On Fri, 23 Oct 2015 13:22:20 -0400, Nancy Young
> wrote:

>On 10/23/2015 12:39 PM, Brooklyn1 wrote:
>> On Thu, 22 Oct 2015 23:54:08 -0400, Nancy Young
>> > wrote:
>>
>>> On 10/22/2015 9:41 PM, Ed Pawlowski wrote:
>>>
>>>> The CO is required when the house is built, but I've never seen mine in
>>>> any of my houses as I was not the first owner. CO has nothing to do
>>>> with taxes, that is determined by an evaluation and assessment by an
>>>> independent company every five years.
>>>
>>> A CofO is required when houses change hands in my town, and I believe
>>> that's very common where I live. Still, a friend bought a house a
>>> few towns over, they do not require one, when a house changes hands,
>>> at any rate.
>
>My mortgage company had already cut the check before the CO was
>done, ditto the title insurance. No on asked for that document,
>not the subesequent refis I went through, either.

The CO isn't "done", it's on file with the town clerk, it was looked
at by the title insurance company and a copy shared with the lender...
I can assure you a copy was at your closing... that it wasn't
discussed indicates there were no issues. A CO merely indicates the
dwelling meets the municipality's building codes (no violations) so is
habitable, therefore can be transferred. Any violations would be the
seller's resposibility to remedy prior to closing. Typially at
closings all parties have a phone handy because the title company's
agent is still in the archives searching through documents looking for
violations and liens to crop up last moment, sometimes liens are
posted last minute, then the lender needs to be notified immediately
and everything is halted.... it's rare but it happens that a
mechanic's lien is filed last minute because the seller didn't pay the
contractor to remedy a violation, or the check bounced. There are
many, many reasons why title isn't clear and so the property can't be
transferred.