Last Updated on January 9, 2022
What is a UCC?
A UCC, or Uniform Commercial Code is a recorded document that a creditor files to give notice that it has or might have an interest in the personal or business property of a debtor.
More specifically, a UCC Financing Statement gives lenders a claim on assets a debtor pledges as a security interest, such as when an individual obtains a mortgage for real estate. The home is the collateral pledged for the property. With the UCC-1 filed, the homeowner can’t take out another loan on the home without first paying off the initial loan.
What information does a Washington UCC search show?
A UCC is a public record that will show the lien type, lien status, debtor name and address, and search number.
Why is a UCC needed?
The UCC filing facilitates a secure transaction for a creditor to gain security in debtor’s collateral or assets for protection against default on a loan.
Where is a UCC filed in Washington?
Most UCC liens are done with the Washington State Department of Licensing, however, land records are filed with the County Auditor, in the county where the real estate is located
How much does a UCC search cost in Washington?
There is no cost to do a UCC search in Washington.
How to do a UCC search in Washington
Step 1 – Go to the Washington State Department of Licensing website
Step 2 – Under Professions, click on Uniform Commercial Code (UCC).
Step 3 – Click on File and Search Online.
Step 4 – Choose whether you would like to Search Records or Search by File Name on the left side of the screen.
Step 5 – Answer the questions and fill in the appropriate information to conduct a search.