In this guide
- Understand the title types
- How to verify at the Registry of Deeds
- Red flags to watch out for
- Get professional help
Understand the title types
The most common are Transfer Certificate of Title (TCT) for land and improvements, and Condominium Certificate of Title (CCT) for condos. A 'mother title' refers to the original title before subdivision.
How to verify at the Registry of Deeds
Visit the Registry of Deeds where the property is located. Request a Certified True Copy of the title. Check for: matching name and address, property description, encumbrances/annotations, and any liens.
Red flags to watch out for
Be wary of: photocopies presented as originals, tampered or smudged seals, owner's duplicate not matching the registry copy, recent annotations of mortgages or adverse claims, and titles with multiple subdivisions.
Get professional help
For high-value transactions, hire a real estate lawyer to do due diligence. The cost is typically ₱10,000–₱30,000 and can save you millions in losses.
Quick Tips
- ★ Always insist on the Certified True Copy from the Registry of Deeds.
- ★ Check the title's history — multiple recent transfers can be a red flag.
- ★ Verify the seller's identity matches the title owner's name exactly.
Ready to take the next step?
Browse listings or speak with a verified agent for personalized guidance.