- Licensed Florida Title Insurance Agency
- Insured & Bonded
- Jacksonville Based
- Mobile & Remote Closing Options
- Closings Coordinated Across All 67 Florida Counties
Shearwater Title Company
Title & Closing Support for Shearwater Homes
Shearwater is one of the larger master-planned communities along the CR-210 corridor, built out by multiple national and regional builders around amenities that include The Shearwater Club, home to what is marketed as the longest lazy river in Northeast Florida, along with a kayak launch on Six Mile Creek, resort-style pools, and extensive trails.
Because several builders are active in Shearwater at once, a given closing may involve a builder’s own purchase agreement and closing documents, or a resale subject to the community’s homeowners association, depending on the section and the home’s age.
Title Company of Florida confirms which builder or association documents apply to a given address at file opening, requests estoppels promptly on resales, and coordinates directly with builder closing teams on new construction so title and builder requirements are satisfied together.
Looking for a Shearwater title company that already knows how these files work? Call or text our closing team, or open a Shearwater title order online.
Real Estate Closings in Shearwater
As your Shearwater title company, we coordinate eligible:
- New-construction purchases
- Single-family resale homes
- Townhome closings
- Cash purchases
- Jumbo and conventional financing
- Builder closings
- Relocation purchases
Depending on the file, our team may coordinate:
- Title search and title commitment
- Earnest money escrow
- Master and sub-association estoppels
- Gate access for signings and inspections
- Mortgage payoff information
- Lender and underwriter requirements
- Settlement figures
- Recording and authorized disbursement
Shearwater 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 Shearwater closings are submitted there for recording.
Title Insurance & Escrow for Shearwater Properties
As the Shearwater 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.
On new-construction purchases in Shearwater, we review the builder’s contract alongside the title commitment so owner’s coverage and any required endorsements are addressed before closing.
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.
The search covers the community’s recorded plats and declarations and, for newer sections, confirms the current status of any community development district assessments shown on the tax roll.
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.
Shearwater Closing Considerations
Shearwater’s scale, multiple active builders, and shared amenity structure create a few recurring items in our files.
Homeowners Association Estoppels
Shearwater resales are governed by the community’s homeowners association.
We request the estoppel at file opening and reconcile dues, assessments, and transfer fees with the contract before closing figures are finalized.
Builder Closing Coordination
New-construction purchases in Shearwater follow the builder’s own contract and closing timeline.
We stay in direct contact with the builder’s closing team so title requirements, the builder’s conditions, and the buyer’s loan all come together for the same closing date.
CDD Assessments and Tax Roll Review
Community development district assessments are common in large St. Johns County master-planned communities and appear on the property’s tax bill.
We confirm current CDD status as part of the title search so buyers understand what is being assumed at closing.
Builder Warranties on New Homes
New Shearwater homes come with builder warranties that are separate from the title policy.
We make sure warranty documentation is included with the closing package so buyers have it on hand after closing.
Amenity Access and Transfer
Access to The Shearwater Club and other community amenities typically transfers with the home through the homeowners association, not through a separate membership.
We confirm how amenity access works for each section so there are no surprises after the sale.
How a Shearwater Closing Works With Our Team
1. Contract and transaction information are received
As the Shearwater 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
Homeowners association estoppels, CDD status, builder closing documents where applicable, 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 Shearwater Buyers & Sellers
Many Shearwater buyers are relocating from out of state or purchasing new construction sight-unseen. We arrange remote, mail-away, and mobile signings so distance never holds up a closing.
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 Shearwater and Nearby Communities
We coordinate title and closing services throughout Shearwater and the surrounding CR-210 corridor, including:
- Shearwater
- The Shearwater Club amenity area
- Six Mile Creek corridor
- CR-210 communities
- Nocatee area
- 32092 communities
- St. Johns County new construction
- World Golf Village area
Nearby Service Areas
We also close throughout the surrounding area. See our Nocatee title company page for broader coverage, or explore nearby communities:
Why Shearwater Agents, Lenders, Buyers & Sellers Choose Title Company of Florida
Shearwater closings run smoothly when the right builder or association documents are identified early and CDD status is confirmed before closing.
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 Shearwater Transaction With a Local Title Team
From builder closing coordination to HOA estoppels and CDD confirmation, our team coordinates your Shearwater closing through St. Johns County recording.
Shopping for a home here? See homes for sale Shearwater 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.