Normally, the purpose of requesting a "chain of ownership" (which is not searched) on a current owner search is to satisfy any concerns that there have been fraudulent land-flips in the past. However, 20 years would seem quite excessive for such a purpose; generally a 24-month chain of title is sufficient and will satisfy HUD and FHA.
Why 20 years? I have no idea... someone got a crazy idea in their head and they decided to get one for the file.
Best,
Robert A. Franco
SOURCE OF TITLE
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