Florida Harbor Title & Closing

Reading what the title search turns up before it becomes your problem.

Handles Florida closings for buyers moving here, where the search, the survey and the association's paperwork all have to agree before money moves. What turns up in the file is explained in plain words while there is still time to act on it, and what gets signed on the day is gone through beforehand rather than slid across a table.

Who runs it

Has closed Florida purchases where the problem was an old permit, an unrecorded heir or a fence three feet into next door. None of those were found on the closing day.

The person who runs your file is the person in the room when it closes.

What they do

• 01
  The title search

  What is actually recorded against the property. Old liens, unreleased mortgages, an estate that was never finished, and what each one takes to clear.

• 02
  Title insurance, explained

  What the policy covers, what the exceptions on the back page take back out, and the difference between the one the lender requires and the one that protects you.

• 03
  The survey and the boundaries

  Where the line really is, what is encroaching on it, and what the survey shows that the listing photographs did not.

• 04
  Association paperwork

  Estoppel letters, transfer fees and what the association says is owed. In Florida this arrives late and stops closings, so it is asked for early.

• 05
  Open and expired permits

  Work done on the house that was never signed off stays attached to the property, not to whoever did it. Checked before closing, not after.

• 06
  Escrow and the wire

  Funds held and released properly, and wiring instructions confirmed by telephone on a number you looked up yourself. Wire fraud at closing is the single most expensive thing that happens to Florida buyers.

Who it does not suit