Why do I have to pay a fee?

Chase charges a "convenience fee" for processing the transaction. The fee is not charged by Adams County, nor does Adams County receive any part of the fee. By state statutes, the County government is not allowed to charge or receive any part of a fee for credit card payment transactions.

Why isn't my name on the release when I am the person who paid off the loan?

A warranty deed or quit claim deed is executed and recorded at the time of sale. Title to real estate is held subject to the Deed of Trust, which is released from the records when it is paid off. If the mortgage loan was assumed from another party, the previous owner's name(s) is listed on the original security instrument (a deed of trust or mortgage); therefore, the lien on record with the local recording jurisdiction is listed in their name(s).