- Licensed Florida Title Insurance Agency
- Insured & Bonded
- Jacksonville Based
- Mobile & Remote Closing Options
- Closings Coordinated Across All 67 Florida Counties
Title & Closing Support for Palencia Homes
Palencia is a gated golf and Intracoastal community off US-1 north of St. Augustine, with distinct sections ranging from townhomes and Village Center condominiums to golf-course and marsh-front estates.
Shopping for a home here? See homes for sale Palencia with Tanya Cosmini of Realty ONE Group Elevate.
Affiliated business disclosure: Realty ONE Group Elevate is owned by Tanya Cosmini. Title Company of Florida is owned by her husband, Sam Gorniak, and Rental Property Partners is owned within the same family. Because of these family relationships, the owners may benefit when you use more than one of these companies. You are not required to use any of them and are free to choose other providers.
Because pricing and carrying costs vary so much by section, the most important closing questions in Palencia are which associations apply, whether the parcel carries a Community Development District assessment, and what club obligations, if any, come with the home.
Title Company of Florida identifies each of those items at file opening, orders estoppels promptly, and makes sure assessments are correctly reflected in closing figures.
Looking for a Palencia title company that already knows how these files work? Call or text our closing team, or open a Palencia title order online.
Real Estate Closings in Palencia
As your Palencia title company, we coordinate eligible:
- Single-family golf and marsh homes
- Townhome closings
- Village Center condominiums
- Mixed-use and Market Street units
- New construction resales
- Cash and financed purchases
- Refinances
Depending on the file, our team may coordinate:
- Title search and title commitment
- Earnest money escrow
- Master and neighborhood association estoppels
- CDD assessment review
- Gate access for signings
- Mortgage payoff information
- Settlement figures
- Recording and authorized disbursement
Palencia properties are recorded in St. Johns County Official Records, maintained by the St. Johns County Clerk of Court and Comptroller. Deeds, mortgages, satisfactions, liens, and other authorized instruments for Palencia closings are submitted there for recording.
Title Insurance & Escrow for Palencia Properties
As the Palencia title company of record, we order and review each policy before closing.
Owner’s & Lender’s Title Insurance
We coordinate eligible owner’s and lender’s title insurance policies according to Florida requirements and applicable underwriting guidelines.
Village Center condominium purchases may require condominium endorsements for the lender, which we coordinate with the underwriter.
An owner’s policy protects the insured buyer’s ownership interest against certain covered title risks. A lender’s policy protects the insured mortgage lender’s interest. They are separate policies with separate insureds.
Title Search and Examination
Our team reviews available public records for matters that may affect the proposed transaction, including mortgages, liens, judgments, prior deeds, easements, recorded restrictions, and association declarations.
In Palencia, the search also covers the master declaration, any neighborhood declaration, and recorded documents for the applicable CDD where one exists.
The title examiner and underwriter determine what requirements apply before proposed title coverage is issued.
Secure Escrow Coordination
For eligible transactions, we coordinate earnest money, buyer funds, lender proceeds, mortgage payoffs, association payoffs, and authorized disbursements according to the contract and applicable closing instructions. Wire instructions are always verified by phone with our office; we never change wiring instructions by email.
Palencia Closing Considerations
Palencia’s section-by-section structure means two homes on nearby streets can close very differently.
CDD Assessments Vary by Section
Some Palencia sections carry Community Development District assessments that appear on the St. Johns County tax bill, while others do not.
Florida law requires CDD disclosure in sale contracts. We confirm the parcel’s status and how any assessment is prorated so the buyer knows the real annual cost.
Master and Neighborhood Associations
Palencia properties may be governed by a master association plus a neighborhood or condominium association.
We request every estoppel at the start of the file and reconcile dues, special assessments, and transfer fees with the contract.
Palencia Club Membership
Membership in the Palencia Club is handled separately from the deed and the HOA.
If the contract addresses a membership, the club’s own process should be confirmed directly, and properly documented charges can appear on the settlement statement.
Village Center Mixed-Use Properties
The Village Center combines residential condominiums, live-work units, and commercial space.
These closings can involve condominium documents, commercial use restrictions, and different lender requirements than a single-family home.
Marsh and Golf Frontage
Homes along the marsh or the golf course may be subject to drainage, conservation, or golf-course easements.
Reviewing the survey with the title commitment exceptions helps buyers understand what limits apply.
How a Palencia Closing Works With Our Team
1. Contract and transaction information are received
As the Palencia title company on the transaction, we open the file, confirm the parties, and request association, payoff, and lender contacts at the start.
2. Title search and applicable requirements are reviewed
Recorded ownership, mortgages, liens, easements, restrictions, and declarations are examined and a title commitment is issued.
3. Association, payoff, and lender information are coordinated
Master, neighborhood, and condominium estoppels, CDD information, payoffs, and lender conditions are coordinated.
4. Settlement figures and signing arrangements are prepared
Closing figures are balanced with the lender and agents, and signing is scheduled at our office, at the property, or remotely when eligible.
5. Remaining closing conditions are completed
Outstanding title, lender, association, or underwriting requirements are cleared before funding.
6. Authorized documents are recorded in St. Johns County and funds are disbursed
After closing conditions are satisfied, documents are submitted for recording and funds are disbursed according to the closing instructions.
Flexible Closing Options for Palencia Buyers & Sellers
Palencia sits between our St. Augustine and Jacksonville offices, so buyers and sellers can sign at either location, at home, or remotely when eligible.
Depending on the lender, underwriter, document type, signer eligibility, and transaction requirements, options may include:
- Jacksonville office closing
- Mobile closing at the property, a club, or an office
- Remote Online Notarization when eligible
- Mail-away closing for out-of-area sellers
- Split signings for buyers and sellers in different locations
Serving Palencia and Nearby Communities
We coordinate title and closing services throughout Palencia and nearby northern St. Johns County, including:
- Palencia Village Center
- Market Street
- Las Calinas Boulevard
- Palencia Club Drive
- East Palencia Heights
- Spanish Marsh and marsh-front sections
- Golf-course neighborhoods
- 32095 communities along US-1
Nearby Service Areas
We also close throughout the surrounding area. See our St. Augustine title company page for broader coverage, or explore nearby communities:
Why Palencia Agents, Lenders, Buyers & Sellers Choose Title Company of Florida
Palencia closings depend on getting associations, CDD status, and club details right from the first day.
Local Northeast Florida Team
Title Company of Florida is based in Jacksonville and closes transactions across Duval, St. Johns, Nassau, and Clay counties every week.
Early Association & Payoff Requests
Estoppels, payoffs, and lender conditions are requested at file opening, not the week of closing, so surprises surface while there is still time to resolve them.
Experience With Higher-Value Transactions
Larger loan amounts, jumbo lender conditions, trust and LLC ownership, and cash purchases each add requirements. Our team coordinates them as part of the normal workflow.
Fraud-Aware Closing Practices
We verify seller identity, confirm wiring instructions by phone, and never request sensitive personal information by email.
Close Your Palencia Transaction With a Local Title Team
From CDD review to Village Center condominium requirements, our team coordinates your Palencia closing through St. Johns County recording.