Living in Charlotte County Florida

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Title terms you need to know

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What is a title?  What is title insurance?  What is a title company?  Many people are asking these questions and it is coming up even more frequently with the foreclosure mess.  Here is a list of definitions taken from Financial Real Estate Handbook Sixth Edition. 

  • Title – the evidence one has  of right to possession of land.


  • Title Company – an agency issuing the policy of a title insurance company.


  • Title Insurance Company – A company which issues insurance regarding title to real property. 


  • Title Insurance – Insurance against loss resulting from defects of title to a specifically described parcel of real property.   


  • Title Order – An order for the search of a title to some parcel of property, eventually leading to the issuance of a policy of title insurance.


  • Title Plant – A filing of all recorded information to real property, paralleling the records of the county recorder’s office, although the filing system may be different.


  • Title Search – A review of all recorded documents affecting a specific piece of property to determine the present condition of title. 


  • Defective Title – Title to real property which lacks some of the elements necessary to transfer good title.


  • Preliminary Title Report – A report showing condition of title before a sale or loan transaction.  After a completion of the transaction, a title insurance policy is issued.


When you have questions related to title, ask a real estate attorney or title company. 

Tammy Hayes, Realtor, Sandals Realty, Punta Gorda, FL


Author: tammyhayes

I am a residential realtor serving Charlotte and Sarasota Counties in sunny, southwest Florida. Contact me for all of your real estate needs. I am professional, ethical, informational, and understanding. I will be with you to assist you every step of the way. Whether you are buying or selling a home, I can help.

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