HeritageDeed Title Search and Property Data

One county's upcoming tax or sheriff sales (next 21 days), per sale date: properties listed, pre-checked, and how many carry an open or second mortgage, a lien, a lis pendens, open code violations, a high risk score, or came back clear. `state`: two-letter code; `county`: county name ('Philadelphia', 'Harris', 'Montgomery'). Counts only. Only counties HeritageDeed title-searches (list_coverage).

Building code violations and building permits on record with the city for one address, free, from the city's own records (the same sources the title search report reads). `city`: chicago, philadelphia, cincinnati, mesa, glendale-az (Glendale, Arizona), gilbert, buffalo or provo (list_coverage returns the current list). `address`: street address starting with the house number, e.g. "233 S Wacker Dr"; the city is added when missing. Returns counts over every record on file (total, open, severe, in court, balances due, active / expired permits) and the most relevant violations and permits: the first 5 of each without an account (`gated: true`, `wall` holds the true totals and `message` says how a person unlocks the rest on the page; the counts are complete). Some cities publish only one of the two (Glendale: violations; Gilbert, Provo: permits). status: 'ok'; 'not_found' (no parcel matches: ask the user to check the address); 'not_searched' (outside city limits: the message says why); 'unavailable' (the city's service did not answer: not a 'no violations' answer; retry later).

A checkout link for one county. product 'list_pass' (County List Pass, $19 one-time, 30 days): that county's full surplus funds and tax sale lists with the CSV. product 'auction_pack' ($149 one-time, 30 days, title-covered counties with an upcoming sale: upcoming_auction_sales): the pass plus every property of the county's upcoming sales pre-checked with a title search (open mortgages, liens, lis pendens, tax, violations) and its full report PDF. `state`: two-letter code; `county`: county name. No sign-in: give the user `checkout_url`; Creem asks for their email; after paying, the browser returns to the county list unlocked, and the purchase stays on the account of that email (sign in at /account with a code). Refunds: https://heritagedeed.com/refund-policy.

A checkout link for an account product. 'pro' (HeritageDeed Pro, $39 a month): every county's full surplus funds and tax sale lists with history and CSV, daily new-listing alerts, full lookup results. 'pro_reports' ($199 a month): Pro plus 10 title reports a month. 'api_credits' ($250 per pack of 10 title reports, `packs` 1-20): prepaid reports that do not expire. Monthly plans renew until cancelled on /account. Give the user `checkout_url`. Without an API key on the connection, Creem asks for their email and the plan or credits land on that email's account (they sign in at /account with a code). With an API key on the connection, they land on the key's account.

Census tract of a US street address with the designations lenders and tax-credit programs use: the 11-digit tract GEOID (2020 boundaries), the FFIEC 2026 tract income level (low / moderate / middle / upper, from the tract median family income as a percent of the metro or statewide nonmetro median; low and moderate = LMI tract for CRA), HUD Qualified Census Tract status for 2026 and 2027, HUD Difficult Development Area status (by ZIP Code Tabulation Area in metro areas, by county outside them), and Opportunity Zone status. Read from the official lists; a point near a tract boundary can fall in the neighbouring tract, so confirm with the agency before relying on it.

Check an address BEFORE ordering (takes a few seconds). For a title search (report_type 'current_owner', the default) give `state` and `county`: it matches the address to a real parcel in the county's records. For report_type 'environmental' only the address is needed: it is matched with the US Census geocoder (any US address). status 'matched' = safe to order; 'not_found' = ask the user to correct the address; 'not_covered' = the county is not covered; 'unavailable' = the county / Census service is down right now (a title search can still be ordered and retries; an environmental order needs the geocoder, so try again later).

Check whether a title search can be ordered for a county (or a borough / city such as Brooklyn, Tampa, Houston). Returns the exact `state` and `county` values to pass to order_title_search. (The Environmental Records Report and the flood / Superfund lookups work at any US address and need no coverage check.)

Check that a property can get a Property Tax Appeal Evidence Pack, before ordering. `place`: 'Cook' / 'Chicago', 'Philadelphia', or an NYC borough ('Manhattan', 'Brooklyn', 'Queens', 'Bronx', 'Staten Island'). `parcel_id` optional: the 14-digit Cook PIN, NYC BBL or Philadelphia OPA account (needed for condo units). Status: matched / ambiguous (several parcels: ask for the unit's parcel number) / not_found / unavailable (assessor down: retry).

FHFA conforming loan limit, FHA loan limit and VA county loan limit for one US county (any of the 3,144 counties in the 50 states and DC), for 1 to 4 unit homes, for the year in effect today, plus next year's once FHFA (late November) or HUD (December) has published it. `state`: two-letter code or name ("TX", "Texas"). `county`: name or FIPS ("Harris", "Harris County", "48201", "St. Louis city", "Orleans Parish"). Returns the limits, whether the county is high-cost, HUD's area and median price behind the FHA limit, the state range, the page URL and sources.

Start watching a property in a covered county for `email`. `address`: street address with house number and city (e.g. '1702 Ellsworth St, Philadelphia'); `state`: two-letter code; `county`: county or borough ('Philadelphia', 'Cook', 'Brooklyn'). Returns the watch and, for a new email, `access_key` + `dashboard_url`: the ONLY key to that watch list (no password exists), shown once; give it to the user and tell them to keep it private. The first check runs within minutes (status 'pending' until the parcel is resolved). An email that already has a watch list gets an error: its owner adds properties from their own list. Property Watch is $9.99 a month per property (cancel any time): a new watch answers with a checkout link and starts once it is paid.

HUD Fair Market Rents (studio to 4 bedrooms, monthly) for one US county, for the current HUD fiscal year and the previous one, which year is in effect, the 90-110% voucher payment standard range, whether the area is a HUD-designated Small Area FMR metro, and the state and national medians. `state`: two-letter code or name. `county`: name or FIPS ("Harris", "Cook County", "17031"). New England counties list each HUD area with its towns.

HUD Small Area Fair Market Rents for a 5-digit ZIP code (studio to 4 bedrooms, current and previous HUD fiscal year), with the 90-110% payment standard range and whether the metro is one of HUD's 65 designated Small Area FMR areas (where housing agencies must use the ZIP figures). Non-metropolitan ZIP codes have none: use fair_market_rent_by_county for those.

USGS-mapped earthquake faults near a US street address: every mapped fault section within 5 miles, nearest first (name, section, distance in miles and feet, direction, age of the most recent movement from 'historic' (< 150 years) to 'undifferentiated Quaternary' (< 1.6 million years), slip rate and sense, mapping scale, USGS report link), or the nearest mapped fault within 100 miles; plus the USGS 2014 seismic hazard map value (peak ground acceleration with a 2% chance of exceedance in 50 years, %g). Takes a few seconds. Returns the tool page URL. Mapped faults only: not a geotechnical or fault-rupture assessment.

FEMA flood zone at a US street address (any of the 50 states or DC), free. `address` = full street address with house number, city and state, e.g. "1600 Pennsylvania Ave NW, Washington, DC 20500". Returns the zone (A/AE/V/VE = Special Flood Hazard Area, shaded X = 0.2% annual chance, X, D), a plain-language label and explanation, whether federal rules require flood insurance for a federally backed mortgage, base flood elevation where FEMA publishes one, and a FEMA Flood Map Service Center link for the official map panel. status: 'ok'; 'invalid' (the address could not be matched: the message says why; ask the user to correct it); 'unavailable' (the flood map or the address lookup did not answer: the zone was NOT determined, this is never a 'no flood zone' answer; retry later); 'rate_limited'. Always tell the user this is a screening from FEMA's layer, not an official flood zone determination (lenders use FEMA's Standard Flood Hazard Determination Form).

Progress of an order (title search or environmental): status ('pending', 'processing', 'complete', 'failed'), per-source progress, and the error message if it failed. When complete, call get_report.

The finished report as structured JSON. Title search: property and owner of record, risk score and summary, key findings, chain-of-title counts, environmental and tax data, sources searched with their status. Environmental report: every federal list searched with the records found and their distances, site facts and sources. Also returns the PDF link. Only works once get_order_status reports 'complete'.

A real finished report to look at before ordering. report_type 'current_owner' (default): the title search for 350 Fifth Avenue, New York (Empire State Building). 'environmental': the Environmental Records Report for 300 Bond Street, Brooklyn. Returns the page and the PDF.

The finished Property Tax Appeal Evidence Pack as JSON (assessments, appeals, comparable sales, ratio check, deadlines, sources with pull dates, anything NOT RETRIEVED) and its PDF link. Works once the order is complete.

Status and result of a tax sale due diligence batch: per parcel, the debts found with amounts and the effect of the sale, every check's status (found / none found / not searched / did not answer) and the cited rules; plus CSV and PDF links. 'Not searched' never means there is no debt.

Terms, privacy, refund policy and the legal boundary of every product (what a report or lookup is and is not).

Which homeowners' association (HOA / POA / condo association) may govern an address, from the official state registries: Texas (HOA management certificates filed with the state, matched by ZIP code and the subdivision words in the appraisal district's legal description) and Utah (Department of Commerce HOA Registry, matched through the Utah County subdivision name). `address`: full street address with city and state. `community` (optional): the subdivision or community name, which ranks the candidates. Returns candidates with how each matched, the management certificate PDF (Texas) or registration number, status, expiry and management company (Utah). Candidates only: the recorded declaration (CC&Rs) on the lot decides. Other states: status 'unsupported' with guidance.

Where each HeritageDeed product works. Title search: the states and counties (with main cities) where a report can be ordered, what it includes and does not, and the price. Also: the Environmental Records Report, flood zone and Superfund lookups (any US address), the cities with building records, the places with property history, the counties with surplus funds and tax sale lists, and the calculators' states. Call this before ordering if you are unsure of the county; the list is live (new counties appear automatically).

Every HeritageDeed product available through this server: the two reports (ordered with order_title_search), the passes and plans (County List Pass, auction pack, Pro, Pro Reports, API credits, Property Watch) with the tool that sells each, and every free lookup or calculator, with a one-line description and its tools.

Read a watch list with its `access_key` ('wk_...', from create_property_watch or the dashboard link after '#k='). Without `watch_id`: every watched property with its status, last check and unseen event count. With `watch_id`: that property's events, newest first: kind (deed_recorded, mortgage_recorded, lien_recorded, lis_pendens_recorded, owner_changed, violation_new, tax_sale_listed, surplus_listed, court_case, ...), severity (high / medium / low / info), title, date, official source link. People's names are initials.

Who owns / is behind an LLC or corporation, from official sources. `mode='name'`: `query` is the business name (e.g. 'ESRT Empire State Building LLC'); `mode='address'`: `query` is a street address and the owner of record there is looked up first (NYC, rest of New York State, Philadelphia, Illinois, Texas, Utah County), then the entity. `state` (two letters, optional) limits the registry search to one state; registries searched: NY, TX, PA, CO, CT, OR (official open data). Returns: registry `records` (status, formation date, entity type, principal office, registered agent, officers/principals where the state publishes them, link to the official record), and `properties` recorded to that exact entity name in NYC ACRIS (deeds, mortgages), NYC HPD registrations, NY State assessment rolls, Philadelphia OPA and Illinois PTAX-203 transfer declarations (with the declared signer's title). People appear only as initials. New York does not publish LLC members; Florida (Sunbiz) is not searched automatically (its link is returned). Refuses a person's name: business entities only.

The HeritageDeed account behind the API key sent on this MCP connection (a Bearer token header with the hd_live_... key): report credits left (prepaid and Pro Reports allowance), current plans, Pro status. With a key, order_title_search pays from these credits instead of returning a checkout link. Without a key: how to add one.

This year's national loan limit figures (FHFA conforming baseline and high-cost ceiling, HUD FHA floor and ceiling, for 1 to 4 units), next year's once announced, and each state's lowest and highest county limits. Use county_loan_limits for one county.

NYC 'who is my landlord': the building's HPD Multiple Dwelling Registration by address. `borough` is one of manhattan, brooklyn, queens, bronx, staten-island; `address` is the street address with house number (e.g. '2400 Davidson Ave'). Returns registration status (current or expired, end date), the registered owner (company name, or initials for a person), head officer and officers (initials), managing agent company, HPD violation counts (open by class A/B/C), the grantee on the newest ACRIS deed for comparison, and the HPD Online link with the full registration. status 'not_registered' means HPD has no registration on file (not 'no owner').

Is a US street address in a designated Qualified Opportunity Zone? Checks the address's 2010 census tract (the boundaries the designated zones keep) against the official list (IRS Notice 2018-48 and Notice 2019-42, 8,764 tracts; designations end December 31, 2028, Puerto Rico's December 31, 2027), and its 2020 tract against the Rev. Proc. 2026-14 list of tracts ELIGIBLE FOR NOMINATION as 2027 zones (eligible is not designated: governors nominate, Treasury designates, new zones run January 1, 2027 to December 31, 2036). designated null = the 2010 tract service did not answer (not a no). Not tax advice.

Order a Property Tax Appeal Evidence Pack (PDF + JSON): the parcel's assessment history, appeal outcomes on record, comparable sales, a neighborhood assessment-to-sale ratio check computed from the assessor's own data, and the filing deadline with the official route. $49 per pack. Then poll get_order_status(order_id) until 'complete' (about a minute) and call get_tax_appeal_evidence(order_id). Data only: no appeal is filed and no one is represented.

Order a report for a property. report_type 'current_owner' (default) = the title search report: `address` is the street address (house number, street, city, ZIP), `state` the two-letter code, `county` the county (or borough / city alias); only covered counties (check_coverage). report_type 'environmental' = the Environmental Records Report for any US street address: give the full address with city and state; `state` and `county` are not needed (they come from the Census geocoder). Returns an order_id; then poll get_order_status every ~20 seconds until status is 'complete' (usually 1 to 3 minutes) and call get_report. Costs $49 for a title search and $29 for an Environmental Records Report. `email` is optional: the report link is emailed to it. Payment: the answer carries `checkout_url` for the user to pay in a browser (the search starts once paid). When the MCP connection sends the user's API key (a Bearer token header with the hd_live_... key), the order is paid from that account's report credits or Pro Reports allowance instead, with no checkout (my_account shows the balance; buy_plan sells credits).

High-voltage electric transmission lines (100 kV and above) near a US street address, from federal infrastructure data: every mapped line within 1 mile, nearest first, with distance in feet and miles, direction, voltage, owner as recorded, the two substations it connects and its status, plus counts within 500 ft, 1/4, 1/2 and 1 mile. Local distribution lines on street poles are NOT in the data. Returns the tool page URL.

What has been recorded against a property, from the official parcel-keyed land records index, free. `place`: manhattan, brooklyn, queens, bronx, staten-island, philadelphia, cook (Cook County IL, Chicago), hamilton (Hamilton County OH, Cincinnati) or utah (Utah County UT, Provo/Orem); county or city names work too. `address`: street address starting with the house number; in Hamilton and Utah counties add the city after a comma (e.g. "851 W 300 S, Orem"), since street addresses repeat between towns. Returns counts of recorded documents by kind (transfers, mortgages, releases, other) and by year, document types, the first and latest recorded event, the transfers with date, type and recorded consideration (the first 5 without an account: `gated: true`, `wall.total` is the true count, `message` says how to unlock the rest), the parcel id and index searched, and building record counts where available. People's names are masked to initials; businesses and public bodies are shown as recorded. It does NOT say which mortgage is open or released (that matching is the title search report). status: 'ok', 'not_found' (no parcel matched), 'ambiguous' (several parcels: the message lists them), 'unavailable' (the county did not answer: not 'nothing recorded'; retry later), 'invalid'.

Effective property tax rate for one US county (median real estate taxes paid / median home value, Census ACS 5-year), with the state and US rates, the county's rank in its state and nationally, and its neighbours. `state`: two-letter code or name. `county`: name or FIPS ("Harris", "Essex County", "34013").

Effective property tax rate for a 5-digit ZIP code (Census ZIP Code Tabulation Area, ACS 5-year medians), with the US rate. Pass `home_value` for a rough estimate of the yearly tax at that rate (an illustration, not a bill). `small_sample` flags ZIP codes with under 200 owner-occupied homes (wide margin of error).

Effective property tax rates of the 50 states and DC, ranked highest first (1 = highest), with median taxes and home values, the US rate, and the counties with the highest and lowest rates. Census ACS 5-year data.

Where HeritageDeed Property Watch works and what it checks there. With no arguments: every covered county (state code, county, whether recorded documents are watched by parcel). With `state` (two-letter code) and `county` (e.g. 'Cook', 'Kings' or 'Brooklyn'): that county's checks (records, owner of record, building violations, tax sale / surplus lists, federal courts), each with its official source and cadence, plus the county recording office's own fraud alert service when it has one (`free` is true only where the office says so; recommend it too: it is official).

Radon facts for one US county without an address: EPA radon zone (with the note for counties renamed or created since 1993, and for Connecticut's planning regions the zones of the former counties their towns were in), and the radon test results on file (laboratory and state-program data; NY, PA and TN state data, with PA results by ZIP code and NY results by town). `state` is the two-letter code, `county` the county name ('Adams', 'Baltimore city', 'Capitol Planning Region'). Returns the county page URL.

Radon for a US street address or a 5-digit ZIP code: the county's EPA radon zone (Zone 1 = predicted average indoor screening level above 4 pCi/L, Zone 2 = 2-4, Zone 3 = below 2; EPA's 1993 county map) and the radon test results on file for the county (laboratory test data 2008-2017: tests, median pCi/L, percent at or above 4 pCi/L; CDC state-program data for the latest year reported; New York DOH, Pennsylvania DEP and Tennessee DOH state data). A ZIP code returns every county its Census ZIP Code Tabulation Area overlaps, by land share, and in Pennsylvania the DEP results for the ZIP itself. Give `address` (house number, street, city, state) OR `zip_code`. Returns the county page URL. Not a radon measurement of any building.

How many counties of a state are in EPA radon Zone 1, 2 and 3, and the counties with the highest median radon test result in CDC's laboratory data (2008-2017, counties with 20 or more tests). `state` is the two-letter code. Returns the state page URL and the national counts.

Recently sold properties (address, sale date and price only; no buyer or seller names) from official open data, the last 90 days each source has published: `area` = 'Manhattan', 'Brooklyn', 'Queens', 'Bronx', 'Staten Island', 'Cook' / 'Chicago' or 'Philadelphia'; optional 5-digit `zip_code`. Includes the median price, counts by ZIP and the date the data runs through (NYC and Cook publish with a lag).

How to use HeritageDeed's key-authenticated REST API (v1) instead of, or next to, this MCP server: base URL, how to get a free API key, authentication, endpoints, the live list of report types you can order, limits, signed webhooks, idempotency, batches (JSON or CSV) and the white-label PDF option. Use it when a developer wants to integrate title searches (O&E reports), lien and encumbrance checks or environmental records reports into their own software, or asks for an API key. This MCP server itself needs no key.

Seller net proceeds and the buyer's closing costs for a sale, free: Florida, Texas, New York City, New York State outside NYC, Philadelphia. `place`: fl, tx, nyc, ny or philadelphia. `price`; `payoff` (the seller's mortgage payoffs); `commission_pct` (total commission, e.g. 5.5); `loan_amount` (the buyer's new loan, for the lender's policy and Florida mortgage taxes); `owner_policy_payer` seller or buyer (default: local custom, seller in FL and TX, buyer in NY and Philadelphia); `seller_share_of_split_tax` 0 to 1 for taxes the contract splits (Philadelphia, default 0.5); `ny_county` for the TIRSA zone outside NYC; `recording_pages` (FL and TX, statutory fee) or `recording_amount` (NY, Philadelphia: entered); `other_seller_costs` (prorated taxes, HOA, repairs); `fl_prior_policy` (Florida reissue rate). Returns the seller's lines and total, the net to the seller, the buyer's lines and total, flags, and the sources of every rate. An estimate, not a closing disclosure.

Start a tax sale due diligence batch: a per-parcel flag sheet of debts that can outlive the sale, where public parcel-keyed data shows them (NYC: unreleased federal tax liens, unpaid ECB penalties, past-due DOF charges; elsewhere each debt type is marked 'not searched' with the statute's survival rule). Pass `record_ids` from the tax sale lists (up to 50), or `state` + `county` slug (e.g. 'NY', 'kings-county') for that list's first 50 parcels. Returns a job_id for get_tax_sale_due_diligence. Free, capped per client.

Every EPA Superfund National Priorities List (NPL) site in one state (50 states and DC), free: counts (final, proposed, deleted, construction complete), a per-county breakdown, the state's rank, plus other EPA record counts for the state (other Superfund/SEMS sites, leaking and registered underground storage tanks, brownfields, radon zones). Data is EPA's, refreshed nightly; `measured` gives each source's date. `state`: two-letter code or name. Optional filters: `county` (e.g. "Middlesex"), `status` ('final', 'proposed' or 'deleted'). `limit` caps the site rows returned (1 to 500; counts always cover every site).

EPA Superfund sites near a US street address (50 states and DC), free. `address` = full street address with house number, city and state. Returns the National Priorities List (NPL) sites within 3 miles (name, EPA id, status: final / proposed / deleted, listing and deletion dates, distance in miles and direction, EPA site page), how many active NPL sites are within 1 and 3 miles, the number of other Superfund (SEMS) sites within 1 mile and of EPA-regulated facilities within 0.5 mile, all measured from the address's geocoded point. status 'invalid' = the address could not be matched (the message says why); 'unavailable' = EPA or the Census address lookup did not answer (NOT a 'no sites' answer, retry later). Tell the user it is a records lookup, not a Phase I Environmental Site Assessment. The full search (RCRA, tanks, brownfields, flood, wetlands, radon, map) is the Environmental Records Report: order_title_search(address, report_type='environmental').

Superfund National Priorities List counts for every state and DC (final, proposed, deleted, construction complete, rank by final sites) and the national totals, from EPA data refreshed nightly. No site rows: use superfund_sites_by_state for one state's sites.

Search the surplus funds (excess proceeds) still on an official list: money left after a tax deed or foreclosure sale that the former owner or lienholders can claim. `state`: two-letter code or name; `county`: optional county name (e.g. "Duval"); `min_amount`: optional floor in dollars; `sort`: amount_desc, amount_asc, deadline_asc, deadline_desc or sale_date_desc; `page_number` from 1, `per_page` 1 to 100. Each row: case or certificate number, parcel id, property address, former owner (people as initials, businesses as recorded), sale type and date, amount as published, claim deadline and its basis, and the official list URL. Amounts are as the office published them; claims, deadlines and eligibility are decided by that office (the county page and surplus_funds_summary give the statute and how to claim). list_coverage lists covered counties. Free preview: this tool returns the first 10 rows of each county's list (page_number above 1 is empty) with the county's true `total_rows`; the full list and the CSV open with a County List Pass ($19 one-time, 30 days, one county: buy_county_list_pass) or HeritageDeed Pro ($39 a month, every county: buy_plan); the `message` field says so. Summaries are complete.

Per county: how many surplus rows are on the official list, their total and the largest, the list's own date and the last refresh, the office and list URL, the statute, the claim rule and how to claim, the deadline note. Optional `state` (code or name) narrows it. Use before surplus_funds_search to see what is covered.

Property tax appeal filing deadlines and the free / official filing route. `place`: 'cook' (Cook County, Illinois: the Assessor's live township calendar with each township's last file date and Board of Review window), 'nyc' (Tax Commission: March 1 for tax classes 2-4, March 15 for class 1) or 'philadelphia' (Board of Revision of Taxes: first Monday of October). Optional `township` narrows Cook to one township (e.g. 'Berwyn', 'Lake View').

Search properties still on an official tax sale / sheriff sale list. `state`: two-letter code or name; `county`: optional county name (e.g. "Horry"; New York City boroughs by county: "Kings" for Brooklyn); `sort`: sale_date_asc, sale_date_desc, amount_desc or amount_asc; `page_number` from 1, `per_page` 1 to 100. Each row: case or certificate number, parcel id, property address, owner (people as initials, businesses as recorded), sale type and date, the amount as the office labels it (opening bid, judgment, taxes due; some lists publish none), appraised value where given, status and the official list URL. Rows leave the list when the office removes them (paid, redeemed, sold, cancelled). Before bidding, a title search on the parcel shows the other liens and mortgages of record: order_title_search where the county is covered. Free preview: this tool returns the first 10 rows of each county's list (page_number above 1 is empty) with the county's true `total_rows`; the full list and the CSV open with a County List Pass ($19 one-time, 30 days, one county: buy_county_list_pass) or HeritageDeed Pro ($39 a month, every county: buy_plan); the `message` field says so. Summaries are complete.

Per county: rows on the official tax sale list, the next and last sale dates, the total of the published amounts, the list's own date and the last refresh, the office and list URL, the statute, the cited bidding and redemption rules and how to bid, and whether HeritageDeed's title search covers the county. Optional `state` (code or name) narrows it.

Title insurance premiums from the official rate schedule, free: Texas (TDI promulgated basic premium, effective March 1, 2026), Florida (Rule 69O-186.003), Pennsylvania (TIRBOP manual, August 1, 2024) and New York (TIRSA Seventh Revision, October 1, 2024, Zone 1 / Zone 2). `state`: TX, FL, PA or NY. `owner_amount`: owner's policy amount, usually the price (0 for a refinance = loan policy only); `loan_amount`: lender's policy amount (0 for cash). New York: `ny_county` (e.g. "Erie", "Kings", "Brooklyn") or `ny_zone` (1 or 2; NYC and downstate are Zone 2, the default). Pennsylvania: `pa_homeowner` for the ALTA Homeowner's Policy (+10%). Florida: `fl_prior_policy` = the seller's prior owner's policy amount when the reissue rate applies. Returns owner, loan and fee totals, every line with its rule, notes on what is excluded, the schedule's regulator, manual and effective date, and the sources. An estimate: endorsements and settlement fees are extra.

Real estate transfer taxes on a sale, from the statutes and tax offices, free. `place`: nyc (all five boroughs), ny (New York State outside NYC), fl (Florida outside Miami-Dade), philadelphia, chicago, cook (Cook County outside Chicago), nc, sc, ar, tx or az (state or city names work too). `price`: the consideration in dollars. `kind`: residential or other (NYC rates differ). `mortgage`: Florida only, the new mortgage amount (adds note stamps and the intangible tax). Returns each tax with its amount and who customarily pays (seller, buyer, negotiable), the total, flags for what is not included (NYC supplemental tax, local municipal taxes), and the sources. An estimate, not tax advice.

UCC financing statements (and NYC federal tax lien notices) where a BUSINESS is the debtor. `name`: the debtor business name as registered (e.g. 'Publix Super Markets, Inc.'). `where`: 'all' (default), 'FL' (Florida Secured Transaction Registry, statewide), 'NYC' (ACRIS personal property records: fixture and co-op filings and federal tax liens, four boroughs), 'CO' or 'CT' (state open data). Returns each filing's number, type, filing date, lapse date, status, secured parties and, in NYC, the property. New York State (DOS), Texas, Illinois, Ohio, Arizona and Pennsylvania are not searched automatically; `not_automated` gives each official search link and why. Refuses a person's name.

Upcoming tax sales and sheriff sales in the next 21 days in counties HeritageDeed title-searches, each with how many properties are listed and how many were already pre-checked with a title search: how many carry an open mortgage (on a mortgage foreclosure the loan being foreclosed is not counted), a second mortgage, a lien, a lis pendens, open code violations or a high risk score, and how many came back clear. Optional `state` (two-letter code or name). Counts only: no addresses or owners. The per-property results come with the county's auction pack (buy_county_list_pass, product 'auction_pack').

Is a US street address in a USDA Rural Development eligible area (the property-location test for USDA Single Family Housing Direct and Guaranteed loans, Section 502, and Multifamily Housing)? Give a full street address with city and state. Locates the address, then checks the point against USDA's official ineligible-area map layer (the one USDA's own Property Eligibility map uses). Returns eligible true/false, the matched address and county. NOT an official USDA determination (Rural Development decides on a complete application) and location only: household income limits (USDA income tool linked in the answer), credit and loan approval are separate. status 'not_determined' means USDA's map service did not answer: never read it as yes or no.

Zoning district of a property in New York City, Chicago or Philadelphia, from the city's own zoning data: the district (e.g. R6B, DC-16, RM-1), commercial overlays / overlay districts, special or planned development districts, and links to the city's zoning text. `place`: an NYC borough ('Manhattan', 'Brooklyn', 'Queens', 'Bronx', 'Staten Island'; 'nyc' works when the address names its borough or ZIP), 'chicago' or 'philadelphia'. Not an official zoning determination.