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Title Search

What is a Title Search?

A title search is a notable component of any real estate transaction, and understanding its purpose and process is vital. At Emerald Coast Title, we specialize in providing comprehensive title search services to ensure that our clients have a clear title when buying or selling property.

What’s Included in a Title Search?

A title search is a detailed examination of public records to establish a property's ownership history and legal standing. During this process, various aspects are reviewed:
  • Chain of OwnershipThe title search traces the history of property ownership, ensuring a complete and unbroken chain. Any gaps or discrepancies are investigated.
  • Liens and EncumbrancesIt identifies any outstanding liens, mortgages, or legal claims on the property. These need to be addressed before a sale can proceed.
  • Easements and RestrictionsA title search uncovers any easements or restrictions that may impact the property's use. This could include utility access rights, building restrictions, or community covenants.
  • Judgments and TaxesOutstanding judgments and property taxes that could affect the property's ownership are examined.
  • Survey DiscrepanciesAny discrepancies between the property's boundaries and its legal description are highlighted.

How Long Does a Title Search Take?

The duration of a title search varies based on several factors, which we know can be frustrating. These include the complexity of the property's history, the availability of public records, and the efficiency of the title search provider. Typically, a title search can take anywhere from a few days to a couple of weeks. However, at Emerald Coast Title, we do understand the importance of timely results and will work diligently to provide swift and accurate title searches.

Why is a Title Search Important?

A title search is vital to the real estate transaction process for several reasons:

Clear Ownership

It ensures that the seller has the legal right to sell the property, providing confidence to the buyer that they are obtaining clear ownership.

Financial Security

A title search identifies any existing liens or claims against the property that could become the responsibility of the new owner. Resolving these issues is essential to avoid financial risks.

Property Value

A clean title enhances the property’s value and marketability, making it an attractive option for buyers and lenders.

Legal Protection

A thorough title search can prevent legal disputes and complications after the sale. It safeguards the interests of all parties involved.

What Title Searches Does Emerald Coast Title Provide?

We offer a range of title search services to cater to the diverse needs of our clients. Our title search services include owner’s title search, lender’s title search, title updates, and continuation, and commercial property title searches.

Title Search

An owner’s title search is the standard search that provides a comprehensive examination of the property’s ownership history, liens, encumbrances, and more.

Lender's title search

A lender’s title search is specifically designed for lenders and offers a thorough analysis of the property’s title to mitigate risks associated with mortgage lending.

Title updates and continuations

Title updates and continuation searches ensure that any new developments regarding the property’s title are promptly addressed.

Commercial property title searches

Commercial real estate transactions offer specialized searches tailored to the unique requirements of commercial properties.

Our team of experienced attorneys and professionals is dedicated to delivering accurate, timely, and comprehensive title search results. We understand the role a title search plays in the real estate transaction process and are committed to providing our clients with the peace of mind they deserve.

For more information or to get in touch with us, please visit our Contact Us page. We’re here to provide you with the exceptional services you need to navigate the world of real estate transactions with confidence.