Anderson's Ohio Residential Real Estate Manual

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Anderson's Ohio Residential Real Estate Manual provides complete and timely information relating to every aspect of the residential real estate transaction in Ohio. Each chapter has been revised and updated to include the most recent statutory and case information.

The publication contains revised sections, new sections, and new forms, including the following:

Recent Cases analyzed include:

Obergefell v. Hodges, 576 U.S. 2584 (2015): United States Supreme Court held that the Fourth Amendment requires a State to license a marriage between two people of the same sex and, furthermore, requires a State to recognize a marriage between two people of the same sex when their marriage was lawfully licensed and performed out-of-state. Among other things, this decision means that new conveying language is now required in conveying documents in Ohio because the same sex partner has dower rights (see § 3.05; § 9.05(6); § 9.08(2), § 9.12; § 11.05; and Form 10.6).

Muruschak v. Schaffer, 2015-Ohio-5340 (11th Dist, 2015): a buyer cannot claim mutual mistake of fact where the purchase contract contains an "as-is" clause; Ohio disclosure forms require only disclosure of defects of which the seller has actual knowledge

In Re Messer, 2016-Ohio-510 (Supreme Court, 2016): The Ohio Supreme Court stated that O.R.C. 1301.401 acts to provide constructive notice to the world of the existence and contents of a recorded mortgage even if that mortgage was defectively executed under O.R.C. 5301.01.

Schwartz v. Bd of Revision, 143 Ohio St.3d. 496, 2015-Ohio-3431 (Ohio Supr. Ct., 2015), the Ohio Supreme Court indicated that a sale by HUD is deemed a "forced" sale for purposes of ORC 5713.04, which states that the purchase price paid at an auction or forced sale is presumptively not evidence of a property's value, absent proof that the transaction occurred at arm's length between typically motivated parties.

New Sections:
§ 3.04[2]Helping Lending Practices In Rural Communities Act of 2015 as an exception to federal lending requirements
§ 3.05 More detail about Dodd Frank regulations and credit scores
§ 3.06 Expanded discussion of the secondary mortgage market
§ 7.07[4] Highlights of the new foreclosure legislation
§ 7.17 New section analyzing Ohio Consumer Sales Practices Act
§ 9.05[4] Completely revised discussion of deeds given by Executors, Administrators and Guardians
§ 10.07[3] Buyer's obligation to withhold part of price when seller is a foreign person

New Forms:
2.8 Notice by Buyer or Seller of Termination of Contract to Purchase
2.9 Buyer and Seller Agreement to Release Each Other from Contract to Purchase
3.17 HUDNA Addendum to Uniform Residential Loan Application
9.20 Probate Form 11.0 Consent to Power to Sell Real Estate
10.37 OLTA-Details of Title Insurance Paid

Table of Contents

Chapter 1 Brokers

§ 1.01 Overview of brokers

§ 1.02 Checklist for drafting or negotiating purposes

§ 1.03 Compensation for brokers

[1] Compensation for seller's broker

[2] Compensation for buyer's broker

[3] Exclusive listings

[4] Withdrawal from market

§ 1.04 The deal falls through

[1] Because of seller's breach

[2] Because of buyer's breach

§ 1.05 Other limits on rights to commission

§ 1.06 Conflicts of interest: the Ohio statute

[1] Conflicts of interest: In General

[2] Broker's role in negotiations

[3] Broker as double agent

[4] Broker liability for defects in premises

[5] Broker Liability for Actions of Salesperson

Forms

Form 1.1 Real Estate Listing Contract (Exclusive Right to Sell)

Form 1.2 Agency Disclosure Statement

Form 1.3 Consumer Guide to Agency Relationships (Exclusive Buyer Agency Only)

Form 1.4 Consumer Guide to Agency Relationships (Split Agency & Dual Agency)

Form 1.5 Consumer Guide to Agency Relationships (Dual Agency in All In-House Transactions)

Form 1.6 Consumer Guide to Agency Relationships (Exclusive Seller Agency)

Form 1.7 Consumer Guide to Agency Relationships (Split Agency but No Dual Agency)
Form 1.8 Explanation of Dual Agency from Ohio Department of Commerce (Form)

Form 1.9 Equal Housing Disclosure Form

Form 1.10 Fair Housing Statement Form

Form 1.11 Waiver of Duties Statement



Chapter 2 Contract of Sale

§ 2.01 Overview of contract of sale

§ 2.02 Checklist for contract of sale

§ 2.03 Conflicts of interest

§ 2.04 Formalities

[1] Formalities: In General

[2] Vagueness; descriptions

[3] Mutual mistake of fact

§ 2.05 "Earnest money"

§ 2.06 Equitable conversion; risk of loss

[1] Equitable conversion: In General

[2] Mitigating factors; contract provisions; insurance

§ 2.07 Quality of title

[1] Quality of title: In General

[2] "Marketable" title implied

[3] Express contract provisions

§ 2.08 Conditions

[1] Conditions: In General

[2] Financing

[3] Attorney Approval

[4] Use

[5] Selection of Title Company and Settlement Agent

§ 2.09 Merger of contract into deed

§ 2.10 Condition of premises; disclosures and warranties

[1] Disclosures and warranties: In General

[2] Federal Law—Lead Paint

[3] Ohio Law—Property Disclosure Form

[4] Caveat Emptor

[5] Express Warranties

§ 2.11 Fixtures; included personal property

§ 2.12 Time of Possession

§ 2.13 Time of performance

§ 2.14 Remedies; specific performance

[1] Remedies: In General

[2] Damages

[3] Liquidated damages; return of earnest money

[4] Recission

§ 2.15 Land installment contracts

§ 2.16 Electronic Transmission of Contracts

§ 2.17 Auctions

[1] Auctions: In General

[2] Where the traps are

§ 2.18 Short Sale

§ 2.19 Lease with Option to Purchase

Forms

Form 2.1 Contract to Purchase (Pre-Printed)

Form 2.2 Contract to Purchase (Long Form)

Form 2.3 Residential Property Disclosure Form

Form 2.4 Protect Your Family From Lead in Your Home Pamphlet

Form 2.5 Disclosure Form for Lead Based Paint

Form 2.6 Renovate Right—Contractor Form By EPA

Form 2.7 Affidavit of Short Sale For Loan Owned by the Federal Home Loan Mortgage Corporation ("Freddie Mac")

Form 2.8 Notice by Buyer or Seller of Termination of Contract to Purchase

Form 2.9 Buyer and Seller Agreeing to Release Each Other From Contract to Purchase



Chapter 3 Financing

§ 3.01 Overview of financing

§ 3.02 Checklist for financing

§ 3.03 Financing basics

[1] Financing basics: In general

[2] Mortgage variations

[3] "Points"

[4] Adjustable interest rates

[5] Reverse Mortgage

[6] Cognovit Provisions

§ 3.04 Original financing

[1] Original financing: In general

[2] Overriding Federal Requirements—Dodd Frank

§ 3.05 Documentation

§ 3.06 The secondary market

[1] Fannie Mae, Freddie Mac and Ginnie Mae

[2] FHA

[3] VA and USDA

[4] Terms and Default

§ 3.07 Assuming or taking subject to

[1] Assuming or taking subject to: In general

[2] Due-on-sale clauses

§ 3.08 Prepayment penalties

§ 3.09 Escrows for taxes and insurance

[1] Escrows: In general

[2] Private Mortgage Insurance

[3] Flood Insurance

[4] Lender as insured

[5] Force-Placed Insurance

§ 3.10 Rescission in Refinancing Loans

§ 3.11 Land installment contracts

[1] Land installment contracts: In general

[2] The Ohio statute

§ 3.12 Usury

§ 3.13 Predatory Loans

§ 3.14 Federal Financing Assistance

§ 3.15 Ohio Financing Assistance

§ 3.16 Home Equity Loans

§ 3.17 Lease with Option to Purchase

Forms

Form 3.1 Land Installment Contract (Printed Form)

Form 3.2 Land Installment Contract (Long Form)

Form 3.3 Note—Fixed Rate of Interest

Form 3.4 Note—Adjustable Variable Rate of Interest

Form 3.5 Closed End Mortgage

Form 3.6 Adjustable Rate Loan Rider to Mortgage

Form 3.7 Condominium Rider to Mortgage

Form 3.8 Second Note

Form 3.9 Second Mortgage

Form 3.10 Second Note—Balloon

Form 3.11 Subordination of Mortgage

Form 3.12 Notice of Right to Cancel (Rescission)

Form 3.13 Reverse Mortgage Title Insurance Policy Endorsement 14.3

Form 3.14 Home Valuation Code of Conduct

Form 3.15 Notice To Consumer-Mortgage Loan Less Than $75,000

Form 3.16 Cancellation of Land Contract

Form 3.17 HUD/VA Addendum to Uniform Residential Loan Application



Chapter 4 Titles

§ 4.01 Overview of titles

§ 4.02 Checklist for titles

§ 4.03 Common Law

§ 4.04 Ohio recording statutes—Deeds

[1] Statutes: In general

[2] Inquiry Notice

[3] The "shelter principle"

§ 4.05 Ohio Recording Statutes—Mortgages

[1] Mortgages: In general

[2] Equitable Subrogation
§ 4.06 Indexing of deeds and mortgages

§ 4.07 Other records—Plats and Liens

§ 4.08 Bar title standards

§ 4.09 Curing title defects

§ 4.10 "Chain of title"

[1] Chain of title: In general

[2] "After-recorded" deed

[3] "Estoppel by deed" (After Acquired Title)

[4] "Wild deed"

§ 4.11 Adverse possession

[1] Adverse possession: In general

[2] When buyer must accept

[3] Prescription

§ 4.12 Land use restrictions

§ 4.13 Easements

[1] Easements: In general

[2] Recorded and Unrecorded Easements

[3] Scope of Rights

[4] Easement Appurtenant/Easement In Gross

[5] Prescriptive Easements

[6] Easements Created by Condemnation

§ 4.14 UCC fixtures

§ 4.15 Assessments and other liens

§ 4.16 Water Rights

§ 4.17 Gas and oil liens

§ 4.18 Fence Lines

§ 4.19 Low Cost Alternative Energy Revolving Loan Program Lien

§ 4.20 Manufactured Home/Mobile Home/Trailer

Forms

Form 4.1 Affidavit as to Liens and Encumbrances (For Title Company)

Form 4.2 Affidavit On Lien (Different Person)

Form 4.3 Statute of Limitations

Form 4.4 UCC Financing Statement, with instructions



Chapter 5 Marketable Title Act

§ 5.01 Overview of marketable title act

§ 5.02 Checklist for marketable title act

§ 5.03 Operation of the act

§ 5.04 Preserving pre-root interests

§ 5.05 Exceptions

§ 5.06 Possession, adverse and otherwise

§ 5.07 "Wild deeds"

§ 5.08 "Void deeds"



Chapter 6 Land Registration and Actions to Quiet Title

§ 6.01 Overview of land registration and actions to quiet title

§ 6.02 Land registration

[1] Land registration: In general

[2] Pleading and parties

[3] Title examination

[4] Exceptions

[5] Transferring registered land

[6] The recorder's role

[7] Comments

§ 6.03 Actions to quiet title

Forms

Form 6.1 Affidavit for New Duplicate—Lost or Destroyed Duplicate Certificate of Title—ORC § 5309.31

Form 6.2 Registered Land—Affidavit As To Change Of Name

Form 6.3 Cover Page to Registered Land Certificate



Chapter 7 Litigation

§ 7.01 Overview of litigation

§ 7.02 Checklist for litigation

§ 7.03 Lis pendens

§ 7.04 Judicial proceedings

§ 7.05 Personal jurisdiction

§ 7.06 Probate

§ 7.07 Foreclosure and related procedures

[1] Overriding Federal Requirements—Dodd Frank

[2] Overriding Ohio Requirements—The Schwartzwald Case

[3] Overriding General Requirements—Proper Execution of Loan Documents

[4] Judicial Foreclosure by Sheriff

[a] Judicial Foreclosure: In general

[b] Procedural changes

[c] Special problems

[d] Distribution of Sale Proceeds

[5] Judicial foreclosure by auctioneer

[6] Judicial foreclosure by receiver

[7] Judicial foreclosure by commissioner

[8] Non-Judicial foreclosures

[a] HUD

[b] IRS

[c] County treasurer foreclosure of delinquent real estate taxes

[9] Deed in lieu of foreclosure

§ 7.08 Domestic relations

§ 7.09 Bankruptcy

§ 7.10 Reformation and Recission

§ 7.11 Military

§ 7.12 Special Rights of Redemption

§ 7.13 Fraudulent Conveyances

§ 7.14 Constructive Trust

§ 7.15 Partition

§ 7.16 Slander of Title

Forms

Form 7.1 Military Status Report—Department of Defense

Form 7.2 Preliminary Judicial Report of Title Insurance Company

Form 7.3 Final Judicial Report

Form 7.4 Deed-in-Lieu of Foreclosure Language Precluding Merger of Deed and Mortgage



Chapter 8 Title Insurance, Survey and Appraisal

§ 8.01 Overview of insurance, survey and appraisal

§ 8.02 Checklist for insurance, survey and appraisal

§ 8.03 Is any title coverage necessary?

§ 8.04 Attorney opinion versus title insurance

§ 8.05 The title company

[1] The title company: In general

[3] Basic exceptions

[4] Cost of insurance

[5] Issuance of final policy and losses

§ 8.06 Survey

[1] 1785 Ordinance

[2] Modern Day

§ 8.07 Ohio Predatory Lending Law

§ 8.08 Liability of Title Company

§ 8.09 Appraisal

Forms

Form 8.1 Title Commitment

Form 8.1A Plain Language Title Commitment

Form 8.2 Title Insurance Policy (Lender's Policy)

Form 8.3 Title Insurance Policy (Owner's Policy)

Form 8.4 Opinion Letter/Title Examination Certificate of Attorney

Form 8.5 Formal Opinion 37 (Committee on Legal Ethics and Professional Conduct Ohio State Bar Association) Lawyers Writing Title Insurance

Form 8.6 Opinion 37 (Lawyers Title Disclosure Letter)

Form 8.7 Title Standards

Form 8.8 Short Form Residential Loan Policy

Form 8.9 Notice of Availability and Offer of Closing Protection Coverage

Form 8.10 Notice of Availability of Owner's Title Insurance

Form 8.11 Closing Protection Letter

Form 8.12 Seller and Buyer Closing Instruction Letter (Cincinnati Bar Association)

Form 8.13 Closing Disclosure

Form 8.14 Title Insurance Endorsement Rates

Form 8.15 Typical Title Endorsement Forms

Form 8.16 Closing Notice as to Availability of Re-Issue Premium Credits

Form 8.17 Owner's Policy for One-To-Four Family Residence



Chapter 9 Deeds

§ 9.01 Overview of deeds

§ 9.02 Checklist for deeds

§ 9.03 Descriptions

[1] Descriptions: In General

[2] Types of descriptions

[3] Description ambiguities

§ 9.04 Title warranties

§ 9.05 Special grantors

[1] Special grantors: In general

[2] Sheriff

[3] Corporation, limited liability company and partnership

[4] Executors, Administrators and Guardians

[5] Trusts

[6] Other

§ 9.06 Delivery; Acceptance; Recording

[1] Delivery; Acceptance; Recording: In general

[2] Escrows

§ 9.07 Formalities

[1] Formalities: In general

[2] Notary

[3] Witnesses

[4] Prior deed reference

[5] Signing outside Ohio

[a] In USA and Canada

[b] Outside USA and Canada—Foreign Countries

[6] Standards of ORC § 317.144

[7] Preparer and fees

§ 9.08 Interest conveyed

[1] Interest conveyed: In general

[2] Co-tenants

[3] Dower

§ 9.09 "Void" or "Voidable"

§ 9.10 Transfer on death deed/Affidavit

[1] Transfer on death deed: In general

[2] Transfer on death deed

[3] Transfer on death designation affidavit

§ 9.11 Legacy Trusts

§ 9.12 Domestic Relations

Forms

Form 9.1 General Warranty Deed (Short Form)

Form 9.2 General Warranty Deed (Long Form)

Form 9.3 General Warranty Deed (Survivorship Form)

Form 9.4 General Warranty Deed (Corporation)

Form 9.5 Limited Warranty Deed

Form 9.6 Quit Claim Deed

Form 9.7 Statutory Fiduciary Deed

Form 9.8 Deed of Executor or Administrator With Will Attached ("W.W.A.") Under Authority of Will

Form 9.9 Deed of Fiduciary Upon Private Sale Under Authority of Probate Court

Form 9.10 Deed—Transfer On Death

Form 9.11 General Warranty Deed by a Limited Liability Company

Form 9.12 Estates—Application For Certificate of Transfer and Entry

Form 9.13 Estates—Certificate of Transfer

Form 9.14 Notice and Certification To Medicaid Estate Recovery of Pending Transfer of Property By Transfer On Death

Affidavit

Form 9.15 Transfer on Death Designation Affidavit (Simple Form)

Form 9.16 Transfer On Death Designation Affidavit (Complex Form)

Form 9.17 Examples of Several Unique County Recording Requirements

Form 9.18 Judgment Entry Converting Interest in Real Estate

Form 9.19 Memorandum of Trust

Form 9.20 Probate Form 11.0 Consent to Power to Sell Real Estate



Chapter 10 Closings

§ 10.01 Overview of closings

§ 10.02 Checklist for closings


§ 10.03 Truth In Lending (Regulation Z)
[1] Truth in Lending: In general

[2] Rescission

[3] Home Ownership Equity Protection Act

§ 10.04 Real Estate Settlement Procedures Act (RESPA)

[1] RESPA: In general

[2] CFPB Booklet

[3] Good Faith Estimate

[4] Settlement Statement

[5] Servicing Disclosure

[6] Kickbacks

[7] Escrow

[8] Selection of Title Company

[9] Selection of Settlement Agent

§ 10.05 New Rules and Forms from CFPB

[1] General

[2] New Forms and Requirements

[3] Penalties and Litigation

§ 10.06 Escrow closings

[1] Escrow closings: In general

[2] Timing of delivery

[3] Agent misconduct

[4] Conflict of interest

§ 10.07 Internal Revenue Service requirements

[1] IRS requirements: In general

[2] Reporting

[3] Withholding

§ 10.08 Other Laws

§ 10.09 Power of attorney

§ 10.10 Rental Property

§ 10.11 Prior Loan Pay-Off and Mortgage Release

[1] Prior Loan Pay-Off

[3] Mortgage Release

§ 10.12 Transfer and recording fees

§ 10.13 Private Transfer Fees

§ 10.14 Lender's Charges

§ 10.15 ERecording

Forms

Form 10.1 Closing Checklist

Form 10.2 Federal Truth in Lending Disclosure Statement

Form 10.3 HUD Good Faith Estimate

Form 10.4 January 1, 2010 HUD Closing RESPA Form, with Instructions for Completing

Form 10.5 Completed Form HUD-1 Closing Statement

Form 10.6 Statement of Reason for Exemption From Real Property Conveyance Fee

Form 10.7 Real Property Conveyance Fee Statement of Value and Receipt

Form 10.8 Pay-Off Quote

Form 10.9 Corporate Resolution

Form 10.10 Power of Attorney

Form 10.11 Satisfaction or Release of Mortgage

Form 10.12 FIRPTA Affidavit

Form 10.13 Disclosures on Escrow Account

Form 10.14 City of Cleveland Certificate

Form 10.15 Privacy Policy Notice

Form 10.16 Certification For No Information Reporting on the Sale or Exchange of a Principal Residence

Form 10.17 Proceeds from Real Estate Transactions

Form 10.18 Ohio County Information—Recording Fees

Form 10.19 Statutory Form of Power of Attorney

Form 10.20 Dayton Housing Transfer Form and Instructions

Form 10.21 Residential Rental Property Registration

Form 10.22 Insurance Policy

Form 10.23 HOEPA Disclosure Form

Form 10.24 Hold Back And Escrow Agreement

Form 10.25 Affidavit For Recording Deed Without Payment of Transfer Fee

Form 10.26 Request To Close Account And Release Lien of Record

Form 10.27 Form W-9: Request For Taxpayer Identification Number and Certification

Form 10.28 Appraisal Notification and Acknowledgment

Form 10.29 Servicing Disclosure Statement

Form 10.30 Notice Concerning Private Mortgage Insurance

Form 10.31 Agent's Certification—Power of Attorney Still Effective

Form 10.32 Good Standing—Full Force Certificate Request

Form 10.33 Loan Estimate

Form 10.34 Closing Disclosure

Form 10.35 Notice of Failure to Release Mortgage

Form 10.36 ALTA Form Settlement Statement Buyer & Seller Combined

Form 10.37 OLTA Form-1: Details of Title Insurance Paid



Chapter 11 Housing Discrimination

§ 11.01 Overview of housing discrimination

§ 11.02 Coverage

[1] Coverage: In general

[2] Protected classes

[3] Property covered

[4] Types of discrimination

§ 11.03 Discrimination in financing

[1] Discrimination in financing: In general

[2] Underwriting practices

§ 11.04 Burial lots

§ 11.05 Same Sex Discrimination—The Obergefell Case



Chapter 12 Condominiums; Planned Community Owner's Associations

§ 12.01 Overview of condominiums; planned community owners' associations

§ 12.02 The condominium concept

[1] The condominium concept: In general

[2] The Ohio statute

§ 12.03 Condition of the premises

[1] Condition of the premises: In general

[2] Sales by developers

[3] Sales by non-developers

§ 12.04 Other problems for purchaser

[1] Other problems for purchaser: In general

[2] Sweetheart contracts

[3] Restrictions

[4] Pre-sold units

[5] Parking and storage space

§ 12.05 Insurance

§ 12.06 Conversion of rental property

§ 12.07 Cost of ownership

§ 12.08 Liens

§ 12.09 Problems with condominium ownership

§ 12.10 Cooperatives

§ 12.11 Planned Community

§ 12.12 Air rights

§ 12.13 Landominiums

Forms

Form 12.1 Condominium Checklist



Chapter 13 Taxes

§ 13.01 Overview of taxes

§ 13.02 Deductions

[1] Deductions: In general

[2] Interest

[3] Property taxes

[4] Moving expenses

[5] Mortgage insurance

[6] Energy

§ 13.03 Gain or loss on sale

[1] Capital Gain Tax

[2] 3.8% Medicare Contribution Tax

[3] Foreclosure/Deed in Lieu of Foreclosure

§ 13.04 Installment sales

§ 13.05 "Vacation" homes

§ 13.06 State and local property taxes

[1] State and local property taxes: In general

[2] Proration

[3] CAUV—Current Agricultural Use Valuation

[4] Contesting Fair Market Value

[5] Assessments

[6] Escrows

[7] Delinquent real estate taxes

[8] Homestead Exemption

[9] 2.5% Rollback and 10% Rollback

§ 13.07 Housing and Economic Recovery Act of 2008

[1] Housing and Economic Recovery Act of 2008: In general

[2] Tax Deduction

[3] Foreclosure Relief

[4] Mortgage Revenue Bonds

[5] Government Sponsored Enterprises

Forms

Form 13.1 Application for Homestead Exemption

Form 13.2 Application for 2-1/2% Tax Reduction

Form 13.3 Complaint For Failure to Receive Homestead Exemption or 2-1/2% Reduction

Form 13.4 Application for CAUV

Form 13.5 Complaint Against the Valuation of Real Property—Cuyahoga County, with attached instructions

Form 13.6 Complaint Against the Valuation of Real Property&8212;Hamilton County, with attached instructions

Form 13.7 Statement of Conveyance of CAUV Property

Form 13.8 Example of Real Estate Tax Bill



Chapter 14 Construction Contracts/Mechanics' Liens

§ 14.01 Overview of construction contracts/mechanics' liens

§ 14.02 Checklist of construction contracts/mechanics' liens

§ 14.03 Location of home

§ 14.04 Building plans and specifications

§ 14.05 Availability of utilities

§ 14.06 Variance

§ 14.07 Payment of the builder

[1] Payment of the builder: In general

[2] Mechanics' liens—explanation of problem

[3] Early solution to problem

[4] New concept

[5] Home construction work

[6] Lending institutions

[7] Owner's liability

[8] Protection afforded

[9] Amount in dispute—lien procedures

[10] Residential "spec homes"

[11] Unanswered issue

[12] Constitutionality

[13] Remedies

[14] 2007 Amendments

§ 14.08 Closing

§ 14.09 Owner's claims against contractor

[1] Negligence or Contract Claims

[2] Time Bar to Claims

[3] Contracts between builder and owner

[a] Home Construction

[b] Home Remodeling

[c] Possible Claims

[d] Choice of Laws

§ 14.10 Owner's claims against governmental agency

§ 14.11 Failure to Build

§ 14.12 Damages

§ 14.13 Disputes between general contractor and subcontractors

Forms

Form 14.1 Construction Checklist

Form 14.2 Builder's Affidavit for Final Draw

Form 14.3 Notice of Commencement

Form 14.4 Notice of Furnishing

Form 14.5 Affidavit of Full Payment Pursuant to ORC § 1311.011

Form 14.6 Affidavit For Mechanic's Lien (Ohio Revised Code Section 1311.06)

Form 14.7 Release and Certificate of Satisfaction of Mechanics' Lien

Form 14.8 Residential Construction Contract Notice Required by Ohio Law in Contract Between Owner and Contractor

Form 14.9 Affidavit of Owner When Third Party Is Construction Contractor

Form 14.10 Affidavit of Owner When Owner Is Construction Contractor

Form 14.11 Notice To Commence Suit on Mechanic's Lien



INDEX