An Ownership & Encumbrance (O&E) report identifies the current owner of record, the legal description, open mortgages, recorded liens, and tax status for a property. It's a fast, affordable first read on a property before committing to a full title search or making an offer.
O&E vs. a full title search
A full title search is a comprehensive examination of the chain of title used to issue title insurance. An O&E is a lighter, faster snapshot for due diligence. Use the O&E to screen a property; use a licensed title company for closing.
What's in a SimpliRE O&E
Owner and mailing address, legal description and parcel ID, open mortgages and recorded liens, and a tax-delinquency check — plus a plain-English AI summary, a source-confidence score, and a link to verify at the county.
Informational only — not title insurance, legal, or investment advice.