Buyers & sellers

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Real Estate Closings

Jacksonville Closing Attorneys

Despite what you might think, buying or selling your home does not have to be a complicated process. Yet , many buyers and sellers feel intimidated by a lack of legal knowledge when they encounter closing documents. As lawyers and experienced title professionals, we work closely with our clients to demystify the process, answer any questions they may have, and ensure that their real estate transaction proceeds as smooth as possible.

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What Does A Real Estate Closing Attorney Do?

Our office only allows Attorney's to facilitate every step of the transaction as an added layer of protection.

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Title examination

Whether you are a buyer or a seller, a clear title is critical in a real estate transaction. Before closing we will conduct a title examination, which includes evaluating any restrictions, easements, encroachments, and any other factors limiting the seller’s ability to transfer ownership. In addition, we will look at mortgages on the property and determine if any mortgages must be satisfied before closing can occur. If there are any concerns about the status of title, we will address them with you during this process.

Title Insurance

Title insurance protects buyers in the event that there is a problem with the title to the property in the future. Once we have conducted a title examination, we will provide a title commitment through our underwriter about the status of the title. If accepted, we will issue a title commitment, which contains the terms, conditions, and exclusions that will be included in your insurance policy. The title commitment also operates as a “to-do list” of things that we will need to clear and satisfy in order to insure a clear title to the property. Once all steps have been completed and all documents have been recorded, the title policy will be issued.


There are many parties involved in a real estate transaction, and even more moving parts. As closing attorneys, it is our job to coordinate all of these moving pieces to ensure that the transaction is closed as efficiently as possible. Open and timely communication is essential for a successful closing. We pride ourselves on prompt attention to your needs, ensuring that all parties are notified as we prepare the settlement statement, coordinate important dates and document signatures, and confirm available funds needed for closing.

Record & Disburse funds

Once closing occurs, we record and disburse funds. We finalize all necessary documents, prepare the final title policy and handle any matters that are still pending post-closing.

Frequently Asked Questions About Buyers & Sellers


What is a Title?

A title is a document that defines the legal owner of a piece of real estate property. It gives a person the right to occupy, use, transfer interest, or modify the property how they see fit. When you buy a property, you pay for the title of that property, and an individual or entity may dispute the title during real estate transactions based on past claims and rights.

Paying for a title examination is essential before purchasing or selling a property. A Jacksonville closing attorney can perform a title examination, including evaluating easements, encroachments, and restrictions, to identify concerns and work with you to address them.


How Does Title Insurance Work?

Title insurance is a policy that protects property buyers and sellers from financial loss that may occur due to title defects. For example, suppose someone makes a claim against your property. In that case, this policy will, in compliance with the terms of your insurance coverage, provide legal protection and cover all court fees and related costs.

A title also protects against anything else filed against the title, such as outstanding conflicting wills, liens, forgery, and back taxes. So, if a claim is valid, it assures you of compensation for your losses up to the face value of the title insurance coverage.

How Much Does Title Insurance Cost?


The total cost of title insurance depends on the property's buying price, and its premiums are paid only at closing. The Florida state government of financial services sets the price of title insurance. Thus, the average insurance cost can range from $500 to $1,500, depending on various factors, including the property's location and former insurance. You can determine your title costs using promulgated rates provided by the state government:

  • $5.75 per $1,000 of liability not exceeding $100,000
  • Additional $5.00 per $1,000 of liability ranging from $100,000 to $1,000,000
  • Additional $2.50 per $1,000 of liability ranging from $1,000,000 to $5,000,000
  • Additional $2.25 per $1,000 of liability ranging from $5,000,000 to $10,000,000
  • Additional $2.00 per $1,000 of liability more than $10,000,000

What are the General Closing Cost Responsibilities?


Buyer's Costs

  • Survey
  • Inspection costs
  • Homeowner's insurance
  • Lender's attorney fees
  • Homeowners' Association (HOA) charges
  • Probate condo/HOA fees
  • Real property tax proration
  • Recording charges (Deed, HOA approval)
  • Document preparation
  • Environmental report
  • Doc stamps on mortgage
  • Escrow (mortgage insurance, taxes, and condo/HOA expenses)
  • Title service
  • Loan discount/ points
  • Simultaneous issue mortgage title insurance
  • Intangible tax on mortgage

Seller's Costs

  • Owner's title insurance policy
  • Title search
  • Real estate sales commission
  • Doc stamps on deeds
  • Closing/settlement fee
  • Home warranty
  • Homeowners Association estoppel fee
  • Taxes
  • Lender fees

Closing Cost Estimator

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We couldn't be happier with the work that Christina at Atlantic Coast Title and Escrow put into making our home closing process as smooth as possible!

Jodie Montalto

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Very professional people.  It was a pleasure to work with them.

Jennifer Weir

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Both Maria and Christina were very pleasant. The response timing was impeccable. I was very impressed with the quality of work and professionalism. I’d recommend Atlantic Coast Title & Escrow to anyone, and I’m looking forward to working with them again.

Ciara Napoleon

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We had a great experience with Atlantic Coast Title.  Christina was so knowledgable and pleasant to work with.  She went out of her way to accomodate us, while we navigated through some stressful days.  I would highly recommend Atlantic Coast Title.

C League

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María and Christina walked me thru the entire process and made it super easy for me to walk-in explain the paperwork and walk out. Great team and a pleasant closing process. Thank you so much! Highly recommend them if you’re looking for a smooth closing process.

Amado Vazquez

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Maria was an absolute pleasure to work with. She was always very prompt on answering any questions or concerns we had. She went above and beyond to accommodate our needs. I cannot believe how smooth everything went thanks to her. Maria will provide you the same exceptional service.

Gina Stricklin

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Christina made the process super easy & smooth for us! She was attentive & answered all of our questions in-person & through emails. We’re so happy we re-financed our house in Jacksonville Beach with them & definitely would recommend to anyone.

Rebecca Gray

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Maria responded to my texts and emails immediately and at all hours of the day and night that I sent them.  She made sure my mortgage servicer (WF) got their act together and sent her the documents timely for our closing.  She also made things as easy as humanly possible for us and I cannot thank her enough for all of her efforts and hard work.

Irroc H.

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Hands down the best title company in Jacksonville. They are highly knowledgeable, dedicated to customer service and go above and beyond! If you need a title company to handle your real estate transaction, they are your only choice!

Allison Chance

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Maria and Christina care so much about their clients! I highly recommend them to anyone looking for help with real estate transactions!

April Roberts

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"Maria has been a great resource and wealth of information.  As a landlord and real estate broker a good real estate attorney is a necessity.  I would highly recommend Maria and her team for title service and real estate attorney needs!"

Aaron C.

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"Always prompt! Always the highest quality of work and the customer service is remarkable!"

Karole Reeves Hart

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"Maria Coutu at Atlantic Coast Title & Escrow, was highly professional and knowledgeable. She had the legal expertise to handle any questions and concerns I had through the whole process from start to finish on my first new home."

Alejandro Santamaria

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