To avoid delays or legal hurdles when it comes time to sell, ensure you have digital and physical copies of these documents:

• Owner’s Title Insurance Policy: Your #1 defense against ancient liens and ownership disputes.
• The Deed: The legal document confirming your ownership of the property.
• Survey / Plat Map: Shows your property boundaries, easements, and encroachments.

• Closing Disclosure (CD): Essential for tax purposes to prove your basis in the home.
• Mortgage Satisfaction / Release: Proof that your previous loans were paid in full.
• Property Tax Records: Including any special assessments or exemptions.

• Permits & Final Sign-offs: For any major renovations (decks, additions, electrical).
• Warranties: Roof, HVAC, windows, and major appliances.
• Capital Improvement Receipts: These can reduce your capital gains tax when you sell.

Pro-Tip: Store a physical copy in a fireproof safe and a digital backup in a secure cloud folder labeled "[Home Address] Documents."