Business Details
Your Trusted Partner for Title Insurance and Real Estate Closings in Pensacola
Clear Title is a full-service title and closing company dedicated to providing residential real estate clients with accurate, efficient, and professional services. With decades of combined experience, our team specializes in title insurance, real estate closings, title searches, escrow services, and 1031 exchanges. Led by Board-Certified Real Estate Attorney Stephen R. Moorhead, we leverage advanced technology and industry expertise to streamline transactions while maintaining strict compliance with legal standards. Our three convenient locations in Northwest Florida serve homeowners, buyers, sellers, agents, and lenders.We prioritize transparent communication, personalized service, and error-free documentation to protect clients' interests throughout the closing process. Our management team oversees operations to ensure timely completions, while our cloud-based systems provide secure document access. Clear Title's comprehensive approach includes handling all phases of closings, from initial agreements to post-closing finalization.
Services
Title Insurance
Title Searches
Real Estate Closings
Escrow Services
1031 Exchanges
Highlights and features
- Board-certified legal expertise in real estate transactions
- Three decades of combined experience in residential closings
- Efficient cloud-based document management technology
- Three convenient locations serving Northwest Florida
- Comprehensive services covering all closing phases
What people say
Great communicators
Professional and efficient
Friendly team
Amazing job
Highly recommend
Services
Title Insurance
Title insurance safeguards buyers and lenders against financial loss from title defects. Our partnerships with major underwriters ensure comprehensive coverage for issues like liens, fraud, or recording errors. We manage the entire process from quote to policy issuance at closing.
Title Searches
Our professionals examine public records to identify title issues before closing. We offer discounted searches through trusted providers and help interpret results to resolve potential problems proactively.
Real Estate Closings
We handle all aspects of residential closings including document preparation, fund disbursement, and final filings. Our experienced agents ensure accurate execution of paperwork while maintaining compliance with state regulations and lender requirements.
Escrow Services
We securely hold earnest money deposits in escrow until transaction conditions are met. This service protects both buyers and sellers by ensuring funds transfer only when all contractual obligations are satisfied.
1031 Exchanges
Our experts facilitate tax-deferred property exchanges under IRS Section 1031. We provide documentation support and compliance guidance to help investors maintain continuous investment status while deferring capital gains taxes.
People
Stephen R. Moorhead
Board-Certified Real Estate Attorney/Owner and CEO
With over 30 years of real estate law experience, Stephen leads Clear Title's legal operations. He specializes in title issues, closings, and 1031 exchanges, combining legal expertise with practical transaction management.
Pennye Putman
Licensed Title Insurance Agent/COO
Pennye oversees daily operations and title insurance services. Her expertise in powers of attorney and real estate documentation ensures compliance with legal requirements during property transactions.
Nikki Clardy
CFO
Nikki manages financial operations, ensuring transparent billing practices and proper handling of escrow funds during real estate transactions.
Ashley Clark
Licensed Title Agent
Ashley assists with title verification and closing processes, known for her friendly approach that helps first-time homebuyers feel comfortable during transactions.
Drew Hardgrave
Real Estate Professional
While not a direct employee, Drew's testimonial highlights Clear Title's communication excellence, reflecting the team's commitment to client satisfaction through multiple closing locations.
Questions
Is title insurance necessary for home purchases?
While not legally required, title insurance protects buyers from unforeseen title defects and is typically mandatory for financed purchases.
What documents are needed for a real estate closing?
We prepare all necessary documents including loan agreements, deeds, and government forms after collecting required information from all parties.
How does your escrow service benefit buyers and sellers?
Our escrow service securely holds earnest money deposits until closing conditions are met, protecting both parties' interests.
Can you explain the 1031 exchange process?
We help property investors defer capital gains taxes by facilitating like-kind exchanges with proper documentation and compliance.
Who typically pays for title insurance in Florida?
Responsibility varies by county and is negotiable between buyer and seller, subject to loan program requirements.
