s/he hopes not. once again, depends on the state and lender, but on purchases, most lenders require 35/40 year searches. for refinances, it's just a current owner search and 24 month chain of title. some lenders also allow you to go to the previous title insurance policy (as that covers anything prior to its issuance) and search from that point forward, but older attys think that's a cheap way out. the main thing is to find the deeds of trust on the property, see who really owns it, make sure all of them are either involved in the transaction, gave up their rights, or are dead, and also check judgments/special proceedings (small claims court) against those involved. then to make sure that the new stuff goes on record as it's supposed to.