Your trusted local Title Insurance company
Gold Service Title Insurance has been serving the west central Florida region since 1987, same location and same ownership.
Owner and General Manager Mary Ball is well known in the Tampa Bay area for her expertise and knowledge of title insurance and closing practices as well as her dedication to customer service.
Our team are very experienced professionals driven to provide thorough and accurate work delivered in a timely manner. It is this experience and expertise that enables us to anticipate and resolve settlement issues before the closing.
Despite changing economic environments, real estate remains the most valuable asset a family can acquire. Gold Service Title works with buyers, sellers, real estate agents, mortgage brokers and everyone else involved in the purchase of a home.
Privately owned, we are more competitve than the nationwide agencies. Our dedication to customer service sets us apart and ensures satisfaction for the buyer, seller and other parties dependent on a smooth and efficient closing.
We’ll obtain the necessary documents to ensure a quick and efficient transaction.
About us
Gold Service Title At-a-Glance
Professional and highly effective. Trust Gold Service Title to insure your real estate titles. When buying or selling a home, choosing the right title agent is critical. A title is the foundation of real estate ownership, and refers to your legal right to own, use, control, possess, or dispose of a home or property.
Gold Service Title combs through everything, looking for any defects, liens, and judgments against a property. Your free-and-clear ownership is jeopardized if there are any problems with the title, such as a lien filed by someone who worked on the property, unpaid taxes, an easement, an undisclosed claim from an heir of a previous owner, or any number of other possible title defects.
We can help you obtain insurance and peace-of-mind: Protects you, your client, or a lender from prior rights or claims that other parties may have to the property. Protects from any outstanding debts left by previous owners. Pay a one-time premium for a title policy for the duration of ownership.
We have the expertise to guide you carefully through the title insurance process. We will go the extra mile to close the deal and ferret out any possible complications along the way. We do the following: Prepare and obtain title searches Examine titles Notarize documents Prepare and issue title insurance Conduct closings Disburse funds So give us a call today (727) 327-8877.
Offices located
Gold Service Title Insurance
4762 Central Avenue
St. Petersburg, FL 33711-1043
Calculators
Calculator for Florida Title InsuranceThe following calculations are for Title insurance premium rates to be charged by all title insurers in the State of Florida for the respective types of title insurance contracts and policies according to the rules promulgated by the FLORIDA DEPARTMENT OF INSURANCE in THE FLORIDA ADMINISTRATIVE CODE, Chapter 4-186 Title Insurance and Section 627.7825, Florida Statutes for 1-4 Residential. |
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*Be sure to check if you are eligible for a Title Insurance Reissue Credit! |
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Contact us
If you are about to purchase, sell, or refinance any real property in the state of Florida, you'll need the services of a title insurance company. Choose Gold Service Title and rest easy! We offer a courteous, professional approach throughout the entire process. From real estate title search and abstract services to your closing, we can ensure a smooth process.
We close all types of loans, government as well as investor loans. We are able to do title searches and real estate closings in most counties in Florida. Whether you prefer mail-away closings or on-site closings, we are your professional title agent. So what are you waiting for? Give us a call today.
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Our Location
Gold Service Title Insurance
4762 Central Avenue
St. Petersburg, FL 33711-1043
- Telephone: (727) 327-8877
- Email:Gold Service Support
Frequently Asked Questions
What is Meant by Title Insurance?
“Title” is the foundation of ownership property. A Florida title gives you a legal right to possess that property and to use it within the restrictions imposed by authorities or limitations on its use, superimposed on the basic right to possession by previous owners.
What is Title Insurance?
Title insurance is used by home buyers and lenders for protection against back taxes, undisclosed liens, legal judgments, forgeries, fraud and a host of other potential legal/financial problems that can arise when purchasing or refinancing property.
Do I need Title Insurance?
Most definitely! Title Insurance is a means of protecting yourself from financial loss in the event that problems develop regarding the rights to ownership of your property. There may be hidden title defects that even the most careful title search will not reveal. In addition to protect you from financial loss, title insurance pays the cost of defending against any covered claim. There may be liens. Past due association dues and taxes. Short sales and forclosures only make title insurance even more important and necessary.
Why is buying a home so different?
No other property has a useful life that compares with that of land. Owners die, new ones succeed, but land goes on forever. Owners of goods may change their locations at will, but land is immovable, it lends itself to the absorption of innumerable rights. Over the ages, this so impressed lawyers and jurists that they formed a separate body of laws for land. These laws, creating many types of rights in land, are so numerous and so complex it is impossible for there to be a mathematical certainty of ownership.
If the Lender requires Title Insurance won't that protect me?
Not necessarily. There are two types of Title Insurance. Your lender likely will require that you purchase a Lender's Policy. This policy only insures that the financial institution has a valid, enforceable lien on the property. Most lenders require this type of insurance, and typically require the borrower to pay for it.
An Owner’s Policy, on the other hand, is designed to protect you from title defects that existed prior to the issue date of your policy. Title troubles, such as improper estate proceedings or pending legal action, could put your equity at serious risk. If a valid claim is filed, in addition to financial loss up to the face amount of the policy, your owner’s title policy covers the full cost of any legal defense of your title.
What is a title defect?
Anything in the entire ownership of a piece of real estate which may encumber the owner’s right to the “peaceful enjoyment” of the property or which may cause the owner to lose any portion of the property.
Am I protected by my Real Estate contract. It specifies good/ cleartitle?
If anything should happen to defeat the Florida title, your cause of action would be against the seller, and his ability to pay. Attorney’s fees and expenses would not be covered.
My Realtor/ Broker said the title was good. Isn't this good enough?
No one can be sure the title is clean. That's why you need a title company as well as title insurance and a proper and thorough search.
What if I have Title Insurance and there is a problem with the property title or i need to file a claim in the future?
Simply notify the title insurance company and they will defend the title, even if it goes to court. The title company also bears all expenses.
How much does Title Insurance cost?
The one-time premium is directly related to the value of your home. It is a one-time only expense, paid when you purchase your home. Yet it continues to provide complete coverage for as long as you, or your heirs, own the property. Do I need to shop around for the best rates? Florida regulates the premiums for Florida title insurance the are set based upon purchase price. The only costs that may differ would be the actual fees, such as search and examination, closing costs and miscellaneous fees such as wire transfers, FedEx or courier fees and endorsements.
Who pays for which expenses at closing?
Closing costs are customarily, but not always, divided between the buyer and seller, as follows (short sales and foreclosures differ greatly, as do customs in different areas)*:
The Buyer pays:
Recording Fees – Record Deed: $10.00 first page, $8.50 each additional page; Record Mortgage: $10.00 first page, $8.50 each additional page. State Documentary Stamp Tax – $0.35 per $100.00 or fraction thereof based on the amount of the mortgage. Intangible Tax – 2 mils per dollar of exact mortgage amount (approximately $0.20/hundred). Termite Inspection – $45.00 - $65.00. Survey – $225.00 - $500.00. Lender’s Title Insurance Policy – If issued simultaneously with Owner’s Policy, $25.00 in most cases. Refinances – Variable, depending on production of Prior Owner’s Title Insurance Policy. There may be a reissue credit. Please ask Endorsements to Lender’s Policy – If required by Lender, $25.00 and up, depending on type of endorsement. Express Mail - If applicable, charged to the appropriate party. closing fee
The Seller pays:
State Documentary Stamp Tax for Deed of Conveyance – $0.70 per $100.00 or fraction thereof. Municipal Lien Search – $150.00 - $250.00 Owner’s Title Insurance Policy – Based on the sales price. Taxes – Current year’s real estate taxes are prorated at closing. Title Search and Closing Fee
Links to all Florida Property Appraisers
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