Our Most Frequently Asked Questions

What is Title Insurance?

Title Insurance protects you against losses due to defects in the title to the property and expenses in legal defense.

Your ownership is authenticated and will be promptly defended against any claims in court, if necessary at no cost to you, whether a claim is valid or not. 

If a valid claim is made against your title as covered by your policy, the title insurer protects you by bearing the cost of settling the claim should it prove valid, in order to protect your title and keep you in possession of your property or mortgage.

What is a Title Search?

A title search is a detailed examination of the historical records concerning a property. These records include deeds, court records, property and name indexes, and many other documents. The purpose of the search is to verify the seller’s right to transfer ownership, and to discover any claims, defects and other rights or encumbrances on the property.

What is Florida's Promulgated Rate?

The Florida Department of Insurance regulates the rates that title insurers can charge consumers.

The Florida Promulgated Rates for an owner’s policy are as follows:

  • $5.75 per $1,000 of value for the first $100,000.00
  • $5.00 per $1,000 of value thereafter for purchase prices up to $1,000,000.00

Please contact us for rates for owners or mortgage policies above $1,000,000.00.

What is Re-Issue Credit?

If the property that is being sold is improved property and the seller has owned this property three years or less and has a copy of their owner’s policy, then the seller will be given re-issue credit up to the amount of his/her policy. If the property that is being sold is unimproved property, or if the property is being refinanced there is no time limit; this credit will be given based on the value of the current owner’s policy.

The Re-Issue Rates for an owners or mortgage policies are as follows:

  • $3.30 per $1,000.00 of value for the first $100,000.00
  • $3.00 per $1,000.00 of value thereafter for purchase prices up to $1,000,000.00

Can a Married Person Purchase Property Individually?

Yes, in Florida a married person can acquire (purchase) and convey (sell) property individually. However, Florida Law states that in the case of homestead property (primary residence), the spouse must join in the conveyance or mortgage, even if that spouse is not on the title to the property.

How Do I File for Homestead? Duval County

You must file by March 1st ! When can I file?You can file for the Homestead Exemption as soon as you receive your recorded warranty deed from us (within 4-6 weeks.)Where do I go file in person?Property Appraiser’s Office

231 E. Forsyth Street, Suite 260

Jacksonville, FL 32202

Where do I go to file online?

http://www.coj.net/departments/property-appraiserexemptions.aspx

What documents do I need?

  • Your recorded Deed or Tax Bill
  • Florida Driver’s License (Must update with new property address prior to filing)
  • Permanent Resident Card (Non-US Citizen)
  • Vehicle Registration (Must update with new property address prior to filing)
  • Social Security Number
  • Duval County Voter Registration ID (Must update with new property address prior to filing)

How Do I File for Homestead? Clay County

You must file by March 1st ! When can I file?You can file for the Homestead Exemption as soon as you receive your recorded warranty deed from us (within 4-6 weeks.)Where do I go file in person?County Administration Building

477 Houston St.

Green Cove Springs, FL 32043

or

Tax Collector’s Office – Park Avenue Branch

1518 Park Ave.

Orange Park, FL 32073

Can I file online?

No, at this time Clay County does not offer a feature to file online.

What documents do I need?

  • Your recorded Deed or Tax Bill
  • Florida Driver’s License (Must update with new property address prior to filing)
  • Permanent Resident Card (Non-US Citizen)
  • Vehicle Registration (Must update with new property address prior to filing)
  • Social Security Number
  • Clay County Voter Registration ID (Must update with new property address prior to filing)

How Do I File for Homestead? Saints John’s County

You must file by March 1st ! When can I file?You can file for the Homestead Exemption as soon as you receive your recorded warranty deed from us (within 4-6 weeks.)Where do I go file in person?Property Appraiser’s Office

4030 Lewis Speedway, Suite 203

Saint Augustine, FL 32084

Where do I go to file online?

http://hx.sjcpa.us/applyonline/webform1.aspx

What documents do I need?

  • Your recorded Deed or Tax Bill
  • Florida Driver’s License (Must update with new property address prior to filing)
  • Permanent Resident Card (Non-US Citizen)
  • Vehicle Registration (Must update with new property address prior to filing)
  • Social Security Number
  • St. John’s County Voter Registration ID (Must update with new property address prior to filing)
  • Address of owner(s) who do not reside on the property

How Do I File for Homestead? Nassau County

You must file by March 1st ! When can I file?You can file for the Homestead Exemption as soon as you receive your recorded warranty deed from us (within 4-6 weeks.)Where do I go file in person?James S. Page Governmental Complex

96135 Nassau Place, Suite 4

Yulee, FL 32097

or

Historical Courthouse

416 Centre Street

Fernandina Beach, FL 32034

or

Callahan County Building

45401 Mickler Street

Callahan, FL 32011

Where do I go to file online?

http://www.nassauflpa.com/file-for-homestead

What documents do I need?

  • Your recorded Deed or Tax Bill
  • Florida Driver’s License (Must update with new property address prior to filing)
  • Vehicle Registration (Must update with new property address prior to filing)
  • Permanent Resident Card (Non-US Citizen)
  • Social Security Number
  • Nassau County Voter Registration ID (Must update with new property address prior to filing)
  • Tax Bill showing no other Homestead Exemptions

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