A title company acts as a neutral third party that manages the closing process from start to finish. We conduct the title search, issue title insurance, prepare closing documents, collect and disburse funds, and record the deed with the county. At Title & Key, we handle all of this so buyers, sellers, and agents can close with confidence.

Florida has state-regulated (promulgated) title insurance rates, so every licensed title company charges the same premium for the same coverage. The rate starts at $5.75 per $1,000 of coverage for the first $100,000 and decreases on higher amounts. In most Florida contracts, the seller pays for the buyer's owner's policy — making it one of the best-value protections in the transaction. Buyers often pay in the Sarasota area.

Yes. Florida law permits remote online notarization (RON), and we also offer mobile closing services where we come to you. This is especially common for snowbirds, out-of-state investors, and buyers purchasing Sarasota vacation properties from afar.

Most residential closings take between 60 and 90 minutes at the table. The full process — from opening title to closing day — typically runs 30 to 45 days for a financed transaction, or as few as 10 to 14 days for a cash deal.