One Closing Team. Fewer Surprises.
A real estate transaction involves more than a contract and a signing date.
Our team coordinates the critical steps that can affect whether your closing stays on track:
- Early identification of title requirements
- One point of coordination throughout the file
- Secure escrow and verified funding instructions
- Clear closing milestones
- Coordination with real estate agents and lenders
- Flexible signing arrangements
- Recording and post-closing follow-through
Instead of wondering who is handling what, buyers and sellers have one Florida title company helping move the transaction toward closing.
- Licensed Florida Title Insurance Agency #G324751
- Insured & Bonded
- Jacksonville Based
- Closings Coordinated Across All 67 Florida Counties
Florida Title Services for Buyers
Buying a property means taking ownership of more than the home itself. Existing liens, prior ownership issues, recording errors, or other title matters can affect the transaction.
Our buyer closing services are designed to identify those concerns early and coordinate the steps required before ownership transfers.
Title Search and Property Review
Our team reviews available public records for matters that may affect ownership, including existing mortgages, liens, judgments, probate concerns, prior deed issues, and recorded restrictions.
Visit our Florida title search services.
Owner’s Title Insurance
An owner’s title insurance policy can protect the insured buyer against certain covered title defects and ownership claims that may appear after closing.
Title Company of Florida coordinates eligible owner’s and lender’s policies under Florida regulations and applicable underwriting guidelines.
See our complete Florida title insurance services for coverage information.
Secure Escrow and Closing Funds
We coordinate earnest money deposits, buyer funds, lender proceeds, and authorized closing disbursements through secure escrow procedures.
Buyers receive clear instructions regarding deposits, funds needed for closing, signing requirements, and settlement figures.
Wire safety reminder: Always verify wiring instructions directly with our office using a trusted phone number before sending money.
Transfer money safely with our Florida escrow services.
What Buyers Should Send Us
Opening the file early helps us begin title and closing coordination without unnecessary delays.
Have the following available when applicable:
- Executed purchase contract
- Buyer contact information
- Lender information for financed purchases
- Entity or trust documents
- Prior title information when requested
- Preferred signing arrangement
Buying in Florida?
Open your title file early so the closing team can begin coordinating your transaction.
Florida Title Services for Sellers
Selling property can become stressful when a lien, payoff issue, ownership problem, or missing document appears late in the transaction.
Our seller services focus on identifying requirements early and coordinating the financial and documentation details needed to reach closing.
Early Title Review
Potential seller-side issues may include:
- Unreleased mortgages
- Judgment or tax liens
- Ownership discrepancies
- Probate or estate requirements
- Errors in prior deeds
- Municipal lien matters
- HOA or condominium estoppels
- Existing entity or trust requirements
When applicable, we collect and coordinate FIRPTA-related documentation provided by the parties and their legal or tax professionals.
Identifying these matters earlier gives the appropriate parties more time to respond before closing deadlines become urgent.
Payoffs and Seller Settlement Coordination
Our team coordinates applicable:
- Mortgage payoffs
- Association balances
- Property tax adjustments
- Seller closing costs
- Settlement figures
- Commission disbursements
- Authorized seller proceeds
What Sellers Should Send Us
- Executed purchase contract
- Seller contact and ownership information
- Mortgage or loan details for payoff requests
- HOA or condominium contact information
- Existing survey, when available
- Prior owner’s title policy
- Entity, trust, probate, or estate documents when applicable
- Preferred signing arrangement
Statewide Closing Options
Sellers do not always need to appear at our Jacksonville office.
Depending on the lender, underwriter, document type, signer eligibility, and transaction requirements, available closing options throughout Florida may include mobile signing, Remote Online Notarization, mail-away closings, or mobile notary coordination.
Selling Property?
Start the closing file early so title, payoff, and document requirements can be coordinated before deadlines become urgent.
Services Our Closing Team Coordinate With
Title Company of Florida provides coordinated services throughout the transaction.
Title
Property records are examined, applicable requirements are identified, and eligible title insurance policies are coordinated.
Escrow
Earnest money, buyer funds, lender proceeds, payoffs, and other authorized transaction funds are handled through the closing process.
Settlement
Our team coordinates the preparation of applicable closing documents, settlement figures, signing instructions, recording, and authorized disbursements.
Keeping these services with one team helps reduce communication gaps and gives buyers, sellers, real estate agents, and lenders a clear point of contact.
What Happens From Contract to Closing?
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Open the Title File
Send us the signed contract and transaction information.
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Complete the Title Search
Property records are reviewed and applicable title requirements are identified.
Expected output: Title commitment and identified requirements when applicable.
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Coordinate the Transaction
We work with buyers, sellers, real estate agents, lenders, associations, payoff providers, and other authorized parties.
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Prepare for Settlement
Payoffs, escrow funds, title requirements, settlement figures, and applicable closing documents are coordinated.
Expected output: Settlement statement or Closing Disclosure, plus signing instructions.
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Complete Signing
The parties complete the approved signing process.
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Record and Disburse
After closing conditions are satisfied, applicable documents are submitted for recording and authorized funds are disbursed.
Expected output: Recorded deed and final title policy when issued.
Buyer and Seller Closing Costs in Florida
Closing costs differ for buyers and sellers, and the signed contract ultimately determines which party pays each expense.
Buyers May Encounter
- Lender fees
- Lender’s title policy and endorsements
- Recording charges
- Prepaid taxes and insurance
- Inspections and appraisal
- Buyer-allocated title or settlement charges
Sellers May Encounter
- Mortgage payoffs
- Documentary stamp tax on the deed
- Owner’s title policy when contractually allocated
- Real estate commissions or broker compensation
- HOA or condominium estoppels
- Municipal or lien-related charges
- Seller settlement expenses
Florida title insurance premiums follow regulated rates, while settlement and related service charges can vary based on the transaction.
Estimate Your Florida Closing Costs
Review title insurance rates or use the calculator that matches your side of the transaction.
Actual costs depend on the signed contract, financing, county practices, property, and transaction-specific requirements.
Why Buyers and Sellers Choose Title Company of Florida
Your title company handles sensitive documents, transaction funds, title requirements, and the final transfer of ownership. Experience and accountability matter.
Title Company of Florida is:
- Licensed Florida Title Insurance Agency #G324751
- Insured and bonded
- Headquartered in Jacksonville, Florida
- Available for closings across all 67 counties
- A member of the American Land Title Association (ALTA)
- A member of the Florida Land Title Association (FLTA)
- NEFAR Affiliate Member
- St. Augustine & St. Johns County Board of REALTORS® Business Partner
National Underwriter Relationships
Our title insurance relationships include:
- Fidelity National Title Insurance Company
- Chicago Title Insurance Company
- First American Title Insurance Company
- Old Republic National Title Insurance Company
Our team combines statewide closing capability with direct communication and an established Jacksonville operation.
Jacksonville Headquarters. Statewide Florida Service.
Title Company of Florida is headquartered at:
10163 Fortune Parkway
Jacksonville, FL 32256
Our Jacksonville office serves as the company’s primary hub for Northeast Florida transactions.
For buyers and sellers specifically searching for local Jacksonville service, visit our Jacksonville title company page.
Outside Northeast Florida, we coordinate eligible mobile, remote, mail-away, and other approved closing arrangements throughout the state rather than presenting every Florida city as a physical office location.
Frequently Asked Questions
Do buyers need title insurance in Florida?
A lender may require a lender’s title policy when a property is financed. An owner’s policy is separate and protects the insured buyer against certain covered title risks.
Who chooses the title company in Florida?
The signed purchase contract controls how title and closing responsibilities are allocated.
Florida DFS Title Insurance Overview states that the party paying the title insurance premium generally receives the first choice of closing or title agent, subject to lender approval. Local customs may influence negotiations, but the executed contract governs the transaction.
For more detail, see who pays for title insurance in Florida.
What information is needed to open a title file?
Generally, send the executed contract, buyer and seller contact information, lender information when applicable, and any entity, trust, estate, or prior title documents relevant to the transaction.
How long does a Florida title search take?
Timing depends on the county, record availability, property history, and complexity of the transaction. Opening the file early gives the title team more time to identify and address requirements.
What happens if a lien or title defect is found?
Many issues can be addressed through payoffs, releases, corrective documents, affidavits, probate records, or other supporting documentation. Some matters may require assistance from an attorney, lienholder, association, or government agency.
Is Remote Online Notarization available for every closing?
No. Availability depends on the lender, underwriter, document type, signer eligibility, and transaction requirements.
When is the owner’s title policy issued?
The final owner’s policy is generally issued after the transaction closes, applicable documents are recorded, and the title requirements for policy issuance have been satisfied.
Move Your Florida Closing Forward
Whether you are buying or selling, your title company should make the transaction easier to manage, not harder.
Title Company of Florida gives buyers and sellers one coordinated team for title searches, title insurance, secure escrow, settlement services, signing, recording, and statewide closing support.