A Good Deed by the Dedham Fire Department

As past readers of these “Good Deeds” articles know sometimes the subject matter deals with real estate and home ownership issues.  Other times a current event, a matter involving history or just something of interest is written about.  With this article due I started looking at and writing about Groundhog Day which occurred on February 2, 2021.  This is the day a groundhog, most notably Punxsutawney Phil, comes out of his home and predicts how much time is left of winter.  There is even a movie film entitled “Groundhog Day” starring Bill Murray where everyday he wakes up reliving the same day over and over again.  How many of us have felt that this is what has been taking place during the COVID-19 pandemic?

There is a saying “Life is what happens as you are making plans”.  My plan and words for the “Good Deeds” article went right out the door when I received a call at 6:50 A.M. on Saturday morning February 6, 2021.  I will get into what happened – but this “Good Deeds” message first and foremost is “Thank you to the Dedham Fire Department for responding to and knocking down a fire that took place at the Norfolk County Registry of Deeds Building.”

That early Saturday morning call I received was to get to the Norfolk County Registry of Deeds building in Dedham.  There was not only a fire alarm sounding but there was a fire in the building.  The fast and timely response of the Dedham Fire Department was crucial in preventing what could have been a disastrous fire at the beautiful and historic Registry building in Dedham square.  No one got hurt in the fire.  No firefighter nor other first responders got hurt.  Property can be replaced but individuals not getting hurt or worse is what is most important.

How many times do firefighters respond to fire alarms going off and it was nothing?  Not in the case of this call to the Registry building during the early hours of a Saturday morning.  Firefighters, police officers and all first responders have to be ever vigilant and on top of these calls because the situations they walk in to may not be “false” or “routine”.  In this case what was later to be determined to be an electrical fire caused by a light fixture ballast was taking place in a first-floor basement area of the Registry building.  The firefighters of the Dedham Fire Department were on top of things as they came into the Registry Building using their training and skills.  The fire personnel did a wonderful job in containing the fire and putting the fire out.  You also see the work the Fire department does after a fire is put out.  The firefighters start sorting through debris, putting items on a separate tarp while other fire personnel as well as police personnel start reviewing evidence left behind by the fire.  Thank you to Dedham Deputy Police Chief Mike Buckley and Massachusetts State Police Detective Sergeant Tom Berteletti of the Office of the State Fire Marshall for their admirable professionalism and thoroughness after the fire was put out.

The words I kept repeating when I was at the Registry the morning of the fire was “It could have been worse.”  These are the words I continue to repeat when asked since about the fire.  Some might say what is the big deal of putting out a fire at the Registry of Deeds Building.  As Register of Deeds with a responsibility to make sure land records get recorded and preserved that deal with the biggest asset most of us have, our homes, my biggest concern and fear over the years has been the Registry of Deeds due to fire burning down.  Many hours of staff time have been spent looking at disaster recovery and business continuity planning. 

Dedham Fire Department

This beautiful and historic edifice built in 1903 has received extensive repairs and renovations culminating with a building rededication in 2019.  A fire that destroyed this building would be a loss from a historical and preservationist perspective.  But what about the records, indexes and land information dating back to Norfolk County’s founding in 1793?  What about the modernization initiatives that have brought computers, servers and other technological equipment into the Registry Building?  Be assured the records have been backed up on off-site computers as well as put on microfilm that is also stored at off-site facilities.  However, the business impact of not having a Registry of Deeds Building in a key component of our economy, the real estate sector, would be incalculable.  Buyers of homes, sellers of homes, lenders and banks, carpenters, developers, house builders, real estate brokers, attorneys, title examiners, engineers, house appraisers, home inspectors, tradesman and so many others have livelihoods that depend on what takes place at the Registry of Deeds Building.  So, to me putting out a fire at the Registry of Deeds Building is a real big deal as it saved the Registry of Deeds Building and all that takes place, as well as the ripple effects of what takes place, in that building.

My thanks to all first responders everywhere for what you do everyday especially with the difficulties the Coronavirus pandemic has brought on.  I am so grateful to the Dedham Fire Department for their professionalism in putting out this fire.  In thanking these first responders that morning I could tell that they felt they were “Just doing their job”.  For the Dedham firefighters it may be just doing their jobs but the effect of what they prevented is so much more.  The firefighters of Dedham did and do their jobs exceptionally well.  THANK YOU DEDHAM FIRE DEPARTMENT.

Register O’Donnell Reports Solid Real Estate Performance for 2020 Despite COVID-19

While the COVID-19 pandemic caused personal and economic upheaval in the lives of one and all, Register of Deeds William P. O’Donnell reports the Norfolk County real estate market remained viable and strong throughout the 2020 calendar year.

“By remaining open for the recording of land documents while the COVID-19 pandemic has been ongoing,” noted Register O’Donnell, “the Norfolk County real estate market was able to remain viable in 2020. Coupled with low interest rates and motivated buyers and sellers, the 2020 Norfolk County real estate market produced solid results across the board, in particular strong lending numbers.”

O’Donnell stated, “During 2020, a total of 18,413 residential and commercial real estate sales transactions were recorded, no statistical change from 2019 but a solid result nonetheless. Total real estate dollar sales, again both residential and commercial, increased 12% to $10.3 billion. The average real estate sales transaction price, combining both residential and commercial sales, was $903,423, an increase of 12% from the previous year. The increases seen in housing prices, particularly residential housing, was a direct result of buyers competing for a limited number of available housing stock.”

Register O’Donnell noted there was a total of 179,260 land documents recorded at the Registry during 2020, a 19% increase compared to the previous year. “A primary cause of the land document recording increase in 2020 was a 54% increase in the number of mortgages, including mortgage refinances and home equity loans, recorded countywide. Specifically, a total of 45,669 mortgages were recorded during the year versus 29,740 recorded in 2019. Total mortgage financing increased 18% year over year coming in at $20.7 billion. This huge increase in mortgage recordings can be attributed to historically low mortgage interest rates seen during 2020,” noted the Register.

Calendar year 2020 saw Norfolk County property owners continue to avail themselves of the protections provided by the Homestead Act. A total of 12,487 Homesteads were recorded, no statistical change from 2019. Register O’Donnell reminded Norfolk County homeowners about the importance of having Homestead protection. “A Homestead provides limited protection against the forced sale of a homeowner’s primary residence to satisfy unsecured debt up to $500,000. For more information about the Homestead, please consult the Registry’s website www.norfolkdeeds.org.”

During 2020, the Norfolk County Registry of Deeds closely monitored the foreclosure market. From April 20, 2020 through October 17, 2020 a moratorium on foreclosure and evictions was in place throughout Massachusetts. 

Register O’Donnell noted, “The Norfolk County Registry of Deeds worked in close cooperation with Attorney General Maura Healey’s office to ensure there were no abuses being perpetrated against homeowners while the COVID-19 state of emergency foreclosure moratorium was taking place. With the moratorium on foreclosures concluded, we have begun to see a small number of foreclosure deeds and notice to foreclose mortgages, the first step in the foreclosure process, cross our desks here at the Registry. We at the Registry of Deeds are very sensitive to the plight of those facing challenges paying their mortgage payments. Some of our neighbors are facing choices between paying for food and paying for housing. As we have throughout my tenure, the Norfolk County Registry of Deeds continues to partner with Quincy Community Action Programs, 617-479-8181 x376, and NeighborWorks Housing Solutions, 508-587-0950 to help anyone facing challenges paying their mortgage. Another option for homeowners is to contact the Massachusetts Attorney General’s Consumer Advocacy and Response Division (CARD) at 617-727-8400. If you or someone you know is having difficulty paying the monthly mortgage payment, please consider contacting one of these non-profit agencies for help and guidance.”

Register O’Donnell concluded, “2020 was certainly a year of challenges. The COVID-19 pandemic tested all of us in many unique and profound ways. While all of us have been impacted on a personal level, some were more economically impacted than others. Many small businesses and sectors of our economy, such as restaurant and hospitality, were devastated by the pandemic. Fortunately, the Norfolk County real estate market was able to remain viable. By listening to public health officials, practicing social distancing, implementing split shifts during portions of the calendar year, utilizing our disaster recovery site, the Norfolk County Registry of Deeds was able to remain open for business to serve our customers, the residents of Norfolk County and real estate professionals alike. By continuing to record land documents here at the Registry, sellers and buyers of real estate were able to reap the benefits of real estate transactions. Deeds excise monies collected were forwarded to the state where they helped pay for critical programs at the state, county and local levels including health care, education and law enforcement. The COVID-19 pandemic continues. Some say the worst is yet to come. "

"Please know the Registry of Deeds will do all it can to remain open for business while ensuring the safety of our employees. While our office remains physically closed to the general public, the Registry of Deeds remains operational. The Registry staff continues to record documents electronically for our institutional users, and are accepting land documents via Federal Express and regular mail. There is also a drop-off box located just outside the main entrance to our building located at 649 High Street, Dedham, MA. As your Norfolk County Register of Deeds, I want to wish of you a happy and healthy 2021, how could it not be better, and thank each and every one of you for the cooperation, patience and understanding you have shown myself and my staff during this challenging year in all our lives. Be healthy. Be safe.”

To learn more about these and other Registry of Deeds events and initiatives, like us at Facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and/or Instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.
 

Register O’Donnell Reports Solid Real Estate Performance for 2020 Despite COVID-19

 

Register O’Donnell Promotes Protection Against Real Estate Fraud

Register of Deeds William P. O’Donnell today reminded Norfolk County homeowners of a free on-line Consumer Notification Service offered by the Registry of Deeds to protect county property owners against fraud.

“The Federal Bureau of Investigation, (F.B.I.),” noted Register O’Donnell, “continues to assign resources to combat property/deed and mortgage fraud. Many jurisdictions across the country have reported unscrupulous individuals recording fraudulent land documents making it appear they own another person’s home or property. Fortunately, we have not seen this type of crime take place in Norfolk County. My intent here is not to upset county property owners but to make sure my office is out front helping consumers protect their home.”

Any owner of real property in the twenty-eight communities comprising Norfolk County can join the approximately 1,300 homeowners already utilizing the service by signing up for the Consumer Notification Service free of charge by doing the following: Go to the Registry’s website www.norfolkdeeds.org, and click on the Consumer Notification Service Get Consumer “Alerts” button to complete the initial registration. From there, follow the remaining sign-up instructions.

Once you have signed up for the service, each subscriber will be able to input two names, individual or business, and the corresponding city or town in Norfolk County for monitoring. They can monitor their real estate records for such activities as changes in deeds, mortgages, mortgage discharges, non-mortgage liens, Homesteads or other land documents that might be recorded against the property. O’Donnell stated, “The process to sign-up for the service is user friendly and will only take a few minutes of your time. While the program will not prevent the fraud, it will allow residents to find out about it in a more timely manner.”

If a document is recorded against one of the names inputted for monitoring, the subscriber will be alerted via email, usually within 24 hours. The person can check the Registry’s on-line land research records at www.norfolkresearch.org as an option. If a subscriber believes a fraudulent land record has been recorded against their property, they should then immediately contact the Norfolk County Registry of Deeds Customer Service Center at (781) 461-6101. After talking with a Registry employee, the subscriber will be given a list of public safety referrals by the Registry.

Register O’Donnell concluded, “While we live in extraordinary times, the core mission here at the Norfolk County Registry of Deeds remains the same - make sure the recording of land documents is accomplished in a secure, accurate and accessible manner. I also want to make sure my office is taking any and all steps to minimize the effects of fraudulent activity related to land document recordings. The Registry’s Consumer Notification Service provides a level of protection to the program’s subscribers against dishonest individuals who commit real estate or land document fraud. After all, the biggest asset most of us have is our home. I urge people to sign up for this free program.”

To learn more about these and other Registry of Deeds events and initiatives, like us at facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and Instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham. The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information. All land record research information can be found on the Registry’s website www.norfolkdeeds.org. Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.
 

Register O’Donnell Promotes Protection Against Real Estate Fraud

 

Register O’Donnell Discusses Need for Mortgage Transparency

 With the legislative session winding down, Norfolk County Register of Deeds William P. O’Donnell reiterated the importance he places on pending legislation to promote mortgage transparency here in Massachusetts. 

At the beginning of 2019, Register O’Donnell had two bills filed, H.1413 and S.960, which stated that when banks sold their residential mortgages to a different lending institution, that transaction, or assignment, would be required to be recorded with the relevant Massachusetts Registry of Deeds office within 30 days of its execution. 

“During the most recent legislative session,” noted O’Donnell, “both H.1413 and S.960 wound their way through the legislative process. After both pieces of legislation were filed with the Massachusetts House and Senate Clerks offices by lead sponsors Rep. William Galvin (D-Canton) and Sen. John Keenan (D-Quincy)  respectively and given a docket number, dozens of other state representatives and senators signed up as co-sponsors.  The clerks offices then gave each piece of legislation a bill number (H. 1413 and S.960). Then each bill was assigned to the Joint Committee on the Judiciary for further consideration. A public hearing on the legislation was then held where I provided arguments for supporting the legislation. The joint committee on the Judiciary reported the legislation favorably in early 2020. On February 13, 2020, H.1413, accompanied by S. 960, was ordered to a third reading by the Massachusetts House. Unfortunately, no further action has taken place on the legislation. Certainly, the members of the legislature have been dealing with many pressing matters including COVID-19 and the fiscal year 2021 State Budget.”

The Register further stated, “My specific arguments for supporting the mortgage transparency legislation included the fact the legislation would eliminate the possibility that a homeowner may not know who the holder of their mortgage is because an assignment was not recorded. Because some banks have gone out of business in previous years or merged with another lending institution, homeowners are in some instances forced to consult with the Federal Deposit Insurance Corporation website or the Massachusetts Division of Banks to determine who holds their mortgage. The legislation would make assignments of residential mortgages more transparent to the consumer.”

Another argument for the bill’s passage was that it created a more level playing field between smaller community banks and larger lending institutions. The smaller community banks tend to hold their mortgages while many larger nationwide banks are not diligent in recording their mortgage assignments.

The need for this legislation hit home recently when the Boston Globe published an article by Sean P. Murphy on December 8, 2020 which highlighted the difficulties that can result when an assignment is not recorded. O’Donnell stated, “The article spoke about a couple who had found a home in Worcester which needed work. To finance the purchase and remodeling costs, the couple wanted to sell their condo in Easton. However, a title problem developed with the Easton condo due to a mortgage assignment not being properly recorded. Because the assignment was not recorded at the Registry of Deeds, the lending institution who was the current holder of the mortgage lacked the legal authority to discharge the mortgage. A process that should have taken a few days took several weeks as two large lending institutions could not get their act together and solve the title problem by filing the assignment. After several weeks of back and forth the problem was resolved and the assignment was recorded, but only after the intervention of the Boston Globe.”

“The assignment legislation that has been filed would have eliminated this problem as an assignment would have been required to be recorded 30 days after the mortgage was transferred, or sold, to another lending institution,” stated O’Donnell.

In conclusion, Register O’Donnell noted, “With the legislative session winding down, it is unlikely the legislation, H.1413 and S.960 will advance further. However, I am not giving up the fight to help Massachusetts homeowners. I will once again be filing mortgage transparency legislation in the upcoming 2021-2022 legislative session. I am hopeful our arguments will be persuasive and after years of trying, the legislation will wind its way through the legislative process and onto Governor Baker’s desk for his signature.”

To learn more about these and other Registry of Deeds events and initiatives, like us at Facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and/or Instagram.com/NorfolkDeeds.

 

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org

 

Register O’Donnell Discusses Need for Mortgage Transparency

Register O’Donnell Reports Increased Real Estate Sales and Lending Numbers in Norfolk County

Despite continuing difficulties imposed by the COVID-19 pandemic, Register of Deeds William P. O’Donnell reported Norfolk County experienced increased numbers in real estate sales and lending activity during the month of November 2020.

“The Norfolk County real estate market,” noted Register O’Donnell, “has been firing on all cylinders during the past several months and November was no exception. 1,669 properties, both residential and commercial, were sold in Norfolk County during November, a 13% increase year over year. Average sales price, again including both residential and commercial sales, increased 7% to $1,079,955. Total sales volume during November was $1.08 billion, a 25% increase compared to November 2019. These numbers are especially impressive considering the impact COVID-19 has had on all communities, not just in Norfolk County but across Massachusetts and the United States. What factors are fueling these strong sales numbers? It appears a perfect storm of strong demand for single family housing in particular, limited supply of available housing stock, and historically low interest rates are motivating buyers to do what is necessary to secure housing.”  

In addition to real estate sales, the Norfolk County lending market also had a strong month in November. 4,312 mortgages were recorded during the month, a 49% increase year over year. Total amount of money borrowed for mortgages countywide was $1.8 billion, a 2% increase compared to November 2019. “While some of the mortgages recorded reflect new sales, we are continuing to see a large number of individuals and families refinancing existing mortgages to take advantage of historically low interest rates so they can reduce monthly payments and in other cases pay for home improvements and other capital expenditures,” noted the Register. 

The Norfolk County Registry of Deeds has been closely watching the foreclosure market. Since October 17th, there is no longer a moratorium on foreclosures and evictions. This moratorium was previously in place due to the COVID-19 state of emergency. O’Donnell stated, “During November, the Registry recorded 3 foreclosure deeds. Additionally, there were 9 Notice to Foreclose Mortgages, the first step in the foreclosure process, recorded here in Norfolk County. While a foreclosure recording is catastrophic to those it impacts, the low volume of foreclosure recordings appears to reflect lenders being sensitive to the plight of some of their customers who are in dire straits due to the economic impact of the COVID-19 pandemic. Please know we at the Registry are also sympathetic to those facing a housing crisis through no fault of their own.” 

“The Norfolk County Registry of Deeds has also been working in close cooperation with Attorney General Maura Healey’s office to ensure there are no abuses being perpetrated against homeowners while the COVID-19 state of emergency is ongoing,” noted O’Donnell. 

Additionally, for the past several years, the Norfolk County Registry of Deeds has partnered with Quincy Community Action Programs, 617-479-8181 x376, and NeighborWorks Housing Solutions, 508-587-0950 to help anyone facing challenges paying their mortgage. Another option for homeowners is to contact the Massachusetts Attorney General’s Consumer Advocacy and Response Division (CARD) at 617-727-8400. Register O’Donnell stated, “If you are having difficulty paying your monthly mortgage, please consider contacting one of these non-profit agencies for help and guidance.”

Homestead recordings increased 8% during November. “A Homestead,” noted O’Donnell, “provides limited protection against the forced sale of an individual’s primary residence to satisfy unsecured debt up to $500,000. I would urge anyone who has not availed themselves of this important consumer protection tool to consider doing so.”

In conclusion, Register O’Donnell stated, “Many small businesses and specific sectors of our economy, such as restaurant and hospitality, have been negatively impacted by the ongoing COVID-19 pandemic. One sector that has continued to thrive during the pandemic is the real estate market, particularly the residential market. There have been many factors that have kept the Norfolk County real estate market viable. Motivated buyers and sellers, low interest rates, and the Norfolk County Registry of Deeds remaining open for the recording of land documents. While the Registry of Deeds building in Dedham remains closed to the general public, we at the Registry remain open operationally to serve our customers, the residents of Norfolk County and real estate professionals alike. By listening to public health officials, practicing social distancing, making sure all staff are wearing masks and taking any and all other steps necessary, the Registry of Deeds has remained open for business. Land documents are being recorded electronically for many of our institutional users. We are also receiving documents via regular mail, Federal Express and from those placed in our drop-off box located just outside our main entrance at 649 High Street, Dedham, MA. As your Norfolk County Register of Deeds, I want to thank all of you for the cooperation, patience and understanding you have shown myself and the Registry staff while this pandemic has been ongoing. Be healthy. Be safe.”

To learn more about these and other Registry of Deeds events and initiatives, like us at facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and Instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.

Register O’Donnell Reports Increased Real Estate Sales and Lending Numbers in Norfolk County

Register O’Donnell Promotes Registry’s Social Media

Register of Deeds William P. O’Donnell today reiterated the importance he places on the Registry’s use of social media platforms to communicate directly with the citizens of Norfolk County.

“At the Registry of Deeds,” noted O’Donnell, “we put a priority on communicating with Registry users. Just because our doors close at the end of the business day doesn’t mean the Registry has to stop working for you. For example, our website www.norfolkdeeds.org allows people to look up and view scanned images of over 8 million land documents dating back to the Registry’s beginnings in 1793. Additionally, users can access our website to learn about our latest consumer protection programs. I also want people to know that Registry information is accessible not just from workstations and laptops, but also from their smartphones and tablets.”

Register O’Donnell further noted that you can print out an application of the popular Homestead Act. A Homestead provides a homeowner with limited protection against the forced sale of their primary residence to satisfy unsecured debt up to $500,000.

Norfolk County residents can also sign-up on-line for its free Consumer Notification Service. This program will alert a person anytime a land document has been recorded against their name in Norfolk County. Additionally, there is valuable county real estate information that can be researched and tracked. Someone interested in the number of residential and commercial properties sold or the average prices of property sold can find that information.  

Besides the Registry website, other forms of social media utilized by the Registry of Deeds include Facebook, facebook.com/NorfolkDeeds and Twitter, twitter.com/NorfolkDeeds. “The Norfolk County Registry of Deeds,” noted the Register, “has utilized Facebook and Twitter to provide information to the general public. By utilizing these platforms, Norfolk County residents can learn more about home ownership and other consumer initiatives like protecting themselves against Deed Scam rip-offs, along with other outreach services, including learning about Registry office hours in their local community.”

The Registry has also filmed multiple public service announcements (PSA’s) which are available on the Registry’s website and YouTube. These PSA’s have touched on a variety of issues such as assistance for residents who have received a Notice to Foreclose Mortgage from a lender.

Concluding, Register O’Donnell stated, “At the Registry of Deeds, we recognize the value of using social media platforms to forward important information to Norfolk County residents. If you have questions related to real property, I urge you to take a look at our social media offerings. As important as these social media offerings are, the Registry of Deeds has a Customer Service Center at 1-781-461-6101 where members of the public can seek assistance.”

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org
 

 

Register O’Donnell Promotes Registry’s Social Media

Register O’Donnell Promotes Foreclosure Assistance Programs

Register of Deeds William P. O’Donnell today reminded Norfolk County homeowners who are struggling to pay their mortgage or facing foreclosure that there are consumer programs available to help them out.

Register O’Donnell stated, “The COVID-19 pandemic has caused a great deal of upheaval in all our lives. Some more than others. Some of our neighbors have been furloughed or lost their jobs all together due to the economic impact resulting from the COVID-19 pandemic. In the beginning of the pandemic, policy makers at the state and federal levels recognized the impact the pandemic was having on the ability of many to pay their mortgages and rents. A moratorium was put in effect which suspended foreclosure and eviction proceedings. However, this moratorium expired on October 17th.”

“While the pandemic has been ongoing,” stated O’Donnell, “The Norfolk Registry of Deeds has been working in close cooperation with Attorney General Maura Healey’s office monitoring protections afforded to homeowners affected by the COVID-19 state of emergency through Chapter 65 of the Acts of 2020, Act Providing for a Moratorium on Evictions and Foreclosures During the COVID-19 Emergency as well as protections put in place by the Coronavirus Aid, Relief, and Economic Security Act, Pub L. 116-136, (the “CARES Act”). We are very sensitive to how this pandemic has caused upheaval in people’s lives, and want to do our part to ensure compliance with the CARES Act.”

To help those facing issues paying their mortgage, the Registry of Deeds has partnered with upstanding non-profit agencies by promoting their services when it comes to mortgage modification and foreclosure programs. Homeowners can contact Quincy Community Action Programs, (617) 479-8181 x-376 or NeighborWorks Housing Solutions at (508) 587-0950 x-46. Another option available is to contact the Massachusetts Attorney General’s Consumer Advocacy and Response Division (CARD) at (617) 727-8400. O’Donnell stated, “All of these agencies provide a range of assistance from helping with the mortgage modification process, providing legal services, and offering credit counseling. For more information on these and other support options, go to the Registry’s website www.norfolkdeeds.org, click on the Support tab and then click on the subtab that mentions Foreclosure Assistance.”

Register O’Donnell also warned homeowners against falling prey to for-profit companies who offer loan modification and credit counseling services but charge an exorbitant fee. “Even in these times of COVID-19, unscrupulous for-profit foreclosure relief and mortgage modification companies are in some cases preying on vulnerable homeowners. They make unrealistic promises and charge a lot of money for doing so. If one of these companies is telling you something that is too good to be true, it probably is. Please check out any for-profit foreclosure relief and mortgage modification company before entering into a contract with them,” noted O’Donnell.

Concluding his remarks, Register O’Donnell stated, “There are important discussions ongoing at the State House surrounding the foreclosure and eviction moratorium issue. Hopefully, state officials and stakeholders can come to a resolution that satisfies all parties. With the foreclosure and eviction moratorium rescinded, many individuals and families are faced with some very difficult decisions. It is truly tragic that so many are having issues paying their mortgages and facing foreclosure through no fault of their own. If you or a loved one are in this situation, it would be prudent to sit down with a reputable non-profit agency such as Quincy Community Action Programs, NeighborWorks Housing Solutions or the Massachusetts Attorney General’s office to discuss what options are available. The Registry is always glad to help those facing a mortgage delinquency or foreclosure crisis by directing them to one of these fine agencies. Each of these organizations are there to serve your needs in a professional and honorable manner.”

To learn more about these and other Registry of Deeds events and initiatives, like us at facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and Instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.

 

Register O’Donnell Promotes Foreclosure Assistance Programs

Register O’Donnell Reports Robust Real Estate Sales and Lending Numbers in Norfolk County

While the COVID-19 pandemic continues to wreak havoc on the lives of many in our state and local communities, Register of Deeds William P. O’Donnell reported Norfolk County experienced significant growth in both real estate sales and lending numbers during the month of October 2020.

Register O’Donnell stated, “I was pleasantly surprised to see October experience such a robust month of real estate sales activity throughout Norfolk County. A total of 1,874 properties, both residential and commercial, changed hands in October, a 14% increase compared to the previous year. Average sales price, again factoring in residential and commercial sales, topped the one million mark landing at $1,015,958, a 16% increase compared to October 2019. Total sales volume was $1.2 billion, a significant 44% increase year over year. Despite COVID-19 and a limited inventory of available housing stock, the availability of low interest rates is encouraging individuals and families to buy property with the result being increased property sales prices throughout Norfolk County.”

The Norfolk County lending market showed no signs of slowing down during October. 4,522 mortgages were recorded, a 34% increase year over year. Total amount of money borrowed for mortgages countywide was $2.2 billion, a 17% increase compared to October 2019. “Individuals and families are not only taking advantage of low interest rates to buy property, existing mortgages are being refinanced to reduce monthly payments and in other cases pay for high ticket capital expenses including home remodeling and education costs,” stated the Register.

While the COVID-19 pandemic has been ongoing, foreclosure activity has been drastically reduced due to the moratorium placed on foreclosures and evictions. However, the moratorium on foreclosures and evictions expired on October 17th. O’Donnell stated, “The Registry of Deeds is aware of important discussions taking place at the State House involving the Governor’s office, legislative leadership, the courts and other stakeholders trying to figure out if and when the moratorium on foreclosures and evictions will be put back in place. We at the Registry are sympathetic to those individuals and families who are facing a housing crisis through no fault of their own. It is our hope that the various financial and legal questions surrounding this issue can be worked out to everyone’s satisfaction.”

“Additionally, while we continue to closely track developments surrounding the foreclosure and eviction issue,” stated O’Donnell, “the Norfolk County Registry of Deeds has been working in lockstep with Attorney General Maura Healey’s office monitoring protections afforded to homeowners affected by the COVID-19 state of emergency. Again, we at the Registry of Deeds are very sensitive to how this pandemic has caused upheaval in people’s lives, and in some cases negatively impacted homeowners ability to pay their mortgage.”

The Norfolk County Registry of Deeds continues to partner with Quincy Community Action Programs, 617-479-8181 x376, and NeighborWorks Housing Solutions, 508-587-0950 to help anyone facing challenges paying their mortgage. Another option for homeowners is to contact the Massachusetts Attorney General’s Consumer Advocacy and Response Division (CARD) at 617-727-8400. Register O’Donnell stated, “If you are having an issue paying your mortgage, please consider contacting one of these agencies for help and guidance. Each of these agencies are staffed with professionals who can help.”

Homestead recordings increased 24% during October. “A Homestead,” noted O’Donnell, “provides limited protection against the forced sale of an individual’s primary residence to satisfy unsecured debt up to $500,000. I would urge anyone who has not availed themselves of this important consumer protection tool to consider doing so.”

In conclusion, Register O’Donnell stated, “By staying open for business during the COVID-19 pandemic, the Registry of Deeds has allowed the real estate market to thrive here in Norfolk County. Despite fears expressed by many back in March and April, real estate sales numbers and lending activity have remained strong throughout the county. As evidenced by the figures seen in October, there is no sign this robust sales and lending activity will diminish anytime soon. As long as interest rates remain low, Norfolk County should experience a strong and viable real estate market. One area of concern is whether we are effectively eliminating the possibility of many working men and women and young couples from being able to afford housing costs in Norfolk County. There are no easy answers to this question as sales prices are being driven by market forces including a lack of available housing stock.”

“While the Registry of Deeds building in Dedham remains closed to the general public, we at the Registry continue to serve our customers, the residents of Norfolk County and real estate professionals alike. By listening to health officials, we have practiced social distancing, made sure all staff is wearing masks and taken all other steps to ensure we remain open for business. Documents are being recorded electronically for many of our institutional users. We are also receiving documents via regular mail, Federal Express and from those placed in our drop-off box located just outside our main entrance at 649 High Street, Dedham, MA. As your Norfolk County Register of Deeds, please know how much I appreciate the cooperation, patience and understanding you have shown myself and the Registry staff while this pandemic has been ongoing. Working together, we will all get through this. Be healthy. Be safe.”

To learn more about these and other Registry of Deeds events and initiatives, like us at facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and Instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.

 

Register O’Donnell Reports Robust Real Estate Sales and Lending Numbers in Norfolk County

Register O’Donnell Discusses Online Research Capability for Genealogy and History Enthusiasts

Register of Deeds William P. O’Donnell today reminded genealogy enthusiasts and those with an interest in the rich history of Norfolk County that all Registry hand-written land documents have been transcribed and are available for viewing via our website www.norfolkdeeds.org.

Register O’Donnell noted, “Since the beginnings of the COVID-19 pandemic back in mid-March of this year, many have had to stay close to home. Certainly, freedom of movement has been curtailed for individuals and families who have a concern about contracting the coronavirus. Many have spent hours online catching up with family and friends via social media. If you are looking for something new to do and have always been curious about your family history or local history, the Norfolk County Registry of Deeds can be a valuable source of relevant information via its online research offerings.”

“A few years back, the Registry and its vendor completed a project which transcribed all our hand-written land documents dating back from 1793 to 1900. Prior to this effort, these hand-written documents were in many cases difficult to near impossible to read. With the transcription project completed, our over 8 million land documents can be accessed for viewing from the comfort of your home via our website www.norfolkdeeds.org.”

It should be noted that while the transcribers made a best effort to translate these hard to read documents, their accuracy is not guaranteed. “These transcribed documents,” noted O’Donnell, “are not legal documents in and of itself, and are not considered binding on the Norfolk County Registry of Deeds or its employees. It is considered merely a convenient reference for Registry users. For documentation purposes, users should refer to the scanned image of the original document instead of the transcribed image.”

Concluding his remarks, Register O’Donnell stated, “While the Norfolk County Registry of Deeds building in Dedham remains closed to the general public due to the COVID-19 state of emergency, our online research offerings remain a viable way for genealogists and history buffs to perform research from the comfort of their homes. Please know that as your Register of Deeds, I continue to take very seriously my core responsibility to be the custodian of land document information in Norfolk County. Myself and the Registry staff strive each and every day to ensure the accuracy and accessibility of these land documents. I am proud that future generations will be able to access these land documents and read the transcribed images with the ongoing goal of ensuring a correct record of land documents here in Norfolk County.”

To learn more about these and other Registry of Deeds events and initiatives, like us at facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and Instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.
      
 

Register O’Donnell Discusses Online Research Capability for Genealogy and History Enthusiasts

Register O’Donnell Sees Sales Numbers Increase in Norfolk County Real Estate Market

Despite the ongoing COVID-19 pandemic, Register of Deeds William P. O’Donnell reported Norfolk County experienced strong real estate sales and lending activity during the month of September 2020. 

Register O’Donnell stated, “The month of September saw Norfolk County real estate sales, both residential and commercial, increase 13% year over year. 1,697 real estate sales were recorded compared to 1,503 in September 2019. The average real estate sales price, again both residential and commercial, increased 10% to $865,235. Total sales volume for the month came in at $952 million. The main drivers of these numbers were low interest rates, a limited amount of available real estate causing prices to increase, in many cases over the original listing price, and homebuyers looking for increased housing space to accommodate working remotely.” 

As has been the case for the past several months, Norfolk County once again saw strong growth in mortgage lending during September. 4,639 mortgages were recorded during the month, a 64% increase compared to the previous year. The total amount of money borrowed during September was $1.8 billion. “These strong mortgage numbers,” noted O’Donnell, “are the direct result of low interest rates. All indications are these attractive mortgage rates will continue for the foreseeable future.” 

Notice to Foreclose Mortgages, the first step in the foreclosure process, have been curtailed due to a moratorium placed on foreclosures and evictions while the COVID-19 pandemic state of emergency has been ongoing. The Registry of Deeds is watching closely to see if this moratorium will be lifted as scheduled by Governor Baker in mid-October. 

“The Norfolk Registry of Deeds,” stated O’Donnell, “has been working in close cooperation with Attorney General Maura Healey’s office monitoring protections afforded to homeowners affected by the COVID-19 state of emergency through Chapter 65 of the Acts of 2020, Act Providing for a Moratorium on Evictions and Foreclosures During the COVID-19 Emergency as well as protections put in place by the Coronavirus Aid, Relief, and Economic Security Act, Pub L. 116-136, (the “CARES Act”). We are very sensitive to how this pandemic has caused upheaval in people’s lives and in some cases caused issues with homeowners paying their monthly mortgage payment.”

“I am pleased to report that during my tenure as Norfolk County Register of Deeds, my office has been proactive in partnering with Quincy Community Action Programs, 617-479-8181 x376, and NeighborWorks Housing Solutions, 508-587-0950 to help those facing challenges paying their mortgage. These non-profit agencies are equipped to provide help and guidance to anyone struggling to pay their mortgage. In addition, the Massachusetts Attorney General’s Consumer Advocacy and Response Division (CARD), 617-727-8400 is also available to provide assistance.” 

Homestead recordings increased 15% during the month of September. “I want to remind Norfolk County residents that a Homestead provides limited protection against the forced sale of a homeowner’s primary residence to satisfy unsecured debt up to $500,000. I urge all Norfolk County homeowners to avail themselves of this important consumer protection tool,” noted the Register.

Concluding his remarks, Register O’Donnell stated, “The COVID-19 pandemic has caused many to experience significant changes in their lives. This is reflected in what we are seeing for recordings at the Registry of Deeds and what we are hearing from real estate professionals working with buyers and sellers in Norfolk County. Many working men and women are now working remotely. This has caused some to leave urban areas and buy in suburbs and rural communities like we have in Norfolk County. We are hearing that many young professionals are looking for more space in their homes needed for home offices due to work being done remotely. A limited supply of available housing stock has resulted in a heightened amount of competition between buyers resulting in higher real estate sales prices in Norfolk County. We are also hearing from real estate brokers that many houses are selling for above the original listing price. Robust sales and lending figures were seen in September. There is evidence that the Fall will see continuing strong performance in real estate activity.” 

“What we have also seen over these past few weeks and months is that COVID-19 does not discriminate. Anyone, even the most powerful man in the free world, can be affected. Until there is a viable vaccine in place, all of us need to continue practicing social distancing, wear a mask, and take all necessary steps to reduce the spread of the coronavirus. We need to keep in mind not only our own health but the health of our family, neighbors and friends. Together, we will get through this. Be healthy. Be safe.”

To learn more about these and other Registry of Deeds events and initiatives, like us at facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and Instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.

 

Register O’Donnell Sees Sales Numbers Increase in Norfolk County Real Estate Market

Register O’Donnell Discusses How to Record a Land Document

Norfolk County Register of Deeds William P. O’Donnell today reminded residents that even in the midst of the COVID-19 pandemic, the Registry process to record land documents is designed to make it as easy and seamless as possible. “Whether the document in question is a deed, mortgage, homestead, mortgage discharge or any other type of land document, Registry staff have been trained to record the documents in as expeditious and accurate a manner as possible,” noted O’Donnell.

Register O’Donnell further noted, “As the depository of over 8 million land documents, there are certain basic steps that need to be followed when submitting a land document for recording. First and foremost, the document needs to be associated with one of the twenty-eight communities comprising Norfolk County. In addition, the document must be an original; we will not record photo copies or documents submitted via fax. Please note in many cases, land documents require signatures be notarized before they are recorded.” 

“It should also be noted that the Registry does not draft land documents. The Registry of Deeds is in the business of recording land documents only. If an individual is unsure if a drafted land document, particularly a deed, is in proper order, it may be prudent to have a lawyer familiar with real estate law review the document for its accuracy. A simple mistake on a deed for example could lead to a major problem.”  

Another important point to note is that there are various fees set by the Commonwealth of Massachusetts associated with the recording of land documents at the Registry. Recording fees vary depending on the specific land document type. The Registry’s website, www.norfolkdeeds.org has a fee schedule that can be consulted for specific recording fee amounts. The Registry accepts checks made out to the Norfolk County Registry of Deeds. The Registry also accepts cash payment.   

“Once you have a land document ready for recording and know the fee and type of payment,” stated O’Donnell, “you can then choose how to actually get the document delivered to the Norfolk County Registry of Deeds. Due to the COVID-19 pandemic, the Registry of Deeds building is currently closed to all members of the general public and real estate professionals alike. The options to get an original document and payment to the Registry of Deeds for recording are via regular mail, Federal Express, or placing the document and payment in a drop-off box located just outside the main entrance to our building located at 649 High Street, Dedham, MA.”

’Donnell concluded by stating, “Our trained recording staff is more than happy to record your land documents. Land documents are recorded in an expeditious manner once they arrive here at the Registry. It should also be noted that institutional users such as lending institutions and law firms have the additional option to submit documents electronically via our two e-file vendors, Simplifile and ePN. Finally, if you have any questions about land documents in general, please call our Customer Service Center at 781-461-6101, Monday through Friday between the hours of 8:30AM-4:30PM.” 

To learn more about these and other Registry of Deeds events and initiatives like us at facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.

 

Register O’Donnell Discusses How to Record a Land Document

Boston Globe: Norfolk County ranked as a healthy community by US News & World Report

From the Boston Globe, an article of interest for Franklin:

"Call Martha’s Vineyard or Nantucket home? US News & World Report just ranked these two island communities the healthiest in the state.

In its third annual “500 Healthiest Communities” rankings, US News listed three Massachusetts counties in the top 100, taking into account economic, educational, and environmental factors, as well as other social determinants of health.

Dukes County, which represents six towns on Martha’s Vineyard and one on the Elizabeth Islands, was ranked 39th, followed by Nantucket County, which placed 62d. A little further down the list was Norfolk County, ranked 75th. The five communities that topped the list were Los Alamos County in New Mexico, Douglas County in Colorado, Falls Church city in Virginia, and Broomfield and Routt counties in Colorado.

.....

Norfolk County, with a much bigger population of 670,850, received an overall score of 75, with population health, education, and economy scoring the highest, and equity scoring the lowest."

Continue reading the article online (subscription may be required)

https://www.bostonglobe.com/2020/09/22/lifestyle/three-mass-communities-were-ranked-among-healthiest-nation-by-us-news-world-report/

COVID-19 and the Norfolk County Real Estate Market

Since March 10th when Governor Baker declared a state of emergency to combat the COVID-19 pandemic, most of us have experienced some sort of personal or economic upheaval. We do live in extraordinary times. Despite all this upheaval and uncertainty, Register of Deeds William P. O’Donnell today reports one area of our economy has remained viable, the Norfolk County real estate market.

Register O’Donnell stated, “The COVID-19 state of emergency ordered by Governor Baker recently passed the six-month timeframe. Since the beginning of the pandemic, I am proud to report the Norfolk County Registry of Deeds has remained open for the recording of land documents. While the Registry of Deeds building remains closed to the general public, Registry personnel have been able to continue recording land documents. At the beginning of the pandemic, we utilized social distancing, split work shifts, remote access, and use of our disaster recovery site to record documents. With the lifting of some restrictions by Governor Baker, continued practice of social distancing and taking all other necessary steps to ensure the safety of our employees, more of our personnel are now working out of our main building in Dedham. Throughout the pandemic, we have also utilized electronic recording for our institutional users such as banks, law firms and title companies. In addition to electronic recording, users have also had the option to submit documents via regular mail, Federal Express or placing documents in our drop-off box located just outside our main entrance at 649 High Street, Dedham, MA.”

Since March 10th when the state of emergency was declared through September 10th, the Norfolk County Registry of Deeds recorded 87,379 land documents, a 14% increase compared to the same timeframe in 2019. Most of this increase can be attributed to a spike in mortgage recordings. Specifically, 23,607 mortgages were recorded, a significant 57% increase. The total mortgage indebtedness dollar amount of these mortgages was $10 billion. From March 10th through September 10th, 8,910 properties, residential and commercial, were sold in the county, a 9% decrease year over year. However, the average sales price actually increased 4% to $833,279.  Total sales volume, again both residential and commercial, for the six-month period was $4.7 billion.

“These sales figures,” noted the Register, “are actually encouraging considering the economic upheaval in general and specifically the high unemployment rate seen in Massachusetts during the pandemic. Many real estate observers are reporting buyers, particularly millennials, leaving the city for the suburbs. Low interest rates are also a factor in many considering buying single family homes. Additionally, many are now working remotely from home and as a result can live farther away from their place of business. A factor in the increased average sales price has been the reduced amount of available housing inventory resulting in this being a seller’s market with prospective buyers competing for limited housing stock. Real estate brokers and agents have reported in some cases this intense competition has actually driven real estate sales prices over the original asking price.”

“The increase seen in mortgage recordings has been a direct result of historically low interest rates. Many of these mortgages are refinancing existing mortgages to reduce term, lessen monthly payments or pay for a home improvement or higher education expense,” stated the Register.

During the March 10th through September 10th period, the number of foreclosure deeds recorded fell 30%. Notice to Foreclose Mortgages, the first step in the foreclosure process, have been curtailed due to a moratorium placed on foreclosures and evictions while the COVID-19 pandemic state of emergency has been ongoing. The Norfolk Registry of Deeds has been working with Attorney General Maura Healey’s office in monitoring protections afforded to homeowners affected by the COVID-19 state of emergency through Chapter 65 of the Acts of 2020, Act Providing for a Moratorium on Evictions and Foreclosures During the COVID-19 Emergency as well as protections put in place by the Coronavirus Aid, Relief, and Economic Security Act, Pub L. 116-136, (the “CARES Act”).

“One area that needs special attention once the COVID-19 state of emergency has been lifted,” noted Register O’Donnell, “is foreclosure activity not only in Norfolk County but throughout Massachusetts. As a result of the economic upheaval seen during the pandemic, many of our neighbors have lost their jobs impacting their ability to pay their monthly mortgage payments.”

“As Register of Deeds, I have been proud to partner with Quincy Community Action Programs, 617-479-8181 x376, and NeighborWorks Housing Solutions, 508-587-0950. These non-profit agencies can help anyone facing challenges with the paying of their mortgage. In addition, the Massachusetts Attorney General’s Consumer Advocacy and Response Division (CARD), 617-727-8400 can also help. All of these programs are staffed by knowledgeable professionals who provide assistance to those struggling to pay their mortgages.”

Homestead recordings fell 9% during the March 10th through September 10th timeframe. “A Homestead,” noted O’Donnell, “provides limited protection against the forced sale of a homeowner’s primary residence to satisfy unsecured debt up to $500,000. I urge all Norfolk County homeowners to avail themselves of this important consumer protection tool.”

Concluding his remarks, Register O’Donnell stated, “The last six months have been difficult for individuals, families, employers and employees alike. Despite all the hardship, I am proud of my office’s efforts to keep the Norfolk County Registry of Deeds open for business. The results of these efforts have been a viable Norfolk County real estate market benefiting sellers and buyers of real estate, lending institutions, the real estate legal community and all others with a vested interest in the local real estate economy. By keeping the Norfolk County Registry of Deeds open, recording fees collected have been forwarded to the state and county helping to pay for important public initiatives including education, health care, and police and fire expenses. We are so thankful to our partners in the real estate community and most importantly the citizens of Norfolk County. Their patience with us has been critical to the Registry of Deeds being able to continue its core mission of recording land documents in a safe and secure environment.”

“Unfortunately, we are not done with this pandemic. Please continue to practice social distancing, wear a mask, and take all necessary steps to reduce the spread of the coronavirus. Together, we will get through this. Be healthy. Be safe.”

To learn more about these and other Registry of Deeds events and initiatives, like us at facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and Instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.
 

Register O’Donnell Reports Strong Lending Numbers Driving Norfolk County Real Estate Market

Register of Deeds William P. O’Donnell reported despite the ongoing COVID-19 pandemic and high unemployment rate seen in Massachusetts, the Norfolk County real estate market more than held its own during the month of August 2020.

Register O’Donnell noted, “During August, a total of 1,865 real estate sales transactions, both residential and commercial, were recorded. This represented a slight 2% increase year over year. However, the average sales price for a property, again both residential and commercial, actually fell 9% to $877,906. Also, the total real estate sales volume in Norfolk County, both residential and commercial, also fell 9% to $1.1 billion. The drop in average sales price and total sales volume can be explained by the $270 million sale of the Windsor Gardens apartment complex located in Norwood and Walpole that took place in August 2019.”

Norfolk County lending numbers continued to show significant strength in August. A total of 4,096 mortgages were recorded countywide, a 36% increase from the previous year. In addition, the total dollar amount borrowed in Norfolk County also increased 24% to $2 billion. “These numbers,” noted the Register, “are a direct result of historically low interest rates and the continuing appeal of Norfolk County as a place to live and work. A recent announcement by Fed Chairman Jerome Powell indicates low interest rates may persist well into the next year no matter what happens with the economy.”

Homestead recordings also showed some life in August. A total of 1,344 Homesteads were recorded, a 2% increase compared to August 2019. Register O’Donnell stated, “I am especially pleased to see Norfolk County homeowners taking advantage of the benefits afforded by the Homestead law. It is another layer of protection that can be utilized by a homeowner on their primary residence. Specifically, a Homestead prevents the forced sale of a homeowner’s primary residence to satisfy unsecured debt up to $500,000.”

During August, a total of 5 foreclosure deeds were recorded against Norfolk County property. However, due to the ongoing statewide moratorium against initiation of foreclosure or eviction activity, no Notice to Foreclose Mortgages, the first step in the foreclosure process, were recorded.

Register O’Donnell stated, “While the vast majority of foreclosure activity has been suspended while the COVID-19 pandemic is ongoing, we know many of our neighbors and friends are experiencing economic hardship due to the pandemic. One of the programs I am most proud of here at the Registry of Deeds is our ongoing partnership with Quincy Community Action Programs (QCAP), 617-479-8181 x376, and NeighborWorks Housing Solutions, 508-587-0950. Each of these agencies are staffed by knowledgeable professionals who can help individuals and families who are facing challenges paying their monthly mortgage payment. Another program available is the Massachusetts Attorney General’s Consumer Advocacy and Response Division (CARD) at 617-727-8400. Like QCAP and NeighborWorks Housing Solutions, the CARD program can help those having difficulty paying their mortgage. Each of these programs are excellent examples of non-profit and government agencies helping those in need.”

Concluding his remarks, Register O’Donnell stated, “I am pleased and frankly happily surprised by the relative strength of the Norfolk County real estate market while the COVID-19 pandemic has been ongoing. The importance of low interest rates can not be overstated as the primary reason for these solid sales and lending numbers. As long as interest rates remain low, we should be able to sustain these numbers in Norfolk County. Additionally, real estate observers are continuing to see the demand for housing far exceeding the available supply. Antidotally, we have been made aware of instances of housing selling for above the original asking price. While all of us are hopeful a vaccine to eradicate COVID-19 will be available sooner than later, the after effects of the pandemic will be interesting to watch. Will remote work continue to be utilized by companies large and small? Will remote work result in individuals and families considering more rural areas to live? Going forward, will individuals and families be more inclined to live in single-family homes as opposed to condominiums? These are just a few of the many questions facing the Norfolk County real estate market over the next few months and years.”

“I want to remind Norfolk County citizens and all our users that the Registry of Deeds building continues to remain closed to the general public and real estate professionals alike. This is being done out of an abundance of caution. Registry staff continues to be onsite doing the important work of recording land documents in a safe, accurate and secure manner.  We are receiving documents via regular mail, Federal Express and a drop-off box located just outside the main entrance to our building located at 649 High Street, Dedham, MA. Many of our institutional users, banks, law firms, title companies, are utilizing electronic recording for their land document submissions. I urge any institutional user not using electronic recording to consider its usage.”

“Finally, I want to thank all Norfolk County residents for their patience and understanding while the pandemic has been ongoing. It has not been easy but working in a spirit of cooperation, the Norfolk County Registry of Deeds has been able to remain open. This has kept the Norfolk County real estate market viable benefiting individuals, families and real estate professionals alike. I am hopeful the end of this pandemic will be sooner than later. In the meantime, be healthy, be safe.”

To learn more about these and other Registry of Deeds events and initiatives, like us at facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and/or Instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street, Dedham. The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information. All land record research information can be found on the Registry’s website www.norfolkdeeds.org. Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.

 

www.norfolkdeeds.org

Register O’Donnell Promotes Homestead Act

During the ongoing COVID-19 pandemic, where the focus is understandably on the health and safety of our families, friends and neighbors, Register of Deeds William P. O’Donnell is reminding Norfolk County homeowners about the importance of filing for Homestead protection.  

O’Donnell noted, “As your elected Norfolk County Register of Deeds, I am pleased to inform county homeowners about a valuable consumer protection tool. Indeed, for most of us our home is the most important financial asset we have. If you own a home, and it is your primary residence, one way to protect it is to file a Homestead. The Homestead law provides a homeowner with limited protection against the forced sale of their primary residence to satisfy unsecured debt up to $500,000.” 

Another feature of the Homestead law is the allowance for a filing of an Elderly Homestead application, which defines an elder as a person who is 62 years of age or older. This protection can be increased if the elderly couple are each 62 years of age or older and file jointly.

The Register further noted, “Back in March of 2011, the Homestead law was updated by an act of the Massachusetts Legislature. Current law states a valid Homestead cannot be terminated when refinancing a mortgage. Other enhancements that took place back in 2011 state that a Homestead can provide protections for a primary home even if it is kept in trust. The definition of a primary residence was also further expanded to include a manufactured or mobile home.”

While a Homestead provides important protections for homeowners, it is important to note there are certain debts that are exempted from protection under the Homestead Act. These include federal, state and local tax liens, as well as mortgages contracted for the purchase of a primary home and nursing home liens. Most other mortgages, debts, and encumbrances existing prior to the filing of the Declaration of Homestead, along with probate court executions for spousal and child support, are also not covered under the Homestead protection statute.

Homestead documents are recorded at the Registry of Deeds for a state imposed fee of $36.00. To find out more about the Homestead law, or to get a free application, please go online to the Registry’s website at www.norfolkdeeds.org or contact the Registry’s Customer Service Center at 781-461-6101. 

Register O’Donnell concluded, “My office stands ready to answer any questions you may have relative to the Homestead law. I want to reiterate that a Homestead provides limited protection against the forced sale of a homeowner’s primary residence to satisfy unsecured debt up to $500,000. While the debt is still owed, homeowners can have peace of mind knowing that with a Homestead recorded at the Registry of Deeds, their primary residence cannot be forcibly sold to satisfy most debts.” 

To learn more about these and other Registry of Deeds events and initiatives, like us at Facebook.com/NorfolkDeeds or follow us on twitter.com/NorfolkDeeds and/or Instagram.com/NorfolkDeeds.

The Norfolk County Registry of Deeds is located at 649 High Street in Dedham.  The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities and others with a need for secure, accurate, accessible land record information.  All land record research information can be found on the Registry’s website www.norfolkdeeds.org.  Residents in need of assistance can contact the Registry of Deeds Customer Service Center via telephone at (781) 461-6101, or email us at registerodonnell@norfolkdeeds.org.

Register O’Donnell Promotes Homestead Act