Posted by Rachel/ORWA on 6/20/07 8:48am
Msg #195930

"legal" property address?

I have a signing today for which the property address throughout the entire package is listed as 1230 Back Country Road 2003. I called the SS to notify them of what I thought was a mistake (thus displaying my ignorance, argh) and was informed that it is just a legal description. I haven't seen this before, in my limited experience, and would appreciate someone explaining it to me.

Reply by Lee/AR on 6/20/07 9:09am
Msg #195938

Well, I am confused. 1230 etc., sounds more like the 'commonly known as' and NOT a legal description (which usually starts with is something like Lot 2 of Block 7 or, if it's as rural as it sounds, Part of the NW Quarter....& goes on for a paragraph or two.)

Reply by BrendaTx on 6/20/07 9:22am
Msg #195945

Re: "legal" property address? Rachel

I agree with Lee. If the addy is similar to what you wrote then I think the SS is blowing smoke up your skirt out of their own ignorance.

Just for future reference, the "legal description" is not usually where the common street address is on loan documents.

Reply by Rachel/ORWA on 6/20/07 9:26am
Msg #195947

Re: "legal" property address? Rachel

Any suggestions on what I do now? This particular SS is EXTREMELY reputable, according to all I've read on this site, although it's my first time working with them. I'd hate to have there be an issue after the TC gets the docs.

Reply by Lee/AR on 6/20/07 9:33am
Msg #195952

Re: "legal" property address? Rachel

To answer this question: You've conveyed your concerns; they say 'go'. Document, go, get paid for it and maybe do it again when they figure out it needs fixin' and get paid for that, too.

Reply by Rachel/ORWA on 6/20/07 9:23am
Msg #195946

Exactly! I've seen plenty of legal descriptions of property boudaries (e.g., beginning at the NW corner of the SW quarter of Section 1 of Township 10, etc. etc.) but never knew there could be a "legal" adress different from street adress. ???

Reply by BrendaTx on 6/20/07 9:27am
Msg #195948

Re: "legal" property address? Wait a minute...

Could this be the official "911" address?

I have seen this in Texas.

What used to be

Rt. 3, Box 28A, CR 445,

could easily now be

10322 Tonkawa Road (CR 445).

Reply by Rachel/ORWA on 6/20/07 9:31am
Msg #195950

Re: "legal" property address? Wait a minute...

I'm not familiar with how that works, so I suppose it could be... However, to my knowledge, this road has never been a RR, or anything of that nature. It's been a main road for years and years.

OT:Sorry for the delayed responses on the forum; I'm chasing my 18mo old daughter around in between times.

Reply by Becca_FL on 6/20/07 9:36am
Msg #195954

Re: "legal" property address? Wait a minute...

Why not look up the address on the property appraiser’s site and see what the legal description is?

http://floridasnotary.com

Reply by Rachel/ORWA on 6/20/07 9:42am
Msg #195958

Re: "legal" property address? Wait a minute...

I hate to display my ignorance again, but how do I do that?

Reply by Becca_FL on 6/20/07 9:55am
Msg #195962

Re: "legal" property address? Wait a minute...

What State and County is the property in? I'll find a link for you.

Reply by Becca_FL on 6/20/07 9:58am
Msg #195965

Re: "legal" property address? Wait a minute...

How about correct grammar? In what State and County is the property located? Better?

Reply by Rachel/ORWA on 6/20/07 10:05am
Msg #195969

Re: "legal" property address? Wait a minute...

Heehee. (How's that for proper grammar?)
Oregon: Hood River County

Reply by Becca_FL on 6/20/07 10:19am
Msg #195978

Re: "legal" property address? Wait a minute...

Well, Hood River County, OR does not offer the public access to public records online. We tried.

http://www.co.hood-river.or.us/HRCG_Template_Department.asp?PageINDX=15


http://floridasnotary.com

Reply by Rachel/ORWA on 6/20/07 10:25am
Msg #195979

Re: "legal" property address? Wait a minute...

Thanks, anyway. It was kind of you to do that.

Reply by Lee/AR on 6/20/07 9:30am
Msg #195949

Ummmm.... I go to many very rural places. In Arkansas, when an address starts with HC (a number).... oh, do I know to charge more! HC means Hired Carrier--it's so far into the boonies that the Post Office won't go there. HC routes can be anywhere--up this road, make a left onto that one & a right on the next. In these cases the 'legal address' might be 1230 (whatever the rest of your example was) whereas the 'mailing address' is HC 5 Box 12. Hope that all made sense. Oh, and you can't MapQuest these as HCs don't exist. Lotsa fun.

Reply by Rachel/ORWA on 6/20/07 9:34am
Msg #195953

Good info for future reference; didn't know that either!
However, this address is right around the corner from me. It's in an unincorporated area, but by no means the boonies... although when I lived in a nearby city, in my younger, more arrogant days, I would have thought it was!

Reply by Becca_FL on 6/20/07 9:33am
Msg #195951

There are four types of legal property descriptions.

Metes & Bounds
Lots & Blocks
Government Land Survey
Monuments

The most commonly used are Metes & Bounds and Lots & Blocks. I've never seen a GLS or Monument description in my 6+ years in the business. What you have described doesn't sound like any of the above. ???????

http://floridasnotary.com

Reply by PL on 6/20/07 9:52am
Msg #195959

Is this the address you are meeting them?

Also is this the address that shows on the DOT, that they are promising?

Reply by Rachel/ORWA on 6/20/07 9:56am
Msg #195964

Re: No and Yes...

I am meeting them at their business, and yes it is the address listed on the DOT.

Reply by PL on 6/20/07 10:04am
Msg #195968

Maybe I don't get your question.

When you show up and that is the address on their license, that should be the end of it. I had something similar the other evening, that the # in their address on the paperwork was incorrect, so we went through and corrected the error. The SS did not like it, but the TC called and thanked me, for they knew that you can't promise property on a DOT that does not exist.
I think you are worrying about nothing.

Reply by Rachel/ORWA on 6/20/07 10:07am
Msg #195970

Re: Maybe I don't get your question.

If it were you, would you correct the docs despite the SS not wanting you to? (I'm pretty sure the address in the docs is not going to match the DLs.)

Reply by PL on 6/20/07 10:09am
Msg #195971

Just ask them if that is their address.

If not then call the SS and state that the address is wrong on the packet and what would you like me to do?

Reply by Joe Ewing on 6/20/07 10:18am
Msg #195976

I NSA'ed one with a 2 page legal discription. The tough part was finding that house at night!

Reply by LJ on 6/20/07 10:58am
Msg #196000

Had one last Sat where address did not come up on any mapping system. I called them to ask for directions figuring it was a new subdivision that hadn't gotten into the system yet. He gave me another address for the same property and that came up on mapquest. What the 911 sysytem did was address their house in with 3 other houses behind him as a subdivision although his house sits right on the road and the others don't. It was confusing and I feel sorry for them. They have had the same address for 25 years and now its different. Some mail gets delivered and some doesn't, gets sent back. Having a hubby that works closely with 911 addressing system he tells me that Post Offices, cities and towns all try to address a lot. 911 will always win out, they come first.

Reply by Rachel/ORWA on 6/20/07 11:04am
Msg #196004

So, in your opinion, if this is a legal, i.e., 911 or some such thing, address but is NOT the same as their DLs, will the TC run into trouble recording it (if left as is)?

Reply by hcampersFL on 6/20/07 11:07am
Msg #196007

The Drivers license doesn't have to match the address on the DOT. Don't get hung up on this. You have got an answer from the folks that hired you. If it is wrong it will fall back on them.
You are trying to see the forest in spite of the trees.

Reply by Rachel/ORWA on 6/20/07 11:33am
Msg #196017

Re: Thanks!

Thank you everyone; the general consensus (sp?) seems to be to go with the SS's direction, which I shall do. You are all terrific!

Reply by AE/ORWA on 6/20/07 2:29pm
Msg #196082

Re: Thanks!

Rachel (and everyone else who's interested)

Legal descriptions of property in the Pacific NW especially in the rural counties almost always contain the Township and Range in whatever direction of the Willamette Stone, which is located in Portland's West Hills. Townships run North and South. The axis is called the Willamette Meridian and stretches from the California border to the Puget Sound, while Ranges East and West, where the axis is called the Baseline, which stretches from, the Coast to the Idaho border. Each township is 6x6 miles and divided into 36 sections of 1x1 mile. These are numbered starting in the Northeast corner of the township. (So, Section 1, R10E, T1N would be the 1 square mile in the far northeast corner of the township that is loacted approx 60 miles east of the Willamette Meridian and 1 mile north of the Baseline, somewhere in the vicinity of Mt. Hood, I would imagine.

Hope this was not too off topic...