Services

Everything a Florida closing needs, under one roof.

Title insurance, title search, escrow, and closing services for residential, commercial, developer, lender, and 1031 transactions — handled by people who read every document and answer their own phones.

Title Insurance

Peace of mind that lasts as long as you own the property.

A real estate purchase is usually the largest investment a family ever makes. Title insurance protects that investment from claims the title search couldn't catch — forgeries, undisclosed heirs, filing errors, or old liens that surface years later.

We search the public record, clear what can be cleared, and issue a policy that covers the rest. One premium at closing; coverage for as long as you own the home.

Two policy types: an owner's policy protects your ownership rights. A loan policy protects the lender's interest and is required on every financed transaction. Most buyers take both.

Surety writes through three top-rated underwriters — Westcor, WFG National Title Insurance Company, and First American Title Insurance Company — so we can match the right carrier and endorsements to the deal.

Title Search

Public records, examined thoroughly.

A clean closing starts with a clean search. We examine every public record tied to the property — deeds, mortgages, liens, judgments, tax rolls, probate filings, and recorded easements — to build a full picture of who owns what and what's attached to the title.

When something flags — an unreleased mortgage, a lis pendens, a municipal lien — we work it out before the closing table rather than after. On new construction, we track notices of commencement and supplier filings so contractor liens don't blindside anyone.

The search itself is invisible when it's done right. That's the point.

Real Estate Closings

From contract to recorded deed.

A closing should be the easy part — a meeting where the work you already did shows up as signatures. That's what we aim for every time.

We coordinate the lender, the real-estate agents, the seller's side, the survey, HOA estoppels, and the wire instructions. We prepare the Closing Disclosure, gather the payoffs, and make sure the figures balance to the dollar before anyone sits down.

Buyers, sellers, agents, and lenders get clear updates at each step. When the file is ready, it's ready — and we'll tell you exactly what's left.

Residential

Single-family, condo, townhouse — the range of Florida home deals.

Most of our work is residential: cash purchases, financed purchases, refinances, second homes, short sales, and foreclosure transactions. Condos and HOAs with their estoppels and governing docs. New construction with its builder affidavits.

We know Pinellas, Pasco, and Hillsborough counties like the back of our hand. Surveys, permits, open permits, code-enforcement liens — we know where to look and what it costs to clear.

Commercial

Multi-party deals, coordinated to the minute.

Commercial transactions come with more moving parts: multiple lenders, entity structures, survey and zoning reviews, environmental reports, tenant estoppels, SNDAs, assignments of leases and rents. We coordinate all of it.

From single-tenant investment properties to multi-use developments, we handle the complexity without letting it slow the closing down. Extended-coverage endorsements, non-imputation, and other commercial-specific policy features are routine work for us.

Builder / Developer

From groundbreaking to the final lot.

Developers and builders need a title partner who can keep up — land acquisition, construction financing, draws, releases, platting, and the long tail of end-unit closings. We've done it from subdivision launches through last-lot sales.

Consistent treatment of notices of commencement, lien waivers, and supplier filings protects your pipeline. Predictable pricing on master policies and end-unit endorsements protects your margins.

Lender Services

Clean closings your compliance team will thank you for.

Banks, credit unions, mortgage brokers, and private lenders rely on us for title clearance, closing coordination, and funding. We read your instructions the first time and follow them. We reconcile to the dollar. Wires go out when they're supposed to.

Post-closing, your policy and documents come back on schedule. Audit-ready files every time.

1031 Exchange

Closing-agent services for like-kind exchanges.

A properly structured 1031 exchange lets an investor defer capital gains by trading one investment property for another of like kind. It's a powerful tool, with strict deadlines and paperwork — the kind of work that rewards experienced hands.

Our role: Surety serves as the closing agent on both sides of the exchange — the relinquished property sale and the replacement property purchase — in close coordination with your Qualified Intermediary and tax advisor.

Surety Title does not act as the Qualified Intermediary and does not offer tax advice on whether an exchange is suitable for your situation. Your QI and CPA handle those roles; we handle the closings.

Have a file to open?

Send us a contract or refinance package and we'll open the file the same day. Questions first? Give us a call.

Start a closing (727) 799-0909