Does this mean......

[BassBoy]

.......I'm no longer on the title to the home?

On 06/13/2006, an ASSIGNMENT OF REAL ESTATE MORTGAGE document was filed with the county recorder's office by MERS (Mortgage Electronic Registration Systems). It say's (something like) FOR VALUE RECEIVED, undersigned grants, assigns and transfers to Lender's Name all the rights, title and interest of the property.

Does this mean the mortgage has officially been foreclosed and the title is no longer in my name?

[BassBoy]

Yes. That was fast. To be honest, I'm glad it went so quickly. I no longer wanted to be responsible for the property because I had already moved out.

I never looked into whether or not Ohio was or is judicial or non-judicial. I could care less.......as long as the house didn't sit empty for up to 2 years.

Now I believe I'm entitled to a refund of my property taxes and homeowner's insurance. I've gotta found out if this is true or not.

[bankruptcymill]

That looks to be an assignment of the mortgage and note and not a foreclosure action ending in sale. That is your mortgage was sold as is quite often done. It is not a deed or sheriffs deed. Therfore, you still own it and may be responsible for its upkeep for instance suppose the grass gets to long or windows busted out the township will fix it and bill you. If they don't sue you prior to actual foreclosure you will still be liable for those bills since they wouldn't have been removed by judicial sale because they were never reduced to a recorded lien (judgment) on the property. Best bet is to stay in the property as long as you can.