Very curious when you say “clean title is in the safe.” What document are you specifically referencing? Because title on a home is not like a vehicle’s title. If you received the “mortgage release” or “satisfaction of mortgage” document, that really should be filed with the county. That is where it shows home is free and clear. If your mortgage release is filed, then no real reason to hold on to your old mortgage documents.
As a mortgage professional, I see it a few times a year where lender mails the release of mortgage to homeowner vs sending it to the county recorder’s office. Some homeowners have it stored away, and others misplace it. Mainly see this with small lenders that don’t want to pay the recording fee. Most large banks will send it directly to the county and mail homeowner a letter stating such.