Deed Theft Is Rising in New Hampshire

There was a recent news article highlighting a growing concern across New Hampshire: deed theft.

Most homeowners have never heard of it, which is exactly why it can be dangerous.

While this is still relatively rare, reports of deed fraud have been increasing nationally, and local officials are urging property owners to stay aware.

What Is Deed Theft?

Deed theft happens when someone fraudulently records a deed that transfers ownership of your property into their name without your knowledge.

The scam typically involves forged signatures and falsified documents that are recorded at the county Registry of Deeds. Once recorded, the fraudster may attempt to:

• Sell the property
• Take out loans against the property
• Rent the property to unsuspecting tenants

Because New Hampshire is a recording state, the registry records documents but does not verify authenticity beyond formatting requirements. That means fraudulent documents can sometimes be recorded before anyone realizes there is a problem.

Who Is Most at Risk?

Although any property owner could technically be targeted, certain properties tend to be more vulnerable:

• Vacant homes
• Second homes
• Seasonal lake properties
• Investment properties
• Homes without an active mortgage

Properties that are not closely monitored are often easier targets.

Given how many second homes exist in the Lakes Region, this is something many homeowners should at least be aware of.

How to Protect Yourself

The good news is that there are simple steps you can take.

1. Confirm your mailing address
   Make sure your property tax bills and any official correspondence are going to the correct address.
   
   
2. Periodically check your property record
   You can search your property through your county’s Registry of Deeds website. It takes only a few minutes to confirm that no unexpected documents have been recorded.
   
   
3. Act immediately if something looks wrong
   If you ever see a recorded document that you do not recognize, contact a local real estate attorney right away. The sooner fraudulent activity is addressed, the easier it is to resolve.
   
   

Why Awareness Matters

For most homeowners, their property is their largest financial asset.

The goal is not to create fear. It is simply to stay informed.

Five minutes of checking your property record once or twice a year can provide significant peace of mind.

If you would like help navigating your local registry website or have questions about protecting your property in the Lakes Region or Southern New Hampshire, I am always happy to help.

Helpful Links
Your Personalized Home Valuation
Popular Searches

Tim Champagne
Realtor with The Dow Group
Keller Williams Coastal and Lakes & Mountains Realty
Cell: 603.520.4955
Office: 603.285.9121
Email: tim@thedowgroup.com
Website: https://tim.thedowgroup.com