Most homeowners know to watch their bank accounts and credit reports. Fewer think to check the public records for their home. Deed fraud can happen when someone records a fraudulent document affecting a property’s ownership or title, sometimes without the owner knowing.
Marin County has a notification program to help homeowners spot a suspicious recording sooner. When a document affecting a property’s title is recorded, the County mails a notice to the homeowner’s address on file with the Assessor. The notice includes the first two pages of the recorded document. If you recognize the transaction, no action is needed. If you don’t, the letter explains how to report a potentially fraudulent transfer.
The notice is a prompt to review the document, not a guarantee that fraud has been prevented. Marin County says Recorder’s Office staff check documents for recording requirements but cannot reject an otherwise recordable document solely because they suspect fraud.
Three steps you can take
- Keep your mailing address current with the Marin County Assessor so important notices reach you.
- Read any recording notice promptly. Don’t set it aside because you aren’t planning to sell.
- Check the Recorder’s official records periodically for deeds or other documents you don’t recognize. Be especially attentive if a property is vacant or you stop receiving expected property tax mail.
If you find a recording you don’t recognize, contact the Marin County District Attorney’s Real Estate Fraud Unit promptly and consider speaking with a real estate attorney. The District Attorney investigates suspected criminal fraud but cannot represent homeowners in civil matters or provide legal advice. If you feel like you have been the victim of fraud, you can also contact Marin's Financial Abuse Specialist Team.
Your home is likely one of your most valuable assets. A few minutes spent checking a notice and keeping your contact information current can help you identify a problem early. If you have questions about a property you own or have inherited in Marin, I’m happy to help you find the right local resources.
