Norfolk County Housing Market Attempts to Persevere in Difficult Economy

Norfolk County Register of Deeds William P. O'Donnell reported that Norfolk County recordings for the third quarter of 2023 indicate a continued decrease in overall real estate activity impacted by high mortgage interest rates relative to 2020 and 2021, along with a lack of inventory, However, real estate activity in Norfolk County remains significantly more active than state and national averages.

 

Norfolk County Housing Market Attempts to Persevere in Difficult Economy

"When you look at what's going on in the economy, I think people know things aren't great. Buyers have been facing rising prices and rising interest rates, and home sales in Massachusetts have plummeted nearly 25% from January to August of 2023," stated Register of Deeds William P. O'Donnell. "Fortunately, Norfolk County has come out above the statewide average for the third quarter, because in Norfolk County it was only down 14%."

 

In the third quarter of 2023 (July, August, and September), the Norfolk County Registry of Deeds recorded 26,287 documents. This was 19% fewer than the third quarter of 2022.

 

"Looking at the statistics, we can see that fewer properties are being sold. The likely factors that are contributing to this are that while new home construction has increased in several communities, it is still not enough to keep up with the demand," said Norfolk County Register of Deeds William P. O'Donnell. "The other factor is that existing homes remain off the market, possibly because sellers might not be selling their property because if they are selling their property, they have to buy another home to move into, and they could be paying interest rates above 7%.

 

The total number of deeds for the third quarter of 2023, which reflects both commercial and residential real estate sales and transfers, was 2,315, down 21% from the third quarter of 2022.

 

"I can understand the frustration some homebuyers may be feeling because right now it is a more complicated process for individuals looking to purchase a home and, especially, first-time homebuyers," said register O'Donnell. "It is more expensive for home buyers because prices are still high relative to 2021 and 2020 values, and to add to this difficulty, there may be multiple people competing for the same property in a market that already has a limited inventory, especially single-family homes."

 

The average sale price for the third quarter of this year was $1,195,185, an 8% increase compared to the third quarter of 2022. The total dollar volume of commercial and residential sales is down, decreasing 15% over the same period in 2022.

 

"Higher interest rates affect seasoned homebuyers in terms of eagerness to refinance and willingness to sell, but first-time homebuyers are particularly impacted, especially considering average prices for commercial and residential property at 2021 and 2020 values," said Register O'Donnell. "This means that homebuyers in 2023 are paying higher property prices and a higher interest rate, resulting in a monthly mortgage payment that may not be economically feasible, particularly for first-time homebuyers who may not have the financial resources to overcome this obstacle."

 

For the months of July, August, and September, lending activity overall continued to decline. During these months, a total of 3,860 mortgages were recorded, which is 31% less than the same period last year.

 

"Those who took advantage of the lower interest rates in 2020 and 2021 are also less likely to refinance at current rates, and with property sales going down, this results in a more pronounced decline in the number of mortgages recorded," said Register O'Donnell.

 

The Norfolk County Registry of Deeds continues to closely monitor the foreclosure market. In the third quarter of 2023, there were 14 foreclosure deeds recorded as a result of mortgage foreclosures taking place in Norfolk County, whereas in the third quarter of 2022, there were 20 recorded. Additionally, there were 76 notices to foreclose, the first step in the foreclosure process, significantly less than the 91 recorded in 2022's third quarter.

 

"There is no question that these foreclosure numbers are good news. With that said, we cannot forget that foreclosure activity has a human face associated with it, and there are still a number of our neighbors who have lost their homes, and even more are dangerously close to losing their homes," said Register O'Donnell. "I would urge anyone struggling to pay their mortgage or who knows someone who is struggling to contact one of the non-profit organizations listed on our website, www.norfolkdeeds.org."

 

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 concluded, "Overall, the housing market has slowed, especially compared to 2022's busy home sale market, but remains relatively stable when compared to state and national averages. While current market conditions may be frustrating to some, especially for first-time homebuyers, Norfolk County has shown resilience and remains a desirable community to both live and work in."

Follow this YouTube link to watch the 2023 Third Quarter Update segment on Quincy Access Television:  https://www.youtube.com/watch/U9luGZRZZfE

To learn more about these and other Registry of Deeds events and initiatives, "like" us on Facebook at facebook.com/norfolkdeeds. Follow us on Twitter and Instagram at @norfolkdeeds.

 

The Norfolk County Registry of Deeds, located at 649 High St., Dedham, is the principal office for real property in Norfolk County. The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities, and others with a need for secure, accurate, and 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 at (781) 461-6101 or email us at registerodonnell@norfolkdeeds.org.

Register O’Donnell Invites Public to Attend Norfolk County Veterans Celebration - Veteran Affairs Secretary Santiago to be Keynote Speaker (video)

On Wednesday, November 8, 2023, the Norfolk County Registry of Deeds will celebrate the veterans of Norfolk County with an open house as it releases its third volume of Notable Land Records titled “We Remember Our Veterans.” The open house will run from 4:30 p.m. to 6:30 p.m. in the evening at the Registry of Deeds building in downtown Dedham at 649 High Street. The public especially those that are veterans are invited to attend.

 

“The event,” stated Register O’Donnell, “is a way to pay our respects and thanks for the countless contributions and sacrifices of our county veterans from the Revolutionary War to present-day peacekeepers. Guests can stroll the Registry’s Great Hall and view the fascinating storyboards detailing the history of the various military branches, the contributions of veterans, and a list of Norfolk County veterans who were awarded the Medal of Honor.” Massachusetts Veteran Affairs Secretary, Jon Santiago, will be the main Speaker at this event.

 

Register O’Donnell noted “Secretary Jon Santiago oversees an agency whose mission is to act as the primary advocate for approximately 380,000 Commonwealth veterans. Given his military, medical, legislative, and public service background, we are indeed quite fortunate to have him as our keynote speaker in talking about what veterans have done for this country and why we should honor them for their contribution and sacrifices.”

 

Each person attending the open house will receive a free copy of the Registry’s “We Remember Our Veterans.” This unique booklet pays homage to a veteran or veterans from each one of the 28 communities comprising Norfolk County. The booklet outlines the history of the military branches. There is a section on Medal of Honor recipients from Norfolk County.

 

Register O’Donnell went on to state, “This booklet and event are dedicated to all veterans, past, present, and future, for their patriotism and sacrifices for the United States of America. The service of all veterans needs to be honored and acknowledged. You can do this by coming to this free event, which is open to the public.”

 

Follow this YouTube link to a video about the “We Remember Our Veterans” Booklet and Program on November 8^th, 2023. https://youtu.be/ngxUZCnNdHc

 

If you have any questions about the event, please contact Jonathan Thomas at (781) 234-3305 or by email at jthomas@norfolkdeeds.org. The Registry of Deeds is located at 649 High Street in Dedham Center.

                                

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.

GOOD DEEDS: “We Remember Our Veterans”

By William P. O’Donnell, Norfolk County Register of Deeds

Many Americans will never know what it is like to serve in the armed forces, risking our lives for our country and facing the harsh realities of combat. The men and women who choose to join the military make incredible sacrifices, leaving behind their families and putting their own lives on the line to protect our freedom and way of life. This is something that we, as Americans, can sometimes take for granted. However, it is important to recognize and appreciate the immense courage and dedication that these individuals possess.

Having worked with the Veteran Affairs Boston Healthcare System in Brockton, West Roxbury, and Jamaica Plain through the "Suits for Success" program, I have seen first-hand how much it means to veterans when we do show our appreciation for their selflessness and commitment to serving our nation and recognize the sacrifices they and their fellow veterans have made for our collective well-being. It is our duty as citizens to honor and support our military members in any way we can.

On Wednesday, November 8, 2023, the Norfolk County Registry of Deeds will celebrate the veterans of Norfolk County with an open house and the release of our third volume of Notable Lands Records titled “We Remember Our Veterans.” The open house will run from 4:30-6:30 in the evening at the Registry of Deeds building in downtown Dedham at 649 High Street.

This edition of Notable Lands Records is a tribute to the brave men and women of Norfolk County, from the Revolutionary War to present-day peacekeepers. The booklet features detailed stories of veterans all throughout the 28 communities that make up Norfolk County. These individuals have led remarkable lives: several are Medal of Honor recipients; one was an experimental aircraft pilot; another served in three wars. The booklet outlines a history of the military branches as well as the four United States Presidents born in Norfolk County who served as commander-in-chief.

There will be much to celebrate that evening. Patriotic music will fill the air. Guests can stroll the Registry's Great Hall and view the fascinating storyboards detailing the history of the

various branches of the armed services, the contributions of veterans, and the significant ways a grateful nation honors its veterans. There is also a storyboard that lists the Norfolk County Medal of Honor recipients.

We hope you can make this event. It should be a memorable time. Admission is free. Each person attending the open house will receive a free copy of the Registry’s “We Remember Our Veterans.” This booklet and event are dedicated to all veterans – past, present and future – for their patriotism and sacrifices for the United States of America. The service of all veterans needs to be honored and acknowledged.

These veteran stories are important because they provide valuable insights and perspectives on the lives of some of the past and present veterans of Norfolk County. These stories allow us to honor the sacrifices made by veterans and gain a deeper understanding of why it is crucial to support and care for our veterans today. These narratives serve as a reminder of the bravery and resilience displayed by these individuals, highlighting the significance of their contributions to our country's history.

Please come by the Norfolk Registry of Deeds to this free event which is open to the public. If you have any questions about the event, please contact Jonathan Thomas at (781) 234-3305 or by email at jthomas@norfolkdeeds.org. The Registry of Deeds is located at 649 High Street in Dedham Center.

GOOD DEEDS: “We Remember Our Veterans”

Norfolk County Deeds: "Monthly Property Sales Slump in September 2023"

Norfolk County Register of Deeds William P. O’Donnell reported that Norfolk County recordings in September 2023 show a significant decline in the total number of property sales compared to September 2022 recordings. This decline can be attributed to a limited inventory of new and existing property for sale and a housing market that continues to struggle with higher interest rates relative to what they were in 2020 and 2021.

 

“The limited inventory of properties for sale has created a highly competitive market and fewer opportunities for buyers,” remarked Register of Deeds William P. O’Donnell. “Moreover, the higher interest rates have made it more challenging for potential homeowners, especially first-time homebuyers, to secure affordable financing options, further dampening the demand for properties.”

 

The total number of deeds recorded for September 2023, which reflects both commercial and residential real estate sales and transfers, was 1251, down 12% from September 2022 and down 1% from August. However, this number also includes transfers of property within families and other non-market transactions. The total number of actual property sales for September was 668, down 21% from last year and down 5% from last month.

 

Norfolk County Deeds: "Monthly Property Sales Slump in September 2023"

“Property prices dropped significantly in September compared to last year, and the number of property transactions was also down, which may suggest that the property price alone is not the sole factor contributing to the decrease in the number of deeds recorded at the Registry,” said Register O’Donnell.

 

The average sale price of commercial and residential properties for September 2023 fell to $864,251, a 20% decrease compared to September 2022 and a decrease of 29% from August 2023. The total dollar volume of commercial and residential sales is down, decreasing 37% from last year and 44% from last month.

 

“Seasoned homebuyers are doubly effected by current market conditions, as they not only face higher borrowing costs but also have limited options to choose from. Additionally, with home loan interest rates exceeding 7%, these same home owners are also less likely to refinance, leading to a decrease in the number of mortgages being recorded,” said O’Donnell.

 

For the month of August, lending activity overall continued to decline from last year. A total of 1,174 mortgages were recorded, which is 31% less than last year and 5% less than last month.

 

“Those who took advantage of the lower interest rates in 2020 and 2021 are also less likely to refinance at current rates, and with property sales going down, this results in a more pronounced decline in the number of mortgages recorded,” said O’Donnell. “For individuals who are struggling to keep up with payments now, refinancing at a higher interest rate is not going to help, which is one factor contributing to the increase in notices to foreclose and foreclosure deeds. Also, many potential sellers who would need to borrow to purchase a new property have elected not to sell given the higher interest rates.”

 

The Norfolk County Registry of Deeds continues to closely monitor the foreclosure market. In September 2023, there were 5 foreclosure deeds recorded as a result of mortgage foreclosures taking place in Norfolk County, whereas in September 2023, there were 4 recorded. Additionally, there were 33 notices to foreclose, the first step in the foreclosure process, more than the 25 recorded this month last year.

 

“We cannot begin to know all the causes that have contributed to these foreclosures and notices to foreclose, but what we do know is that a number of our neighbors have lost their homes, and even more are dangerously close to losing their homes,” said Register O'Donnell. “We all experience unforeseen events in our lives, and sometimes events beyond our control can have devastating emotional and financial effects, so I would urge anyone struggling to pay their mortgage or who knows someone who is struggling to contact one of the non-profit organizations listed on our website, www.norfolkdeeds.org.”

 

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.

 

“These declining numbers suggest a slowdown in the real estate market. A decree in the number of deeds and mortgages, which make up a large portion of the total documents recorded at the Registry of Deeds, greatly impacts the total document volume,” noted O’Donnell.

 

The Registry of Deeds recorded 8,140 documents in September 2023. This was 18% less than in September 2022 and a 15% decrease compared to August 2023.

 

“The decrease in the number of documents recorded at the Registry of Deeds indicates a significant decline in real estate activity.” O’Donnell concluded, “This could be attributed to various factors such as economic uncertainty or changing market conditions. It will be important to monitor these trends and see how they impact the overall real estate market in the coming months.”

 

To learn more about these and other Registry of Deeds events and initiatives, “like” us on Facebook at facebook.com/norfolkdeeds. Follow us on Twitter and Instagram at @norfolkdeeds.

 

The Norfolk County Registry of Deeds, located at 649 High St., Dedham, is the principal office for real property in Norfolk County. The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities, and others with a need for secure, accurate, and 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 at (781) 461-6101 or email us at registerodonnell@norfolkdeeds.org.

GOOD DEEDS: Finding Your Roots!

By William P. O’Donnell, Norfolk County Register of Deeds

You may not wear a Deerstalker cap, smoke a pipe, or have a best friend named Watson, but you still might have something in common with the great detective named Sherlock Holmes. And that’s the ability to solve a good mystery.

Today, millions of Americans are on the hunt for clues to find out more about themselves and their family’s background. And the search for answers may just lead you right to the Norfolk County Registry of Deeds. Thanks in part to our History Comes Alive program.

As we all know, the subject of genealogy is growing by leaps and bounds. According to an ABC News report, genealogy is ranked the second most popular hobby in the United States. Genealogy websites get more than 100 million hits per year. But its popularity doesn’t end there. There are also genealogical television shows, college courses, and DNA tests. So, therefore, we really shouldn’t be surprised by a survey that showed 78% of people want to explore their roots.

GOOD DEEDS: Finding Your Roots!

One of the first places you can start your genealogical travels is the Registry of Deeds. We have a wealth of information with cutting-edge technology to help you. The Norfolk County Registry of Deeds possesses approximately 10,000,000 land records, recorded in 41,416 Registry books dating back to when the county was created in 1793. Some of these records include deeds, liens, foreclosures, mortgages, conveyances, trusts, and mortgage discharges.

What can you learn from these documents? Plenty. You can discover where a family member lived. What they generally paid for the property by looking at the mortgage (be prepared for sticker shock)! When they sold it and to whom. And if while owning the property they faced any financial burdens such as an attempted foreclosure or having a lien placed on their home. However, you might also say “That sounds like great information, but it's impractical for me to get to the Registry given my work schedule.” Well, thanks to technology that’s no longer a problem, you can do it from the comfort of your home computer or cell phone 24/7. Just go to the Norfolk County Registry of Deeds website www.norfolkresearch.org hit the Search for Your Deed button and type in the name you are looking for. If they had owned property in Norfolk County you will find records all the way back to the 1700’s. We make this research process even easier for you through our History Comes Alive Transcription Program where all the Registry documents from 1793 to 1900 are transcribed from old cursive writing into clearly readable and easy-to-read and print.

And how invaluable is this first in New England transcription program to a researcher? Well, here are the words of the late Pulitzer Prize-winning historian David McCullough, “I say this as one who has spent a great deal of my working life struggling to read original letters, and other old documents…. you are making an important contribution and I send to you my warmest congratulations.”

The future will hold even greater opportunities for those who want to explore their family’s trees. The Norfolk County Registry of Deeds has plans to open up a Genealogy Research Center where patrons can come in to use our free databases such as Ancestry. Com, American Ancestors, and the digital records from the Massachusetts Archives. It’s our hope to continue to add local historical databases to the collection when up and running. At the Norfolk Registry of Deeds, we love a good mystery. We hope we can help you on your genealogical adventure.

Register O'Donnell reveals Norfolk County’s most expensive real estate sales 3rd Quarter of 2023

Norfolk County Register of Deeds William P. O’Donnell reported that during the summer of 2023, ten properties, a mix of commercial and residential, sold for more than $11,000,000, with an average price of $34,887,000.

 

The prices on the property to follow concern real estate sales during the period of July 1st, 2023, through September 20th, 2023.

 

real estate sales 3rd Quarter of 2023

The ten properties were:

 

10. 108 Bodwell Street, Avon, a 49,090-square-foot industrial warehouse built in 1970 on 6.33 acres of land, sold in August for $11,250,000;

 

9. 85 John Road, Canton, a 435,600-square-foot research and development facility on 10 acres, sold in August for $22,750,000;

 

8. 206 Grove Street, Franklin, a 150,000-square-foot warehouse and distribution facility, sold in July for $28,000,000;

 

7. Wheeler Circle, Stoughton, the 280-unit, 809-room apartment complex, known as Stone Ends Apartments, sold in July for $28,972,000;

 

6. 176 Grove Street, Franklin, a 171,000-square-foot freight transportation center and warehouse, was sold in May for $29,500,000;

 

5. 25 & 40 Kenwood Circle, Franklin, A multi-building storage and distribution center with a combined 200,000 square feet of space was sold in July to Boston Infill LLC for $37,500,000;

 

4. 57 Littlefield, Avon, the "Avon Business Center," a multi-building rental unit complex for industrial companies and small businesses, in July for $47,250,000;

 

3. Finnell Drive Industrial Park, the 5-building, 246,625-square-foot industrial park located in Weymouth, sold on the last day of August for $51,000,000;

 

2. Walpole Mall, which sits on 31 acres of land along the Boston Providence Highway, sold in July for $71,950,000 to LCR Walpole LLC;

 

1. 29, 39, & 51 Trotter Road, Weymouth, known as the MIO Apartments, an upscale residential studio apartment complex, sold in July for $94,600,000.

 

The top sales appear to have been a combination of apartment complexes, retail, industrial and warehouse space, and distribution facilities.

 

"The industrial and commercial nature of these developments bodes well for the Norfolk County economy, both in terms of employment and revenue," said Register O’Donnell. "This also indicates that Norfolk County is not only a desirable place to both live and work but is also a magnet for business, industry, and trade."

 

Excise taxes from these 10 sales totaled more than $1,927,000 for the state and county.

 

"Despite the overall decline in activity throughout the county, there are still pockets of the market here in Norfolk County that are seeing growth and stability, particularly in commercial real estate and certain neighborhoods and property types," noted Register O’Donnell.

 

Since July 2023, there have been 2,068 property sales recorded in Norfolk County, down 21% over the same time period last year. The average sales price for these properties which include, commercial and residential property was $1,235,419, up 8% from last year.

 

"As we head into the fall season, we hope to see similar real estate activity, but higher property prices, relative to relative 2020 and 2021 prices, and a limited supply of new and existing homes, along with the interest rate environment the economy is in, may temper expectations," said Register O’Donnell.

 

To learn more about these and other Registry of Deeds events and initiatives, “like” us on Facebook at facebook.com/norfolkdeeds. Follow us on Twitter and Instagram at @norfolkdeeds.

 

The Norfolk County Registry of Deeds, located at 649 High St., Dedham, is the principal office for real property in Norfolk County. The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities, and others with a need for secure, accurate, and 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 at (781) 461-6101 or email us at registerodonnell@norfolkdeeds.org.

 

Average Property Prices Reach Record Highs in August 2023

Norfolk County Register of Deeds William P. O’Donnell reported that Norfolk County recordings indicate average property sales prices rose to a record high for the month of August as compared to previous years. This increase can likely be attributed to a limited inventory of new housing up for sale and a lack of existing houses on the market.

 

“Average property prices in August are up significantly this year compared to the same month in previous years,” stated Register of Deeds William P. O'Donnell. “Seasoned homebuyers and those looking to purchase their first home are faced with the challenge of property values that are 19% higher than 2022 prices, 34% higher than 2021 prices, and 37% higher than 2020 prices, in addition to a mortgage interest rate that for some exceeds 7%.”

 

Average August Property Prices Reach Record Highs

The average sale price of commercial and residential properties for August 2023 was $1,212,694, a 19% increase compared to August 2022 but a decrease of 17% from July 2023. The total dollar volume of commercial and residential sales is down, decreasing 6% from last year and 12% from last month.

 

“Looking at the numbers from August 2022, 2021, and 2020 shows that average property prices fell seasonally by 12% to 17% in August compared to July,” noted Register O'Donnell. “This means that while prices remain high, the seasonal fluctuations in the housing market month over month have remained constantly steady when you compare them to the ebbs and flows of previous years.”

 

Notwithstanding the increase in average property sales prices, the total number of deeds recorded for August 2023, which reflects both commercial and residential real estate sales and transfers, was 1,478, down 12% from August 2022 but up 16% from July.

 

“Overall real estate activity is on a downward trend compared to the previous year, driven by two likely factors: limited inventory and high interest rates, resulting in a reduction of the number of deeds and mortgages, which make up a large portion of the total document volume at the Registry.” Register O'Donnell continued. “A slight increase in the number of deeds from last July may suggest that some sellers are taking advantage of higher property values, increasing the number of existing homes on the market.”

 

The Registry of Deeds recorded 9,527 documents in August 2023. This was 18% less than in August 2022 but an 11% increase compared to July 2023.

 

Register O'Donnell noted, “Higher mortgage interest rates have an impact on the number of mortgages and deeds recorded at the Registry. Higher interest rates affect seasoned homebuyers' eagerness to refinance, which means fewer mortgages. It also affects a homeowner’s willingness to sell, which results in fewer homes on the market that can be bought. Higher interest rates also impact buyers.”

 

For the month of August, lending activity overall continued to decline from last year. A total of 1,328 mortgages were recorded, which is 33% less than last year but 6% more than last month.

 

“In addition to fewer people refinancing, the decline in lending activity can also be attributed to fewer first-time home loans,” said Register O'Donnell “High property prices and increased mortgage interest rates make it more challenging for first-time homebuyers to afford a mortgage and to keep up with payments.”

 

The Norfolk County Registry of Deeds continues to closely monitor the foreclosure market. In August 2023, there were 4 foreclosure deeds recorded as a result of mortgage foreclosures taking place in Norfolk County, whereas in August 2022, there were 7 recorded. Additionally, this month, there were 25 notices to foreclose, the first step in the foreclosure process, less than the 33 recorded in August 2022.

 

“We hope to see this trend continue into the fall season, especially as the weather gets cooler. With that said, we cannot forget that foreclosure activity has a human face associated with it, and there are still a number of our neighbors who have lost their homes, and even more are dangerously close to losing their homes,” said Register O'Donnell. “I would urge anyone struggling to pay their mortgage or who knows someone who is struggling to contact one of the non-profit organizations listed on our website, www.norfolkdeeds.org.”

 

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 concluded, “We have seen some increases in the number of property sales and in the total number of documents compared to last month, but with record property prices for this month and a limited housing inventory, we are seeing significant decreases in overall real estate activity compared to 2022.” 

 

To learn more about these and other Registry of Deeds events and initiatives, “like” us on Facebook at facebook.com/norfolkdeeds. Follow us on Twitter and Instagram at @norfolkdeeds.

 

The Norfolk County Registry of Deeds, located at 649 High St., Dedham, is the principal office for real property in Norfolk County. The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities, and others with a need for secure, accurate, and 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 at (781) 461-6101 or email us at registerodonnell@norfolkdeeds.org.

Back to School at the Registry of Deeds

As the new school year starts and students file into class rooms, Norfolk County Register of Deeds William P. O’Donnell takes residents on another educational journey and reminds homeowners and those looking to enter the housing market of the easy and straightforward process of recording land documents at the Registry of Deeds.

 

“It is back-to-school time for many families, and while students are busy preparing for the academic year ahead, it is also a great opportunity for homeowners and those looking to enter the housing market to become familiar with the process of recording land documents at the Registry of Deeds,” said Register of Deeds William P. O’Donnell. “Whether you are a first-time homebuyer or a seasoned homeowner, understanding the importance of properly recording your property transactions can provide peace of mind and protect your investment in the long run.”

 

Back to School at the Registry of Deeds

Correctly drafted land documents are crucial for maintaining accurate property records at the Registry of Deeds. By familiarizing themselves with this process, residents can protect their property rights and contribute to the overall integrity of the county's land records system.

 

“By taking the time to educate yourself on this straightforward process, you can ensure that your property rights are secure and that any future transactions go smoothly,” said Register O’Donnell.

 

The Norfolk County Registry of Deeds is also a depository for over 10 million land documents recorded from the Registry’s beginning in 1793 right up to the present day. This extensive collection of land documents serves as a valuable resource for researchers, title examiners, historians, and anyone interested in tracing the history of land ownership in the county. This depository plays a significant role in preserving the county's rich history for future generations.

 

“Electronically or in person, 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, but there are certain basic steps that need to be followed when submitting a land document for recording,” noted O’Donnell.

 

The document needs to be associated with one of the twenty-eight communities comprising Norfolk County. In addition, the document must be an original; the Registry will not record photocopies or documents submitted via fax. In many cases, land documents require signatures to be notarized before they are recorded.

 

The formatting standards for land documents must also be followed, including the use of specific font sizes and margins. Additionally, any fees associated with recording the document must be paid at the time of submission. Individuals looking for these specific standards can view them on the Norfolk County Registry of Deeds website, https://www.norfolkdeeds.org/support/document-formatting-standards. Each Register of Deeds retains the discretion to record documents that do not fully comply with these formatting standards, provided that the record created by the Registry is legible and retrievable on standard Registry computer systems.

 

“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 crucial point to keep in mind is that the Commonwealth of Massachusetts has set various fees 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 payments.

 

“Once you have a land document ready for recording and know the fee and type of payment, we offer multiple options for document delivery,” stated O’Donnell.

 

The options to get an original document and payment to the Registry of Deeds building for recording are via regular mail, Federal Express, or in person at 649 High Street, Dedham, MA.

 

Register O’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 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 8:30 a.m. and 4:30 p.m.

 

To learn more about these and other Registry of Deeds events and initiatives, “like” us on Facebook at facebook.com/norfolkdeeds. Follow us on Twitter and Instagram at @norfolkdeeds.

 

The Norfolk County Registry of Deeds, located at 649 High St., Dedham, is the principal office for real property in Norfolk County. The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities, and others with a need for secure, accurate, and 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 at (781) 461-6101 or email us at registerodonnell@norfolkdeeds.org.

GOOD DEEDS: Probate Court Records and Your Real Estate Title

By William P. O’Donnell, Norfolk County Register of Deeds

People sometimes confuse the terms deed and title. A deed is a written document that transfers ownership rights to a property from one party to another. Unlike the title to a vehicle that consists of a one-page document issued by the Registry of Motor Vehicles, title to real estate is a legal principle that establishes whether a party has the legal right to use, control and eventually sell a property as evidenced by documents that are recorded and become public records.

The majority of documentation affecting the title to real estate is recorded here at the Registry of Deeds.  In Norfolk County the Norfolk County Registry of Deeds is located at 649 High Street in downtown Dedham across from the gold domed Superior Court.  However, there are numerous instances where title to real estate may also be affected by records filed with the Probate and Family Court. Most people acquire their property by a deed that identifies the grantor and the grantee, the purchase price, if any and a legal description. The deed is recorded here at the Norfolk Registry of Deeds for the 28 communities that make up Norfolk County.  Our trained staff indexes the relevant information and stamps it with a book and page reference. Copies of the deed can be easily accessed by checking our indexes which can be found on the Registry website, www.norfolkdeeds.org  and obtaining the book and page reference.  All the land records dating back to the establishment of Norfolk County in 1793 are available via the Norfolk Registry’s internet land record research system.

Deed book and page references may be needed when a party is preparing to sell or mortgage property or drafting estate plans. Banks or insurance companies may need book and page references to process loan applications or insurance policies.

We often get questions from property owners who can’t find the book and page reference to their deed. More often than not, that is because the owner acquired their title through the probate process, not by a recorded deed.

When a person owns real estate in just their name and dies, their property, including any real estate passes to their estate which is then probated in the Probate Court for the county where they resided. The Probate and Family Court for Norfolk County is located at 35 Shawmut Road, Canton. Most experienced attorneys and title examiners, when examining title to a specific property will examine not only the records at the Registry of Deeds but will also check the Probate and Family Court records.

When the decedent (the individual who passed away) leaves a will, the party that has been named in the will as a personal representative submits the will and supporting documentation including a petition for formal or informal probate of the will. Title to the real estate passes under the terms of the will to whomever is named as the devisee or devisees for that property, subject to the Court issuing a decree allowing the will. A similar process is followed when the decedent does not leave a will. In that case title to the property would pass per Massachusetts State Law to the decedent’s heirs-at-law. In either case, the party acquiring title to the property has the same interest they would have if the property was deeded to them.  However, with title that is acquired through the probate process there is no recorded deed with a book and page reference.

The problem with the lack of a deed reference when title is obtained through probate was alleviated somewhat when Massachusetts enacted the Massachusetts Uniform Probate Code in March 2012. The Massachusetts probate statute now provides for the recording of a “deed of distribution” from the personal representative to the devisees or heirs. This allows owners of recorded land to reference the book and page of the deed of distribution that is recorded at the Registry of Deeds as their source of title. However, if the property is registered land, deeds of distribution are not filed and additional steps have to be taken to establish title in the devisees or heirs.

GOOD DEEDS:  Probate Court Records and Your Real Estate Title

There are two categories of land records in Massachusetts: recorded and registered. All land is in one category or the other, and it is possible for a single parcel to include both types. Registered land comprises about twenty (20%) percent of the property in Norfolk County. Registered land deeds are given a document number and noted on a certificate of title that is issued in the name of the new owner.  Registered land was created in Massachusetts by state law in 1899 and Norfolk County’s registered land department in the Land Court at the Norfolk Registry of Deeds began in 1900.

Title to registered land is subject to the rules of the Land Court, a department of the Trial Court. Deeds of distribution are not accepted for registered land. In order to establish title to registered land in the name of a devisee or heir-at-law, a petition and copies of the probate proceedings have to be filed with the Land Court in Boston. Once the Land Court is satisfied that the necessary steps have been taken to establish title in the devisees or heirs, the Court will issue an order that is filed in the Registry’s land registration section and a new certificate will be issued. The Chief Title Examiner of the Land Court has issued a memorandum detailing the process that can be found on-line at:  https://www.mass.gov/doc/land-court-chief-title-examiner-memorandum-re-land-court-guideline-14-death-the-effect-of-death/download .

Divorce records filed in the Probate and Family Court records may also impact title to real estate. Purchasers of property from parties who are in the process of getting divorced or have been divorced should examine the terms of any separation agreement that have been filed to make sure the terms of the agreement as it relates to the real estate have been complied with. Attorneys and title examiners tasked with certifying title to a real estate property will check the Probate and Family Court records including any divorce records.   In addition, by operation of Massachusetts law, the tenancy of parties who acquired title as tenants by the entirety will became a tenancy in common upon the final judgment of divorce. If either party dies before they convey the property, the interest of the deceased party will have to be probated; it will not pass to the surviving party.

The Norfolk Registry of Deeds has a computer on-site dedicated to Probate and Family Court records for the convenience of attorneys and title examiners. The Trial Court also has a website at https://www.masscourts.org/eservices/home.page.2 where records can be found pertaining to cases filed in the various courts, including Probate and Family Court divorce and probate records.

As always, if Norfolk County residents have a Registry related question about the title to their property, the answer is just a phone call away by dialing the Customer Service Center at (781) 461-6101. The department is open Monday through Friday from 8:30AM to 4:30PM.

Register O’Donnell Announces 41,000th Book Printed at Norfolk County Registry of Deeds

Celebrating a significant milestone at the Norfolk County Registry of Deeds, Register William P. O’Donnell today (08/17/23) announced the Registry recently completed printing its 41,000th book of recorded land documents, marking an important occasion for the many who appreciate the convenience of modernization and the reliability of the time-tested method of printing land document books to keep records.

 

Register O’Donnell noted, “The printing of our 41,000th book, which includes land documents such as deeds, homesteads, mortgages, and mortgage discharges, is a significant event in the life of the Registry and a testament to the volume of work completed each and every business day here at the Registry of Deeds. The printing of Book 41,000 links us to the Registry’s rich history, which dates back to 1793.

 

"The printing of Book 41,000 links us to the Registry’s rich history, which dates back to 1793"

While the printing of books is ongoing, it is important to note that the Registry continues to embrace and utilize cutting-edge technologies, allowing us to record land documents instantaneously. Documents are scanned and available for viewing within 24 business hours of recording at www.norfolkdeeds.org. This modern approach to document recording makes it possible for the digital land document library, which is on Book 41,356, to stay up-to-date and accurate.

 

This digitalization process has greatly improved accessibility and efficiency for those seeking land records. Additionally, the Registry of Deeds actively works to ensure the security and integrity of these digital records through regular backups and advanced data protection measures.

 

“Our computer systems have been backed up on a nightly and weekly basis for decades. This redundancy allows the Registry to maintain a permanent record of all land document recordings in the event of a disaster affecting our building at 649 High Street, Dedham. In addition, the Registry also, per state law, microfilms all recorded land documents and ships the microfilm off-site to a secure location where it can be retrieved in the event of a catastrophe,” stated the Register.

 

The Register further emphasized the importance of these measures, stating that the backup systems and off-site storage ensure the preservation and accessibility of important land documents even in the face of unforeseen circumstances. This commitment to safeguarding records reflects the Registry's dedication to providing reliable and uninterrupted services to the public.

 

Residents and those with an interest in Norfolk County property records are encouraged to visit the Registry of Deeds. Users of the Registry have options to view land documents by whichever means they are comfortable with. You, as a member of the public, can research property in hard copy via books, online at one of our many computer workstations available to the public, or from the convenience of your home or work computer.

 

The Registry of Deeds understands the importance of accessibility and convenience for its users. By offering both physical and online options to view land documents, individuals can choose the method that best suits their needs and preferences. This commitment to flexibility ensures that residents and those with an interest in Norfolk County property records can easily access the information they require, further enhancing the Registry's dedication to providing reliable and uninterrupted services.

 

Concluding his remarks, Register O’Donnell stated, “The core mission of the Registry of Deeds is to record land documents in a safe, accurate, secure, and accessible manner. Part of this charge is to serve as a depository for over 10 million land documents recorded from the Registry’s beginning in 1793 right up to the present day. While we have embraced the latest technologies to improve efficiencies, the printing of books allows us to maintain a permanent hard copy record of each recorded land document on-site.”

  

 If you would like to stay up-to-date on upcoming Registry of Deeds events, programs, and real estate information, you can sign up for our Registry email updates at www.norfolkdeeds.org, like us on Facebook at www.facebook.com/norfolkdeeds, or follow us on Twitter at www.twitter.com/norfolkdeeds.

 

The Norfolk County Registry of Deeds, located at 649 High St., Dedham, is the principal office for real property in Norfolk County. The Registry is a resource for homeowners, title examiners, mortgage lenders, municipalities, and others with a need for secure, accurate, and 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 at (781) 461-6101 or email us at registerodonnell@norfolkdeeds.org.