A discharged mortgage that was never removed from title is the most common of the group, usually because the lender's paperwork was filed but never followed through, and it is a quick fix once caught, typically resolved for $800 to $1,500 in legal fees, rather than a real threat to the sale.
An estate file is the riskier version, because every named heir generally has to consent to a sale, and a missing signature or a beneficiary who cannot be located can stall a closing for months rather than weeks, which is why a lawyer opens the estate file early rather than at the offer stage.
Deliberate fraud is the rare case people worry about most, but paperwork left unfinished by someone with no bad intent is the one that actually shows up on a Saskatoon title search far more often. Get your hand-reviewed valuation from Joel Dyck.