Property Registration MD – Simple Step‑by‑Step Guide

Got a new house, condo, or land in Maryland? Before you can call it yours, you need to register the property with the county. It sounds formal, but the process is pretty straightforward if you know what to bring and where to go.

Key Documents You Need

First, gather the paperwork. The core document is the deed that shows you as the buyer. Make sure it’s signed by the seller and notarized. You’ll also need a copy of the closing statement (often called the HUD‑1) that lists the purchase price and any adjustments.

Other common items are:

• Proof of identity – driver’s license or state ID.
• Mortgage payoff statement if the seller still has a loan.
• Any existing liens or judgments that must be cleared.
• Property tax receipt for the current year.

If you’re buying from a builder, the builder’s affidavit about the property’s condition is also required. Keep everything in PDF or paper form; the county will ask for either.

Step‑by‑Step Filing Process

1. Choose the right county office. In Maryland the Recorder of Deeds handles registration. Find the office for the county where the property sits – for example, Baltimore City, Montgomery, or Prince George’s.

2. Pay the filing fee. Fees vary by county and by the deed’s value, but they usually range from $30 to $80. Some counties let you pay online with a credit card; others require cash or check.

3. Submit the deed. Hand the signed, notarized deed and supporting docs to the clerk. If the county offers e‑filing, upload the PDFs and follow the prompts. The clerk will review the pages for completeness.

4. Get the receipt. Once the clerk processes your file, you’ll receive a receipt with a tracking number. Keep this safe – it proves the registration is in progress.

5. Wait for recording. Recording usually takes 1‑3 business days, but busy periods can stretch it to a week. When it’s done, you’ll get a certified copy of the recorded deed. This copy is the legal proof you own the property.

6. Update your title insurance. If you have a title policy, send the recorded deed to your insurer so they can update their records. This protects you from future claims.

Quick tips to avoid delays:

• Double‑check that the deed is signed by the correct party and notarized.
• Make sure the property description matches the tax map parcel number.
• Pay any outstanding property taxes before filing; unpaid taxes can block recording.
• Ask the clerk if you need a separate affidavit for any existing mortgages.

That’s it. Registering a property in Maryland doesn’t require a law degree, just the right forms and a few minutes of your time. Do it right the first time and you’ll have clear ownership without headaches later.