When the CTD Isn’t Clear

🧾 How Title Companies Can Handle Ambiguous or Incomplete Property Tax Data in Colorado”

In Colorado real estate, the Certificate of Taxes Due (CTD) is a critical document for ensuring clean title and accurate closings. But what happens when the CTD is incomplete, unclear, or doesn’t match the property’s actual tax status?

For title companies, these inconsistencies can delay closings, create liability, and frustrate clients. Here’s how to spot the red flags—and how COCRS can help you resolve them fast.

🔍 Common CTD Issues Title Companies Encounter

1. Mismatched Parcel Numbers or Legal Descriptions
   CTDs sometimes reference outdated or incorrect parcel data—especially in subdivided or recently reassessed properties.

2. Missing Special Assessments or Liens
   Not all counties include special district assessments or pending liens on the CTD. These omissions can lead to post-closing surprises.

3. Deferred Taxes Not Clearly Disclosed
   With Colorado’s expanded deferral programs, some taxes may be postponed but still accrue as liens. These aren’t always obvious on the CTD.

4. Timing Gaps
   CTDs reflect taxes due at the time of issuance—but if the closing is delayed or spans a new tax cycle, the data may no longer be current.

🛠️ What Title Companies Can Do

• Double-check parcel and legal descriptions against the assessor’s and treasurer’s records.
• Request clarification from the county treasurer if the CTD seems incomplete.
• Search for additional liens or assessments that may not appear on the CTD.
• Document all findings to protect your file and reduce liability.

But all of this takes time—and when you’re juggling multiple closings, time is in short supply.

✅ How COCRS Solves the Problem

At COCRS, we specialize in identifying and resolving CTD discrepancies before they become closing issues. We:

• Cross-reference CTDs with assessor and treasurer data
• Flag inconsistencies and missing assessments
• Contact counties directly for clarification
• Deliver clean, verified tax documentation—fast

Whether you’re dealing with a routine closing or a complex transaction, we make sure your tax data is accurate, complete, and ready for closing.

📞 Don’t Let a Bad CTD Derail Your Deal

If you’re facing unclear or incomplete property tax data, let COCRS handle the legwork. We’ll get you the answers you need—quickly and accurately.

👉 Contact COCRS Today

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