Legal News You Can Use: Understanding the Importance of Title Searches

Many people fail to acknowledge the many steps required to purchase a home. Real estate transactions involve far more than touring a property, making an offer and closing on it.

For one, you will likely want a mortgage pre-approval before submitting an offer. Once you’ve signed a real estate contract for the home you’re buying, you will need to have it inspected to ensure it’s free from major defects. Furthermore, you must perform a title search on the property to make sure no barriers to your transaction exist.

What do title searches uncover?

To purchase a home, you must ensure it has a clean title. A title search will determine whether claims or issues exist that make it unsaleable.

While you can perform this search on your own, an attorney or a title company usually completes it. These professionals will know what to look for when evaluating the property’s title and going through public records. Their research may uncover problems that could prevent you from taking ownership of the property.

These problems include:

  • Competing claims of ownership
  • Mistakes in public records
  • Restrictive covenants
  • Outstanding liens
  • Encroachments

Why do title searches require insurance?

Before beginning your title search, you will want to secure title insurance on your property. Your mortgage lender will likely require you to purchase it since it protects them from any financial loss that title issues could cause. Keep in mind that standard title insurance will not protect you if your property’s title has defects. You have the option, though, to purchase owner’s title insurance, which will offer protection.

Title searches are a complex, confusing and necessary part of homebuying. Just because the process can be challenging should not dissuade homebuyers from completing their due diligence before they close.

Old Lyme Zoning Delays Decision on LOL Schools’ Proposed Artificial Athletic Field Pending Drainage Review, ‘It’s All About Drainage’ (Cable)

This image, courtesy of Milone & MacBroom, shows the current field behind Lyme-Old Lyme High School (left) and the proposed synthetic turf field (right.)

OLD LYME — The Old Lyme Zoning Commission listened patiently in their meeting held Monday evening via Zoom to a presentation by representatives from Milone & Macbroom on the proposed synthetic turf multi-purpose field, which Lyme-Old Lyme Schools plan to build to the rear of Lyme-Old Lyme High School. The first part of the meeting constituted a Public Hearing for the project.

The new field, priced at approximately $2.5 million, will be built on top of the existing geothermal system and the presenters agreed the selected contractor would have to perform, “Pre-construction tests to make sure the the geothermal system isn’t compromised.”

They also detailed how, “The premise is that water is going completely through the carpet [the synthetic turf]” and then drained away through a vast system of pipes.

Asked whether there was any danger of pollution from the drained water, the presenter replied, “Because of the way we design the system, the water running off is clearer than the rain going in,” adding, “There’s chemicals in there, but the materials do not ever leach out. We don’t see any environmental impacts.”

He noted that the use of recycled tires for the production of synthetic turf also, “Saves tires going into landfills.”

Asked by commission member Jane Marsh how long the artificial field could be expected to last, the presenter responded, “Eight years is the expected life … I’ve seen up to 14 years. He concluded, “The fields should easily last 12 years.”

When the time comes to replace the field, the presenter explained, “All the infrastructure below the turf [the geothermal system] will remain. Just the turf will be replaced.”

There were no questions or comments from the public and so the commission voted unanimously to close the Public Hearing.

The commission then went on to discuss the project as an item of business in their regular monthly meeting and that was when things took an unexpected turn. Long-term commission member Jane Cable stated, “I don’t feel competent to evaluate the drainage. This should automatically have gone to Tom [Metcalf – the Town Engineer.]”

Commission member Maria Martinez agreed with Cable saying, “We should do due diligence and double-check.”

Cable said pragmatically, “It’s all about drainage.”

Marsh added, “My breath is being taken away by the cost of this thing,” but Martinez reminded her that the commission’s job is not to consider the cost of the project but rather, “We have to approve [its] safety.”

Members of the commission concurred that the Old Lyme Inland Wetlands Commission had already approved the project but with a condition relating to the permeability of the walkway. They requested that Land Use Coordinator Dan Bourret should send the plans to Metcalf for his review, to which Bourret agreed.

Cable then proposed a motion, “… that we put our decision off to next month to get the review from Tom.” The motion to continue the discussion to next month’s meeting was unanimous.

Editor’s Note: Visit this link for more information about the proposed synthetic turf field, 

 

Roger Tory Peterson Estuary Center Presents the ‘Great Eats’ Raffle, Benefits Conservation Efforts

Gift certificates at a variety of shoreline eateries valued at $400 each are on offer as prizes in the ‘Great Eats’ raffle hosted by the RTPEC.. Photo by Artem Beliaikin on Unsplash.

OLD LYME — Purchase a Great Eats raffle ticket and support the conservation of our land, waters and the species that inhabit them.

Enter for a chance to win a gift certificate to some of the Shoreline’s finest eateries, valued at $400 each. Certificates will offered from eateries including:

  • Alforno Trattoria & Bar,
  • Atlantic Seafood,
  • Bar Bouchee,
  • Carlson’s Landing,
  • Fromage Fine Foods,
  • Griswold Inn & Wine Bar,
  • La Marea,
  • Liv’s Oyster & Restaurant
  • Old Lyme Inn
  • Pasta Vita Inc,
  • The River Tavern,
  • Rustica Restaurante,
  • Weekend Kitchen

Only 250 tickets will be sold.

Winners will be notified Oct 8, 2020 via email.

Raffle funds will benefit shoreline restaurants and support the Roger Tory Peterson Estuary Center’s efforts to strengthen the Southeastern Connecticut community and environment using three complementary approaches: Education, Research and Advocacy.

Drawings will be held on October 8, 2020 at 5 p.m. and can be seen on Facebook Live.

Purchase tickets at https://ibidmobile.net/greateats/reservations/

Meet a (Hula-Hooping) Moose in Cushman’s Enchanting Story of Being ‘Soaked’

LymeLine.com publisher Olwen Logan reads ‘Soaked’ by Abi Cushman to her grandson, William Logan, who assisted significantly with this book review.

“Soaked” is quite simply an enchanting book that captivates and delights youngsters from the first page to the last.

I can say that with some authority since I ‘tested’ the book on my two-year-old grandson William and his response to it was nothing short of remarkable. He not only asks for the book by name every time he sees me but also  — or so his parents tell me — at almost every bedtime.

Moreover, he has renamed it!

And the reason he did that is because the only word in the whole book that he didn’t understand was, by coincidence, its title … ‘Soaked.’ By the way, the inside cover states the book is for, “Age 3 and up,” but William, at two, lapped it up.

When I finished reading ‘Soaked’ to him for the very first time, William desperately wanted to hear it again and, without hesitation, asked me to read the “Rain Book,” which is, in fact, a wonderfully apt title.

That is now what it will be known as henceforward in our family since we took a copy on a family vacation recently and by the end of the week, every member of the family had read the ‘Rain Book’ to William multiple times!

First-time author-illustrator Abi Cushman of Niantic, Conn. is an extraordinarily talented illustrator. (Full disclosure, I know Abi, but primarily in a professional capacity.) Although she remains remarkably unassuming about the fact she is now a published author, she should be extremely proud of that achievement — and perhaps even more so, of the beautiful book that is the root of her new-found fame.

She has created four characters, Bear, Badger, Bunny and Moose, whom you feel you’ve known your whole life … in the same way that we all know Winnie-the-Pooh. Their respective personas come through loud and clear though Cushman uses very little narrative to convey them.

Moose is far and away William’s favorite character in the story.

Well, of course he is … who couldn’t be drawn to a Hula-Hooping moose? You’ve never heard of a Hula-Hooping moose? Neither had we, but he fits so perfectly into this delightful story, you take him completely for granted as though it’s perfectly normal for a moose to have a set of hula-hoops at which he is adept at using.

The hula-hoops are, in fact, key to this simple tale, cleverly linking its various elements and locations. The story travels from sad scenes in the depressing rain through to Bear’s dry cave (where there is insufficient space for Moose to hula-hoop, but he does it anyway!) followed by the rescue of a hula-hoop from a high branch (which involves a great deal of precarious standing on shoulders) and then the jovial collapse of the tower of animals.

All the animals, who topple together after successfully retrieving the hula-hoop, surface cheerfully in a mass of water and are thoroughly “soaked.” This jolly scene leads to the idea that Bear should try hula-hooping.

Now Bear, who is the story narrator, is a pretty grumpy fellow and anxious to maintain his negative outlook on the world, regardless of what befalls him. He does not want to enjoy hula-hooping but it is abundantly clearly from the charming illustrations that Bear takes to it like (and forgive the pun!) a duck to water, urged on by the ever-present, cheery Badger (with the bumble-bee umbrella) and bounce-along Bunny.

There are a variety of morals that can be drawn from this simple story and the reader can choose which one is most age-appropriate. It could be a deeper one like the value of true friends or the strength of teamwork, or simply that you don’t have to have sun to have fun.

There are other possibilities too and another strangely wonderful thing about this book is that there are many places in the text where you can fill in the story details as you wish, making it possible to create new twists to the story with every reading

I won’t be a spoiler and divulge the surprising ending to the story.

You’ll have to buy — or borrow — the book for yourself. And I strongly recommend you do just that because this is a very special book, which I predict will stand the test of time … perhaps even lasting as long as that beloved Pooh!  The illustrations on their own justify the purchase of the book.

This may be the humble Cushman’s first book but I’m confident it certainly won’t be her last. I sincerely hope we’ll soon be hearing more about the adventures of Bear, Badger, and Bunny and not forgetting, that Hula-Hooping Moose!

Editor’s Note: Visit Abi Cushman’s website for more information about the book and details of where to purchase it.

Letter to the Editor: It’s Time for Change, Rubino Will Promote Climate of Equality as State Rep.

To the Editor:

I met Dave Rubino last year while working on a local election in Old Lyme.  You learn a lot about a person when you are knocking on doors and phone calling together.  I was immediately drawn to his passion to serve the people.  As a Human Rights Lawyer, who has work in the US and overseas, he has a breadth of knowledge and experience about creating a climate of equality that we desperately need in our country right now.

I realize we don’t have term limits, but I only wish we did.  I do believe that even the best intentioned politician loses their passion after a certain amount of time in office.  Although well meaning, I do believe Devin Carney has lost his edge for serving the people and putting his heart into his responsibilities as the State Representative.  It is through the ballot box that we can enact term limits and bring a fresh perspective to and energy for our district state representative. seat.  The year 2020 is a time for change.  I trust Dave Rubino and I plan to support him with my vote on Election Day.  I hope you will join me!

Sincerely,

Kathleen Tracy,
Old Lyme.