We’re looking at temperatures in the 30s today, fresh off the weekend’s “bomb cyclone.”

Today we look at what’s known as tangled titles — the surprising, confusing, and disruptive discoveries that threaten more than $1 billion in household wealth in Philadelphia alone.

And with the Eagles’ season over, we give you a chance to decide who the franchise should keep — and who the Birds could do without.

— Kerith Gabriel (@sprtswtr, morningnewsletter@inquirer.com )

The ‘catastrophic’ nature of tangled titles

  • 😲 A Wallingford family discovered they owned only half of their yard.

  • 😕 A South Philly homeowner learned he only owned half his house.

  • 😡 A Lower Merion family found they owned only half their driveway.

Those are some surprising tales of people dealing with tangled titles — when portions or sometimes the entirety of a property doesn’t transfer to a new owner. In Philly alone, there are currently more than 10,000 such cases, which threaten an estimated $1 billion in household wealth. It comes down to title companies, and what they do and don’t do for homeowners.

What title companies do:

  • Search the chain of ownership of a residential property going back 60 years.

  • Make sure the seller of the home is the legal owner.

  • Search for liens, court claims, unpaid taxes, and bankruptcies.

What they don’t do:

  • Visit the actual property.

  • Ensure that boundaries match buyer expectations.

“It doesn’t happen all that often, but when it does, it’s catastrophic,” says real estate lawyer Lance Rogers.

Our reporter Michaelle Bond has more, along with steps you can take to avoid getting tangled in titles.

What you should know today

Which Eagle stays and who goes? You decide.

Our annual Eagles Stay or Go is going interactive. In addition to our own take on the team’s roster, you get to decide which players are vital to the Birds’ success — and which have trade value or should just be cut to make space for new talent.

Our reporter Jeff McLane gives his take on the entire 53-man roster, and you then get to decide whether he’s right.

  • Eagles quarterbacks Jalen Hurts and Gardner Minshew? Jeff says 👍

  • Wide receivers Jalen Reagor and Greg Ward? Jeff says 👎

So play the role of Eagles general manager — and then see how your roster compares with others. 🦅

🧠 Philly Trivia Time 🧠

Today will be cold, but it won’t be the coldest last day of January in Philly on record. That happened during a polar vortex that had the entire city and suburbs in a deep freeze. Today’s question: Do you know which Jan. 31 was the coldest in city history? Take a guess and find the answer here.

a. 2018

b. 2019

c. 2016

What we’re…

  • 🤔 Contemplating: What improvements and advances are in store for Philadelphia’s libraries under their new director.

  • 🔬 Wondering: How do pandemic woes make gastrointestinal problems in teens even worse? This expert explains.

  • 📚 Reading: Does anyone feel like hugging a cow today? It’s just one of the unique team activities employers are using to get their employees to de-stress.

Photo of the day

Thanks for starting your week with The Inquirer. I’ll see you tomorrow. 💯