Title Insurance

How to Do a Title Search in Meridian, Idaho

By TitleThrive Editorial

Updated March 16, 2026

6 min read

Quick Answer

A title search in Meridian examines Ada County Recorder records to verify property ownership and identify liens, encumbrances, or defects. Nine title companies operate in Ada County with rates of $3.00 to $3.50 per $1,000 (Idaho DOI filed rates). The search cost is included in the escrow fee. Standalone searches run $150 to $400.

Property title search and examination in Meridian, Idaho

Title Searches in Meridian

Meridian property records are maintained by the Ada County Recorder — the same office handling Boise and Eagle records. Title companies search deeds, mortgages, liens, tax records, court judgments, and easements to verify ownership.

What’s Examined

Complete chain of deeds (ownership history), all outstanding mortgages and deeds of trust, property tax records (Ada County Treasurer), court judgments and lis pendens, easements, HOA covenants, and mechanic’s liens. Recording fees per Idaho Code § 31-3205: $15 deeds, $45 mortgages.

Cost and Timeline

Standard search: 3 to 5 business days. Cost is included in the escrow fee — Ada County rates are $3.00 to $3.50 per $1,000 per Idaho DOI 2025 Filed Rates. Nine companies serve Meridian. Standalone: $150 to $400.

Ada County’s Competitive Market

Nine companies maintain Ada County title plants — indexed databases of every recorded document. Seven charge $3.00/thousand, two charge $3.50. This competition means faster service and better customer experience. Choose based on turnaround time and communication, since rate shopping is straightforward.

Resolving Title Issues

Common findings: outstanding mortgages, unpaid taxes, judgment liens, unreleased prior mortgages, easement issues. The preliminary title report lists each with resolution requirements. Most issues can be cleared at or before closing.

Fact-checked by TitleThrive Editorial

Sources & Citations
  1. Idaho Department of Insurance — 2025 Filed Short Term Escrow Rates, Ada County
  2. Idaho Code § 31-3205 — County Recording Fees

Rates and fees referenced in this article are based on data filed with the applicable state department of insurance. Filed rates are subject to change. This content is for educational purposes and does not constitute a title insurance quote, legal advice, or financial advice. Contact a licensed title company for current rates specific to your transaction. Learn about our editorial standards.

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Frequently Asked Questions

Where are Meridian property records?

Ada County Recorder — the same office for Boise and Eagle. Recording fees: $15 deeds, $45 mortgages per Idaho Code § 31-3205.

How much is a title search in Meridian?

Included in the escrow fee ($3.00 to $3.50 per $1,000 in Ada County per Idaho DOI filed rates). Standalone: $150 to $400.

Is a Meridian title search the same as Boise?

Yes — both cities are in Ada County. The same recorder's office, same title companies, same rates. A title search examines the identical pool of county records.

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