In today's digital age, the real estate industry is not immune to various types of fraud, including seller impersonation and deed fraud. These fraudulent activities can have devastating consequences for homeowners, stripping them of their most valuable asset. This page aims to educate you on what seller impersonation and deed fraud are, and more importantly, how you can protect yourself.

What is Seller Impersonation and Deed Fraud?

Seller impersonation, commonly known as deed fraud, involves the illegal transfer of property ownership. In this type of fraud, criminals forge the homeowner's signature on property deeds or other legal documents, effectively stealing the property. The forged documents are then filed with the county, often unbeknownst to the actual homeowner until it's too late.

How to Protect Yourself

1. Property Fraud Alert Services - One of the most effective ways to protect yourself is by subscribing to property fraud alert services. These services are often provided free by the county where your property is located. They send you alerts whenever a deed or other document related to your property is filed. This early warning system allows you to take immediate action if you suspect fraudulent activity.  Property Fraud Alert is one such service, available in 23 counties in Missouri, including the City of St. Louis, St. Louis County, St Charles County, Jefferson, and Franklin.
2. Regularly Check Property Records - Make it a habit to regularly check your property records with your county's recorder of deeds. Any changes in ownership or new liens should be immediately investigated.  
3. Obtain a Title Report - If you have specific concerns or just want to be extra cautious, you can order a title report from a local title insurance company such as M&I Title in St. Louis, MO This report will confirm the name under which the property is registered and identify any existing deeds of trust against it. While there is usually a fee for this service, the peace of mind it offers can be invaluable.
4. Consult with Real Estate Professionals - Real estate agents can provide additional layers of protection. For example, at MORE, REALTORS, our agents can pull a REALIST report from the MLS at no charge, offering you basic but crucial information about your property.
5. Legal Advice - If you suspect that you've been a victim of deed fraud, consult with a real estate attorney immediately. They can guide you through the legal steps you need to take to reclaim your property and possibly press charges against the fraudsters.

Seller impersonation and deed fraud are serious issues that can have long-lasting impacts on homeowners. However, by taking proactive steps and utilizing available resources, you can significantly reduce the risk of falling victim to these types of fraud. Always stay vigilant and take immediate action if you suspect any fraudulent activities related to your property.