Work with our trusted partners at Chelsea Title for all your title insurance needs.
Chelsea Title is owned by David R. Carter, Esquire, a Board Certified Real Estate Attorney with two locations in both Spring Hill and Lutz, Florida.
They are a full-service Title Company offering a multitude of advantages including title insurance, escrow services, access to a state of the art automated title information system, the closing of Conventional, FHA and VA loans and the coordination of 1031 exchanges.
Choosing the right title company is just as important as finding the right home. Whether purchasing, selling or refinancing, Chelsea Title of the Nature Coast, Inc., is your place to close.
Chelsea Title of the Nature Coast, Inc., has an on-site Title Plant with over 50 years of Title search experience. Their Title Plan benefits you as the buyers and sellers by generating fast and precise title searches that assist in getting you to the closing table sooner.
Frequently Asked Questions about Title Insurance:
Why Do I need Title Insurance?
It protects the insured from losses as the result of claims on one’s ownership of real estate. It is unique in that it ensures for problems which occurred even before the insured took the title. The problems that could arise that are covered by title insurance are:
- Fraudulent or misrepresented deeds, releases, etc.
- Recording errors
- Undisclosed or missing heirs
- Incompetency of the previous seller
- False representation by sellers
- Lack of right of access
- Erroneous or inadequate legal description
- Power of attorney revoked by death or insanity
What Should I look for In a Title Company?
You should insist on a Title Company with a stable financial history and well-established background in your area. A well-established company will ensure the security of your escrow funds and proper disbursement of your closing.
What are the Different Types of Title Insurance?
There are two basic policies, an OWNER’S POLICY and a LOAN POLICY. The Owner’s Policy protects the interest of the real estate owner, the Loan Policy protects the interest of the Lender or Mortgagee.
What is the Cost of Title Insurance?
Title insurance costs vary depending on a wide range of variables, but in all cases, it is a one- time only fee and does not need to be renewed. We always want to be able to provide the best service for our customer and provide the information to save you the most. So if you place an order with us, please provide a copy of your current Owner’s Policy of Title Insurance and Survey. With your Owner’s Title Policy, we are able to provide reissue rates. Of course, these rates are governed by RESPA (Real Estate Settlement Procedures Act), so when we review these items we will give you the appropriate discount.