How to Protect Your Ohio Home From Deed and Title Fraud

A Threat That's Easy to Overlook

Deed and title fraud happens when someone files a forged or fraudulent document, such as a fake deed or a fraudulent satisfaction of mortgage, in the public record in an attempt to claim ownership of a property that isn't theirs. County recorders across Ohio, including in Stark County, have issued public warnings about the growing number of these schemes, which can target owner-occupied homes, vacant properties, and rental units alike. Because recording offices generally cannot verify signatures at the time of filing, a fraudulent document can sometimes make its way into the public record before anyone notices.

Who Fraudsters Typically Target

While anyone can be a victim, certain types of property are more attractive to scammers, including homes owned free and clear of a mortgage, vacant or inherited properties that aren't closely monitored, rental properties where the owner doesn't live nearby, and homes owned by elderly individuals who may be less likely to check public records regularly.

• Homes with no mortgage, making the fraud harder for a lender to catch
• Vacant or inherited properties that sit unmonitored for long stretches
• Rental properties owned by out-of-area landlords
• Homes owned by elderly or vulnerable individuals

Practical Steps to Protect Your Property

Fortunately, Ohio homeowners have several practical, low-cost ways to reduce their risk and catch fraud early if it happens.

• Sign up for a free property fraud alert service through your county recorder's office, which notifies you whenever a document is recorded against your property
• Periodically check your property's records directly with the county recorder or auditor
• Keep your mailing address current with the county so official notices reach you
• Shred or securely store documents containing your signature, notary information, or property details
• Be cautious about who has copies of your deed, especially contractors, caregivers, or new acquaintances

What to Do If You Discover Fraud

If you find a fraudulent document recorded against your property, acting quickly is important. Ohio has enacted legislation, including provisions addressed in recent deed fraud legislation, aimed at making it easier for victims to challenge fraudulent filings and clear their title. Start by contacting the county recorder to document what was filed and when, then consult with a title company or real estate attorney about the process for correcting the public record and, if necessary, quieting title through the courts.

How a Title Company Helps

A title company does more than issue a policy at closing. During a title search, a skilled examiner is trained to spot irregularities, gaps in the chain of title, or documents that look inconsistent with the property's history, which can flag potential fraud before a sale or refinance moves forward. If you're buying, selling, or refinancing a home anywhere in Ohio, working with an experienced title company adds another layer of protection against deed and title fraud.