Ramsey County Courts - Examiner of Titles Office
Suite 1025 RCGCW, 50 W.Kellogg Blvd, St.Paul, MN 55102
Phone: (651) 266-2886
Fax: (651) 266-2891
"ABSTRACT" vs. "TORRENS" LAND
Abstract
land refers to parcels of land
that have not been registered, or more commonly, land that is not
"Torrens." Prior to the enactment of
the Torrens act (now Minn. Stat. §508)
in 1901, all land was abstract land.
The office of the county recorder accepts all instruments for recording
which affect non-Torrens land. In order
to determine the status of title to abstract land, in Ramsey County, private
abstract companies prepare new, or continue already existing, "abstracts of
title." An abstract of title is a
compilation of all of the instruments (beginning with the original grant or
patent from the U.S. government) affecting the particular parcel of land under
examination. The abstractor makes
entries, in numerical order, of only the essential parts of each instrument
shown, although sometimes the abstractor will photocopy the instrument and show
it as an exhibit to the entry. In
general, attorneys examine the abstract and from such an exam, issue a title opinion. Each time the title is transferred, the
abstract must be continued to date and re-examined, again from the original
grant or patent to the present date.
Over time the abstract becomes longer, bulky and more difficult to
examine.
By contrast, land which is registered or "Torrens" is governed by a
specific statute, Minn. Stat. §508. One of the hallmarks of the registration
proceeding is the issuance of a "certificate of title", which effectively
replaces the old "abstract of title".
In general, only those matters appearing on the certificate of title
need to be examined. Immediately
following the judicial hearing and signing of the decree of registration, the
decree is filed with the registrar, who then issues a certificate of title in
the name of the owner, subject only to all adjudicated encumbrances (and
statutory exceptions).
Usually title to abstract land is registered
under chapter 508 because of title defects disclosed by an examination of the
abstract. However, developers or others
often desire to eliminate the abstract in favor of having the more "user-friendly"
certificate of title, as
compared to the cumbersome abstract of title.
Under the Torrens system, it is no longer necessary to examine, over and
over again with every transaction, each instrument dating back to the U.S.
government. Instead, only an
examination of those matters appearing on the certificate of title must be
made.
Another unique feature of the Torrens system is
that all instruments are reviewed by the Torrens clerk for accuracy prior to
filing, and many instruments must be certified by the examiner (or deputy
examiner) before the registrar of titles may accept them for filing. See page
15 of the "Guide to the Torrens System" for a list of the type of instrument that
will need prior written approval. This
aspect of the Torrens system assures the accuracy of certain conveyances or other matters, such
as adding a street vacation to the body of the certificate of title.