How can I verify the ownership of the property seller in the Philippines

Verifying the ownership of a property is a crucial step in the real estate transaction process to ensure that you are dealing with the legitimate owner. Here are several methods you can use to confirm the ownership of a property:

1. Request Proof of Ownership:
   • Ask the person you’re dealing with to provide documentary proof of ownership, such as a copy of the title deed (Transfer Certificate of Title or TCT for land, or Condominium Certificate of Title or CCT for condominium units).
   • Make sure the document includes the owner’s name and other relevant details that match the information provided by the seller.
   • If the owner is unavailable to meet with you personally or residing abroad, please request a notarized Special Power of Attorney (SPA) if the owner is located in the Philippines, or a consularized SPA if the owner is residing abroad
2. Check Government Records:
   • Visit the Register of Deeds office (RDO) or request for Certified True Copy of Title through eSerbisyo https://eserbisyo.lra.gov.ph/
   • Examine the title document for any encumbrances, mortgage, liens, or annotations that may affect the property’s ownership status.
   • Ensure that the individual you are conversing with matches the name listed as the owner on the Transfer Certificate of Title or TCT for land, or Condominium Certificate of Title or CCT for condominium units
3. Cross-Reference Identification:
   • Ask the person claiming to be the owner for valid identification, such as government-issued IDs like a driver’s license, passport, or national ID card.
   • Verify the information on the identification document with the details provided in the property documents and other transaction-related paperwork.
   • Verify the signature of the owner against the one provided on the government-issued identification.
4. Consult a Real Estate Professional:
   • Seek assistance from a licensed real estate agent, broker, or lawyer who can help verify the ownership of the property.
   • Real estate professionals have access to resources and databases that can be used to confirm property ownership and investigate any discrepancies.
5. Direct Communication with the Owner:
   • If possible, try to communicate directly with the registered owner of the property to confirm their identity and ownership status.
   • Arrange a meeting or phone call with the owner to discuss the property transaction and ask any relevant questions to establish their ownership.
6. Visit the Property:
   • Arrange a site visit to the property and meet with the owner in person, if feasible. This allows you to verify their identity and discuss the transaction details face-to-face.
   • Make sure that the owner pays the HOA, Association dues, RPT and other taxes
   • Make sure that there is no informal settlers in the property

By employing these methods and exercising due diligence, you can minimize the risk of fraudulent transactions and ensure that you are dealing with the rightful owner of the property. If you encounter any doubts or inconsistencies during the verification process, it’s advisable to seek guidance from legal or real estate professionals.