First of all, relax. You became legal owner of the real estate as soon as the deed was signed and delivered to you. The purpose of recording a deed is to create what is known as a "chain of title." In the future, when you go to sell the house, an abstracter will check the county records for proof that you have a clear title to pass to the buyer. Without this check, no one will buy your house. This is the same thing that happened when you bought the house. Your mortgage lender would not have allowed the transaction to go through unless they were satisfied whoever was selling it to you had clear title. You probably got title insurance which guarantees this. Check your closing statement. If an amount was withheld for costs of recording, then whoever got these fees, the mortgage holder or maybe the title insurance company, has the obligation to pay them to record the deed. Otherwise, you should record the deed, yourself. Most recording fees are fairly low.
lou - retired lawyer