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Chain of title

The recorded sequence of a property's ownership

The chain of title is the recorded sequence of conveyances by which a property's ownership descends — each deed's grantee becoming the next deed's grantor, back through the record. An unbroken chain is what searches verify and insurers underwrite; breaks — a grantor who never appears as grantee, an estate that never administered, an entity that dissolved mid-chain — are the defects title practice exists to cure.

Beyond conveyancing, the chain is investigative material: it dates ownership eras, connects entities that share principals across transfers, and contextualizes prices (the parties' relationship shows in the chain before it shows anywhere else). Reading a chain is reading a property's institutional biography.

See Chain of title in context on a real lot

PearlAudit resolves the governing zoning for any NYC tax lot — district, overlays, special districts — and cites the Zoning Resolution section behind every rule claim.

Definition last reviewed 2026-07-11. Educational content, not legal advice.