LadyWolf55
Junior Member
What is the name of your state? Missouri
I purchased a home in 1992 from the Church next door. It had been their "pastor's house". They split the lot it was on, as they had built a gymnasium on part of the house's legal lot.
When I purchased it, unknown to myself (as it was my first RE purchase and I was a greenhorn) they accidently described the entire original lot on my Warranty Deed, as well as my Mortgage papers. This was the deed which was recorded.
They proceeded to sell the church three years later.
This year, the pastor of the new church called me, wanting to buy my house. He said he had "heard I wished to sell it", even though it was not up for sale. I became suspicious as to his real reason for wanting my house. I went to the courthouse and did a title search on my property.
I found out that, unbeknownst to me, the original owner filed a Correction of Warranty Deed in 1995,taking back 26 ft of my property for themselves, four MINUTES before they filed the sale of their church to the current church owners. I was never notified of this change in my deed, nor did I give permission of any kind.
Today, I was told by the title company (who bought the company from the previous owners who did the original transaction on my property) that my BANK also agreed to release the 26 ft of property from the loan back in 1995!
All without my knowledge or permission! I paid the loan off this past December, before I found out about all of this.
Is this legal? Is there a statute of limitations when a deed can be corrected? Can they change a Warranty deed without the buyer's knowledge and consent? Have Missouri or Federal laws been broken here?
I found out today, that the Church next door is trying to sell their property, and can't because of this "dispute". That is why they really called wanting to buy my property, but they were too dishonest to say so! The title company told me they would not sell title insurance for it, anyway, considering the problem.
TIA for any help you can give.
Teresa
I purchased a home in 1992 from the Church next door. It had been their "pastor's house". They split the lot it was on, as they had built a gymnasium on part of the house's legal lot.
When I purchased it, unknown to myself (as it was my first RE purchase and I was a greenhorn) they accidently described the entire original lot on my Warranty Deed, as well as my Mortgage papers. This was the deed which was recorded.
They proceeded to sell the church three years later.
This year, the pastor of the new church called me, wanting to buy my house. He said he had "heard I wished to sell it", even though it was not up for sale. I became suspicious as to his real reason for wanting my house. I went to the courthouse and did a title search on my property.
I found out that, unbeknownst to me, the original owner filed a Correction of Warranty Deed in 1995,taking back 26 ft of my property for themselves, four MINUTES before they filed the sale of their church to the current church owners. I was never notified of this change in my deed, nor did I give permission of any kind.
Today, I was told by the title company (who bought the company from the previous owners who did the original transaction on my property) that my BANK also agreed to release the 26 ft of property from the loan back in 1995!
All without my knowledge or permission! I paid the loan off this past December, before I found out about all of this.
Is this legal? Is there a statute of limitations when a deed can be corrected? Can they change a Warranty deed without the buyer's knowledge and consent? Have Missouri or Federal laws been broken here?
I found out today, that the Church next door is trying to sell their property, and can't because of this "dispute". That is why they really called wanting to buy my property, but they were too dishonest to say so! The title company told me they would not sell title insurance for it, anyway, considering the problem.
TIA for any help you can give.
Teresa