Who is considered "on title" in a property ownership context?

In a property ownership context, individuals who are considered "on title" are those legally recognized as owners of the property. Being on title signifies that these individuals have legal rights to the property and are typically listed in the property's deed. This designation is important for a variety of reasons, including the ability to make decisions regarding the property, the right to benefit from any appreciation in value, and the responsibilities associated with ownership such as property taxes and maintenance.

The other options refer to individuals who may have roles in real estate transactions but do not have ownership rights. For example, individuals without a financial stake lack the legal claim to the property and therefore are not on title. Real estate agents work on behalf of buyers or sellers but do not have ownership rights, and escrow agents facilitate transactions but do not have any claim to the property either. Understanding who is on title helps clarify ownership, rights, and obligations associated with the property.