes no representation or warranty as to title or lack of interest in any property, and makes no warranty, express or implied, including a warranty of merchantability or fitness for a particular purpose.
- 7. By accepting this report, the person, company, or entity to whom it is rendered is solely responsible for interpreting the information and for deciding whether it is adequate for their purpose.
- 8. This report reflects only those documents properly indexed and recorded in the named county. It does not cover matters not of record, or special taxes or assessments that are not in the County Treasurer’s records.
- 9. Company to be named shall not be liable for incidental or consequential damages. In any event, the liability Company to be named accepts is limited to the fee charged for preparation and delivery of this report.
Appendix · supporting copies
Copies dropped in at the workstation follow the write-up. Treasurer printouts, then recorded documents, then lien-registry results. These sample lines are not county images.
- Treasurer — Sample tax overview, not a county printout
- Recorded document — Sample mortgage image, not a recorded PDF