Name: 🏡PropertyTitle API
Brand: nicheapi-llc-1
SKU: api-nicheapi-llc-1-propertytitle
Availability: InStock
Author: API Market

True Scary Stories

# PropertyTitle API

## Overview
The PropertyTitle API delivers structured real estate title risk intelligence by fusing 7 independent encumbrance categories into a single composite encumbrance score (0–100). It covers liens, easements, chain-of-title defects, court judgments, HOA delinquencies, tax liens, and deed restrictions — each scored independently, weighted by severity, and synthesized into a single risk classification with a recommended action. The API ships with 60 sample properties spanning 17 county formats across 13 states, making it well-suited for prototyping title risk workflows before connecting to live county data feeds. It is designed for title agencies, underwriters, real estate investors, lenders, and PropTech platforms that require structured encumbrance data in a single, consistent JSON response.

## Features

*   **7-Factor Composite Encumbrance Score**: Scores properties 0–100 by synthesizing 7 independently weighted encumbrance categories — liens, easements, chain of title, court judgments, HOA delinquencies, tax liens, and deed restrictions.
*   **Risk Band Classification**: Every score maps to one of five risk bands — Clean Title (0–15), Low Risk (16–35), Moderate Risk (36–55), High Risk (56–75), and Unmarketable Title (76–100) — each with a recommended action and insurance guidance.
*   **Lien Detection**: Covers mechanic's, tax, judgment, HOA, mortgage, IRS, child support, condo assessment, and environmental liens.
*   **Easement Coverage**: Identifies utility, access, conservation, view, solar, drainage, parking, billboard, aviation, and historic preservation easements.
*   **Chain-of-Title Analysis**: Flags defective deeds, gaps, missing signatures, forgeries, heirship issues, probate gaps, and wild deeds.
*   **Court Judgment Tracking**: Detects foreclosures, quiet title actions, boundary disputes, and adverse possession claims.
*   **Tax Lien Status**: Surfaces delinquent property taxes, certified tax liens, special assessments, and tax sale risk.
*   **Deed Restrictions**: Identifies use restrictions, building limits, rental restrictions, age restrictions, and historic preservation covenants.
*   **Custom Factor Weights**: Override the default weighting model per request to tailor the composite score to specific use cases such as lender risk, investor acquisition, or HOA-heavy portfolios.
*   **Batch Processing**: Analyze up to 50 properties in a single request, with optional per-property custom weights.
*   **Portfolio Comparison**: Compare encumbrance risk across 2–10 properties in a single call.
*   **Sample Property Dataset**: 60 properties with realistic title defect scenarios across 17 county formats and 13 states, available for prototyping via the test and properties endpoints.

## Use Cases

The PropertyTitle API is suited for a range of title, lending, and real estate technology workflows:

*   **Title Insurance Underwriting**: Automate preliminary risk assessment and flag properties requiring additional ALTA endorsements or extended coverage before issuing a binder — reducing manual search time significantly.
*   **Acquisition Due Diligence**: Screen any property for hidden encumbrances, pending litigation, and tax sale risk before submitting an offer, using the composite score as a first-pass filter.
*   **Portfolio Risk Monitoring**: Use the compare endpoint to rank holdings by encumbrance score and prioritize curative work across a portfolio based on structured risk data rather than manual review.
*   **Lender Pre-Funding Checks**: Verify lien priority, tax status, and chain-of-title integrity before funding, with the ability to weight lien and chain-of-title factors more heavily for collateral-focused workflows.
*   **PropTech Platforms**: Embed composite encumbrance scores in property listing or due diligence tools, giving buyers and investors a structured "title health" indicator at the point of discovery.
*   **Legal Teams**: Identify curative requirements and title defect severity before drafting purchase agreements or initiating quiet title actions.


## API Documentation

### Base URL
All API requests for the PropertyTitle API should be made to the following base URL:
`https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle`

### Authentication
Authentication is handled via an API key obtained from RapidAPI. Include your key in the `x-api-market-key` header of every request:

```
x-api-market-key: YOUR_API_KEY
```

Replace `YOUR_API_KEY` with your actual API key from RapidAPI.


### Endpoints

#### 1. Analyze a Property

Perform a full 7-factor title risk analysis for a single property. Returns the composite encumbrance score, risk band, per-factor breakdowns, recommendations, and a plain-language summary.

**Method**: `POST`
**Endpoint**: `/v1/propertytitle/analyze`

**Request Body**:

| Name | In | Description | Type | Required |
| :--- | :--- | :--- | :--- | :--- |
| `property_id` | body | Unique identifier for the property to analyze | `string` | Yes |
| `factor_weights` | body | Optional object to override default category weights (see Custom Factor Weights) | `object` | No |

**Example Request**:

```bash
curl -X POST "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/analyze" \
  -H "x-api-market-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"property_id": "PROP-001"}'
```

**Example Response (200 OK)**:

```json
{
  "property_id": "PROP-001",
  "property_address": "1245 N Laurel Ave, Los Angeles, CA 90046",
  "estimated_value": 2450000,
  "composite_encumbrance_score": 32.45,
  "risk_band": {
    "label": "Low Risk",
    "action": "Proceed with Caution",
    "color": "lightgreen",
    "description": "Minor encumbrances present. No material impediment to marketable title.",
    "recommended_insurance": "Standard Owner's Policy + Limited Exception Endorsement",
    "premium_factor": 1.0
  },
  "factor_breakdown": {
    "liens": {
      "score": 41.2,
      "lien_count": 2,
      "total_lien_amount": 1297500.0,
      "details": []
    },
    "easements": {
      "score": 18.5,
      "easement_count": 2,
      "details": []
    }
  },
  "recommendations": [],
  "summary": "Property at 1245 N Laurel Ave, Los Angeles, CA 90046 has a composite encumbrance score of 32.45/100 — classified as Low Risk. Total active encumbrances found: 2 (including 1 lien, 0 title defects...)"
}
```

#### 2. Batch Analyze Properties

Analyze up to 50 properties in a single request. Each property in the batch can optionally include its own `factor_weights` override.

**Method**: `POST`
**Endpoint**: `/v1/propertytitle/analyze/batch`

**Request Body**:

| Name | In | Description | Type | Required |
| :--- | :--- | :--- | :--- | :--- |
| `analyses` | body | Array of analysis objects, each containing a `property_id` and optional `factor_weights` (max 50) | `array` | Yes |

**Example Request**:

```bash
curl -X POST "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/analyze/batch" \
  -H "x-api-market-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{
    "analyses": [
      {"property_id": "PROP-001"},
      {"property_id": "PROP-003", "factor_weights": {"liens": 0.35, "chain_of_title": 0.20}}
    ]
  }'
```

#### 3. Run Test Scenarios

Run analysis across a specified number of built-in sample properties, covering diverse title defect scenarios including high-risk, tax lien, and foreclosure cases.

**Method**: `POST`
**Endpoint**: `/v1/propertytitle/test`

**Request Body**:

| Name | In | Description | Type | Required | Default | Max Value |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| `count` | body | Number of sample properties to analyze | `integer` | No | `1` | `60` |

**Example Request**:

```bash
curl -X POST "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/test" \
  -H "x-api-market-key: YOUR_API_KEY" \
  -H "Content-Type: application/json" \
  -d '{"count": 5}'
```

#### 4. List Properties

Retrieve a paginated list of sample properties with optional filtering by county, state, property type, and value.

**Method**: `GET`
**Endpoint**: `/v1/propertytitle/properties`

**Parameters**:

| Name | In | Description | Type | Required | Default | Max Value |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| `q` | query | Search query to filter properties by keyword | `string` | No | | |
| `limit` | query | Maximum number of results | `integer` | No | `50` | `1000` |
| `offset` | query | Number of results to skip for pagination | `integer` | No | `0` | |

**Example Request**:

```bash
curl -X GET "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/properties?q=Los+Angeles&limit=5" \
  -H "x-api-market-key: YOUR_API_KEY"
```

#### 5. Get Property by ID

Retrieve a specific property profile with its encumbrance summary.

**Method**: `GET`
**Endpoint**: `/v1/propertytitle/properties/{id}`

**Parameters**:

| Name | In | Description | Type | Required |
| :--- | :--- | :--- | :--- | :--- |
| `id` | path | Unique identifier for the property record | `string` | Yes |

**Example Request**:

```bash
curl -X GET "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/properties/PROP-001" \
  -H "x-api-market-key: YOUR_API_KEY"
```

#### 6. List Liens

Retrieve a paginated list of lien records with optional filtering by property, status, type, and amount.

**Method**: `GET`
**Endpoint**: `/v1/propertytitle/liens`

**Parameters**:

| Name | In | Description | Type | Required | Default | Max Value |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| `q` | query | Search query to filter liens by keyword | `string` | No | | |
| `limit` | query | Maximum number of results | `integer` | No | `50` | `1000` |
| `offset` | query | Number of results to skip for pagination | `integer` | No | `0` | |

**Example Request**:

```bash
curl -X GET "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/liens?q=mechanic&limit=10" \
  -H "x-api-market-key: YOUR_API_KEY"
```

#### 7. List Easements

Retrieve a paginated list of easement records with optional filtering by property, type, burden, and development impact.

**Method**: `GET`
**Endpoint**: `/v1/propertytitle/easements`

**Parameters**:

| Name | In | Description | Type | Required | Default | Max Value |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| `q` | query | Search query to filter easements by keyword | `string` | No | | |
| `limit` | query | Maximum number of results | `integer` | No | `50` | `1000` |
| `offset` | query | Number of results to skip for pagination | `integer` | No | `0` | |

**Example Request**:

```bash
curl -X GET "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/easements?q=utility&limit=10" \
  -H "x-api-market-key: YOUR_API_KEY"
```

#### 8. List Title Issues

Retrieve a paginated list of chain-of-title defect records with optional filtering by property, severity, and resolution status.

**Method**: `GET`
**Endpoint**: `/v1/propertytitle/title-issues`

**Parameters**:

| Name | In | Description | Type | Required | Default | Max Value |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| `q` | query | Search query to filter title issues by keyword | `string` | No | | |
| `limit` | query | Maximum number of results | `integer` | No | `50` | `1000` |
| `offset` | query | Number of results to skip for pagination | `integer` | No | `0` | |

**Example Request**:

```bash
curl -X GET "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/title-issues?q=probate&limit=10" \
  -H "x-api-market-key: YOUR_API_KEY"
```

#### 9. Get Tax Status

Retrieve tax lien status records with optional filtering by property, status, and year.

**Method**: `GET`
**Endpoint**: `/v1/propertytitle/tax-status`

**Parameters**:

| Name | In | Description | Type | Required | Default | Max Value |
| :--- | :--- | :--- | :--- | :--- | :--- | :--- |
| `q` | query | Search query to filter tax status records by keyword | `string` | No | | |
| `limit` | query | Maximum number of results | `integer` | No | `50` | `1000` |
| `offset` | query | Number of results to skip for pagination | `integer` | No | `0` | |

**Example Request**:

```bash
curl -X GET "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/tax-status?q=delinquent&limit=10" \
  -H "x-api-market-key: YOUR_API_KEY"
```

#### 10. Compare Properties

Compare encumbrance risk scores across 2–10 properties in a single call.

**Method**: `GET`
**Endpoint**: `/v1/propertytitle/compare`

**Parameters**:

| Name | In | Description | Type | Required |
| :--- | :--- | :--- | :--- | :--- |
| `ids` | query | Comma-separated list of property IDs to compare (min 2, max 10) | `string` | Yes |

**Example Request**:

```bash
curl -X GET "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/compare?ids=PROP-001,PROP-003,PROP-007" \
  -H "x-api-market-key: YOUR_API_KEY"
```

#### 11. Get Portfolio Statistics

Retrieve aggregate encumbrance statistics across the full sample property dataset.

**Method**: `GET`
**Endpoint**: `/v1/propertytitle/statistics`

**Example Request**:

```bash
curl -X GET "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/statistics" \
  -H "x-api-market-key: YOUR_API_KEY"
```

#### 12. Health Check

Check API availability and retrieve live dataset statistics.

**Method**: `GET`
**Endpoint**: `/v1/propertytitle/health`

**Example Request**:

```bash
curl -X GET "https://prod.api.market/api/v1/nicheapi-llc-1/propertytitle/v1/propertytitle/health" \
  -H "x-api-market-key: YOUR_API_KEY"
```


## Custom Factor Weights

By default, the composite encumbrance score uses the following category weights:

| Factor | Default Weight |
| :--- | :--- |
| `liens` | 0.25 |
| `chain_of_title` | 0.20 |
| `judgments` | 0.15 |
| `tax_liens` | 0.15 |
| `easements` | 0.10 |
| `hoa_delinquencies` | 0.10 |
| `deed_restrictions` | 0.05 |

To override these defaults, include a `factor_weights` object in your `/analyze` or `/analyze/batch` request body. All values must sum to `1.0`.

```json
{
  "property_id": "PROP-010",
  "factor_weights": {
    "liens": 0.30,
    "easements": 0.10,
    "chain_of_title": 0.25,
    "judgments": 0.10,
    "hoa_delinquencies": 0.05,
    "tax_liens": 0.15,
    "deed_restrictions": 0.05
  }
}
```


## Status Codes
Below is a list of common HTTP status codes you may encounter when interacting with the PropertyTitle API:

*   **`200 OK`**: The request was successful and the server has returned the requested data.
*   **`400 Bad Request`**: The server could not process the request due to invalid input — such as a missing `property_id`, a malformed `factor_weights` object whose values do not sum to 1.0, or a batch array exceeding 50 items. Review your request body before retrying.
*   **`401 Unauthorized`**: Authentication failed. Your `x-api-market-key` header is missing or contains an invalid key. Confirm your key is active and correctly included in the request header.
*   **`403 Forbidden`**: Your API key is valid, but your current plan does not permit access to the requested resource or endpoint. Review your plan's permissions on RapidAPI.
*   **`404 Not Found`**: The requested property ID or endpoint does not exist. Verify the `property_id` value and URL path against the endpoint reference above.
*   **`429 Too Many Requests`**: You have exceeded your plan's rate limit. Implement client-side rate limiting and exponential backoff. Check the `Retry-After` response header for guidance on when to retry.
*   **`500 Internal Server Error`**: An unexpected server-side error occurred. Retry the request after a short delay.
*   **`503 Service Unavailable`**: The server is temporarily unavailable due to maintenance or elevated load. Retry after a short delay.

## Rate Limits

Rate limits vary by plan:

| Plan | Price | Requests/Month | Rate Limit |
| :--- | :--- | :--- | :--- |
| **Free** | $0 | 100 | 10 req/min |
| **Pro** | $49/mo | 5,000 | 60 req/min |
| **Business** | $149/mo | 50,000 | 300 req/min |
| **Enterprise** | $499/mo | 500,000 | 1,000 req/min |

If you exceed your plan's rate limit, the API returns a `429 Too Many Requests` status code. Implement exponential backoff in your client and monitor the `Retry-After` header for retry timing guidance.

## FAQ

*   **What does the composite encumbrance score represent?**
    The score (0–100) is a weighted synthesis of all 7 encumbrance categories. A score of 0 indicates no detected encumbrances; 100 indicates the most severe combination of defects. Each category is scored independently and then rolled up using the default weights (or custom weights if provided).

*   **Can I adjust how each factor is weighted in the score?**
    Yes. Include a `factor_weights` object in any `/analyze` or `/analyze/batch` request to override the defaults. All seven factors must be present and their values must sum to `1.0`. See the Custom Factor Weights section for the full reference.

*   **What property IDs are available for testing?**
    The API ships with 60 sample properties across 17 county formats and 13 states. Use the `/properties` endpoint to browse available records, or the `/test` endpoint to run analysis across a random selection without needing to specify individual IDs.

*   **How many properties can I batch analyze at once?**
    The `/analyze/batch` endpoint accepts up to 50 property analyses per request. Each can optionally include its own `factor_weights` override.

*   **What is the compare endpoint used for?**
    The `/compare` endpoint accepts 2–10 property IDs and returns side-by-side encumbrance scores, useful for ranking acquisition targets or monitoring portfolio risk without running separate analyze calls.

*   **How do I filter liens, easements, or title issues for a specific property?**
    Use the `?q=` search parameter on any reference data endpoint (e.g., `/liens?q=PROP-001`) to filter results by keyword, including property ID.

*   **How do I authenticate my requests?**
    All requests require an `x-api-market-key` header with your API key obtained from RapidAPI.

*   **What rate limit applies to my plan?**
    Rate limits range from 10 requests/minute on the Free plan to 1,000 requests/minute on Enterprise. See the Rate Limits section for the full breakdown.

## Contact Us

For questions or support, contact the developer at [21truescarystories@gmail.com](mailto:21truescarystories@gmail.com).