EFFECT OF TITLE REGISTRATION ON RESIDENTIAL PROPERTY MARKETABILITY IN OFFA KWARA STATE

ABSTRACT This study examined the effect of title registration on the marketability of residential properties in Offa, Kwara State. The research was motivated by the growing urban expansion in Offa and the persistent prevalence of informal land transactions despite increasing residential development. The study sought to identify the types of residential properties with registered titles, examine the challenges affecting title registration, and assess the extent to which title registration influences property marketability. A quantitative approach was adopted, utilizing structured questionnaires. A total of 196 questionnaires were distributed among property owners, estate surveyors, legal practitioners, and land registry officials, out of which 173 were returned and analyzed, representing an 89.29% response rate. Data were analyzed using descriptive statistics, frequency tables, percentages, and weighted mean scores. Findings revealed that three-bedroom flats are the most common residential property type in the study area. However, a significant proportion of properties remain unregistered. Major challenges affecting title registration include land disputes, high registration fees, lack of digitization, poor institutional coordination, and limited public awareness. The study further established that title registration significantly enhances property marketability by attracting buyers faster, increasing property value, improving investor confidence, and facilitating access to mortgage financing. The study concludes that strengthening land administration systems and improving access to title registration are essential for enhancing property market efficiency and promoting sustainable urban development in Offa. Practical recommendations were provided to improve the title registration framework and encourage formal property documentation.