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.

Need a Title Agency Website?

We build websites for title & escrow companies.

Your title company's clients are searching for these answers.

We help title agencies build websites that educate and convert.

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.

Related Articles

  • Home for sale with seller closing costs in Idaho Falls, Idaho

    Closing Costs

    Seller Closing Costs in Idaho Falls: What You’ll Pay

    Sellers in Idaho Falls typically pay 6% to 8% of the sale price in total closing costs. Commissions (5% to 6%) dominate. The owner's title insurance runs $3.00 per $1,000 — uniform across all Bonneville County companies per Idaho DOI filed rates. The mortgage release recording fee is $15 (Idaho Code § 31-3205). Idaho has no transfer tax.

    6 min read

  • Real estate closing day in Nampa, Idaho

    Closing Costs

    What Happens at a Real Estate Closing in Nampa, Idaho?

    A real estate closing in Nampa is the final step where property ownership transfers from seller to buyer. Both parties meet at a title company to sign documents, the lender funds the loan, the escrow officer disburses funds, and the deed is recorded with the Canyon County Recorder for $15 (Idaho Code § 31-3205). The signing takes 45 to 90 minutes.

    7 min read

  • Property protected by title insurance in Eagle, Idaho

    Title Insurance

    How Much Does Title Insurance Cost in Eagle, Idaho?

    Title insurance in Eagle, Idaho costs $3.00 to $3.50 per $1,000. Eagle shares Ada County's rate structure, where seven companies file at $3.00/thousand and two (two national underwriters) at $3.50/thousand per Idaho DOI 2025 Filed Rates. For a $525,000 home, the owner's policy is approximately $1,575 to $1,838 plus a $150 base fee. The seller customarily pays.

    6 min read