Cloud On Title

You don't realllllly own it...yet. You thought you did. You paid the down payment and procured the mortgage. But the title to your house...because your neighbor claims she owns it...now has a cloud on it.

Clear title means that there were no issues. You bought the whatever. You own it. That's it. When there's a cloud on that title it's...vague...until the clouds part and sun shines down on the fine print with...clarity.