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WP, Your original question was best answered by a title company, so didn't weigh in on that post.

Apparently that original HELOC was never actually closed. It's been "on the books" for this whole time.

As you currently have a HELOC with PNC, I would guess the old HELOC was actually closed with the other bank, as PNC would probably not issue a HELOC in the 3rd position. While the old HELOC was closed, it sounds like it wasn't released at the court house as a lien on the property. The title company you have now for this new refinance of the 1st mortgage is doing some clean up. It's not uncommen for a loan to be paid off and closed but the lien not released as a public record.
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