My seller had two heirs on the deed and neither one knew the other had already spent their half.
Inherited 22 acres outside Tulsa, split equally between a brother in Phoenix and a sister still living four miles from the property. I had the contract signed by both of them, notarized, everything looked clean. Got to the 14-day mark and my end buyer's attorney called title. Title called the sister. She mentioned, casually, that she had taken a $9,200 personal loan in February and used her undivided interest in the parcel as collateral. Lender had filed a lien. Brother had no idea. Sister thought it would be paid off before closing, which it was not, not by a long margin. The assignment fee I had locked in was $6,500, which would not have covered her lien even if I had been willing to hand it over entirely, which I was not. Deal died on day 16, same number as my Oklahoma land deal from last year, which I am starting to think is a cursed number for me specifically. The lien was not visible in the initial search I ran because it had been filed in a different county than the parcel sits in, tied to her home address rather than the property address. I knew to run title on the parcel. I did not think to run a judgment or lien search on the individuals. I do now.