What is the chain of title and why does it matter?

The chain of title is the complete history of ownership of a property from the original grant to the current owner, traced through recorded deeds and other documents. A clean chain of title means every transfer was properly executed, delivered, and recorded with no gaps, missing heirs, or conflicting claims. A break in the chain, such as a missing deed or an improperly executed transfer, creates a cloud on title that may prevent the current owner from proving clear ownership. Title searches examine the chain to identify and resolve any breaks before closing.