Property checks show you whether anything has come up on a property before you buy it, lend against it or borrow on it. Every Fabrica property page has a Property checks card listing each check, what it found and where the information comes from.
Property checks were formerly called the Provenance Score.
What you see on the page
Next to the property name, a chip sums up the result, for example "1 to review" or "Paused". When the key checks and the claims all pass, you see a shield icon instead. Either one jumps to the card.
The Property checks card shows a count in its header, such as "11 of 12 pass", then opens with a short verdict, such as "All 12 checks pass" or "1 item to review", and one line per group. See all 12 checks shows each check, its status and its source.
If the checks pause sales and loans, a banner at the top of the page says "Sales and loans are paused on this property", gives the reason and links to See property checks.
Each check is titled by what it found. A check that passes reads, for example, "Property taxes paid"; the same check that does not pass reads "Unpaid property taxes", and one with no result yet reads "Property taxes" with the tag "Not checked yet".
The three groups
Key checks. The most serious checks. A failure here can pause sales and loans.
Link to the property is normal: no known recovery, theft claim, tax sale or foreclosure event has been reported on the property.
Deed checked against the county: a deed linking the title to the property's Fabrica record is on file, notarized and recorded. Source: the county recorder.
No theft reports: the property is not on Fabrica's list of flagged properties, and OpenSea, a large marketplace for digital assets, has not marked it as suspicious.
Owner not on a fraud list: the owner's account is not on public lists of accounts tied to scams.
Claims on the property. These affect what the property is worth and whether it can back a loan.
Property taxes paid: the county tax collector shows no unpaid property taxes.
No mortgage found: a lien records search found no open loan secured by the property. It does not cover tax, court or contractor liens.
Fabrica fees in good standing: Fabrica fees on the property are paid, or approved for collection when the property is first sold, borrowed against, or used in another app. A pass does not mean a deferred fee, such as the setup fee, has already been collected.
Good to know. About the people and paperwork, rarely a reason to walk away: whether the current and past owners verified their identity, whether the owner confirmed an email or phone number, whether the property moved between accounts in the last 7 days, and whether its records (location, trust name, legal description, deed, trust agreement) are complete.
"Not checked yet" means there is no result yet. It is not a failure.
A mortgage is reported, not judged
Most homes have a mortgage, and the owner agreed to it. When the lien search finds one, the row reads Mortgage on record with a blue "On record" tag instead of a failure: "An open mortgage is recorded against this property, as with most homes. It's paid off before the property is sold or borrowed against on Fabrica." It is left out of the "N of N pass" count, which then adds "1 on record", and it does not change the verdict. Claims put on the property without the owner's say, such as unpaid taxes, still count as items to review.
What they mean for buying and borrowing
Paused sales and loans. If the link to the property is not normal, the deed has not been confirmed, or the property's checks fall below the minimum required, the property can't be bought, sold or borrowed against until that changes.
Borrowing. The Instant Liquidity card can explain problems with three checks: the deed, property taxes and Fabrica fees. Passing these checks does not by itself guarantee that borrowing is available. Taxes that are unpaid, or not yet confirmed with the county, block borrowing.
If you own the property
At the top of the card, owners see a short list headed "N things you can do" (or "Nothing to do"), because buyers and lenders see these checks on your property:
Keep property taxes current. The check passes once the county shows them as paid, which can take a while.
Use Confirm email so notices about your property reach you.
If your identity is not verified, Get help opens the chat.
If the Fabrica fees check is not passing, use Authorize Fee in the Owner Toolbox.
A recent transfer clears on its own 7 days later.
If you believe a check is wrong, message us with your property link.
What property checks are not
Property checks compare the property's Fabrica record with county records, lien data and other sources. They are a starting point for your own research, not a title search or title insurance.
For lenders and developers, the card also shows a 5-digit code: the numeric encoding of Property checks. It groups the results differently from the checklist, so it is not a percentage or a grade.
If you get stuck, message us through the chat bubble in the corner.
Learn more: How to read the code (developer docs) · Validators