Serving Panama City, 30A, & Beyond

Providing Clarity in Title & Escrow

We are focused on making every transaction a smooth and stress-free experience

Here are some of the ways we do it:

+ Prompt and Clear Title Commitments

+ Thorough & Efficient Communication

+ Knowledgeable and Professional Team

+ Comprehensive Title Searches

+ Proactive Problem Solving

+ In-House Closing Attorney

+ Full Service on Every Transaction

+ Contract Upload Capability or Drop Off

Who we help

Buyers

When you work with us, you can rest assured we will protect your investment and give you peace of mind that your ownership is free and clear of any issues.

Sellers

Our team will prepare all the necessary closing documentation to make the transaction as smooth as possible for you and the buyer.

Realtors

As your working partners, our team understands the importance of clear and prompt communication throughout the closing process.

Lenders & Brokers

Whether it is a refinance, HELOC, or construction loans, our team will work with you and your borrower to insure a smooth transaction.

Comprehensive Title Solutions

Title Searches

Clear Title offers comprehensive title search services to ensure that the property you are interested in is free from any liens, encumbrances, or legal issues. Our experienced team meticulously examines public records to provide you with a clear and accurate title report.

Title Insurance

Protect your investment with title insurance from Clear Title. Our policies provide coverage against any unforeseen defects in title that may arise, giving you peace of mind throughout the entire transaction process. Contact Clear Title Ins team to know more.

Escrow Services

Facilitate a smooth and secure closing process with Clear Title's escrow services. We act as a neutral third party to hold funds and important documents until all conditions of the transaction are met, ensuring a fair and timely exchange between the buyer and seller.

Closing Services

Our team of professionals oversees the closing process to ensure that all necessary documents are properly executed and recorded. We work diligently to coordinate with all parties involved, making the closing experience as seamless as possible for our clients.

Title Policy Review

Clear Title offers thorough review services for title policies to ensure that they accurately reflect the terms of the transaction and provide the necessary protection for our clients.

Consultation & Support

Have questions or concerns about your title or escrow needs? Our knowledgeable staff is here to provide personalized consultation and support every step of the way.

Your Title & Escrow Partner


At Clear Title and Escrow, we provide extra resources for our clients. We offer classes and training, sponsor Real Estate events, create monthly sales meetings, and schedule open houses. To find out more about our upcoming events, reach out to our team.

 Frequently Asked Questions

  • Title insurance is a form of indemnity insurance predominantly found in the United States that insures against financial loss from defects in title to real property and from the invalidity or unenforceability of mortgage loans. There are two types of policies – owner and lender.

  • In Florida, it varies per county and can be negotiated in the contract. Generally, the owner’s title insurance and the title/closing company in most Florida counties will be taken care of by the seller, while the loan policy is paid for by the borrower.

  • Title examination searches all public records in the county to provide a “clean” title upon conveyance.

    Historical deeds are examined to confirm a proper “chain of title”. This important step makes sure that each person before you had the legal right to sell the property. In this step the legal description of the property is verified on all previous transfers as well.

    The title examiner will review all recorded mortgages and other encumbrances. The title examiner will determine which documents have been satisfied and which ones are still outstanding. Before transferring title all encumbrances must be satisfied in a manner that is compliant with Florida’s Real Property Title laws.

    Some personal judgments can attach to property such as, delinquent child support, student loans and unpaid credit cards.

    Unrecorded liens are the most common. These liens include water bills, code violations, or any other lien that may not be recorded. The “Marketability” of title will be affected by these unrecorded liens.

  • Depending on the contract, time frames will vary. Closings involving cash can happen in as little as a few days, whereas it can take 30-45 days for a closing involving a mortgage.

  • Escrow is a legal arrangement in which a third party temporarily holds large sums of money or property until a particular condition has been met (e.g., the fulfillment of a purchase agreement).

  • Settlement is a brief process in which all of the necessary paperwork needed to complete the transaction is signed. House closing is typically held in an office setting, sometimes with both buyer and seller at the same table, sometimes with each party completing their papers separately. Whatever the case, the result is that title to the property is transferred from seller to buyer. The buyer receives the keys, and the seller receives payment for the home. From the amount credited to the seller, the closing agent subtracts money to pay off the existing mortgage and other transaction costs. Deeds, loan papers, and other documents are prepared, signed, and filed with local property record offices.