Florida Mortgage Loan Officer Practice Exam 2026 - Free Mortgage Loan Officer Practice Questions and Study Guide

The document that provides evidence of an individual's ownership of property is the deed. A deed is a legal instrument that transfers ownership rights from one party to another and serves as public evidence of that ownership. It contains information about the property, including a description, the names of the buyer and seller, and is typically recorded in the county registry to establish public record.

In contrast, title insurance protects against financial loss from defects in title to a property, but it does not itself prove ownership. A mortgage agreement outlines the terms of the loan secured by the property but does not establish ownership. A property survey is a detailed map or drawing that shows the boundaries, structures, and other characteristics of the property, but it does not serve as proof of ownership itself. Therefore, the deed is the primary document that affirms and confirms an individual's ownership of real estate.