Not all properties are created equal—especially when it comes to title. While single-family homes and condominiums both require title insurance, the challenges and risks differ significantly. Realtors who understand these differences can set better expectations for clients and avoid surprises.
Condo Title Issues
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Association Estoppels: Every condo sale requires an estoppel certificate from the association. This document shows what the seller owes in dues, assessments, and fees. Delays in obtaining this can stall closings.
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Special Assessments: Associations may approve assessments for major repairs (like roofs or seawalls). If levied before closing, negotiations are needed on who pays.
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Shared Property Rights: Title also covers ownership of common areas. Any unresolved legal disputes within the association can complicate closings.
Single-Family Title Issues
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Boundary and Survey Disputes: Encroachments, fences over property lines, and easement conflicts are much more common with single-family homes.
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Unpermitted Work: Additions or improvements done without permits can trigger title headaches.
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Lien Variety: While condos mostly face HOA/condo liens, single-family homes can face everything from code enforcement to contractor liens.
How Realtors Can Add Value
Explaining these distinctions to clients up front helps them understand why due diligence is critical. Condo buyers shouldn’t skip the estoppel review, and single-family buyers should almost always consider a survey. A well-informed Realtor helps prevent closing surprises and build long-term trust with the client. Partner with The Title Link for expert analysis!