Florida Real Estate Blog

Deed, when can I expect it? The Deed to your property is one of the most important documents you have and yet so many of us have no idea where it is. The Deed and your Title Insurance are what protect your ownership of property. So when do you get them? At the time of closing you will get a copy of the Deed (not the real one, the real one will come 30 to 60 days later after it has been recorded in the county records)

At the closing you will also have a copy of your commitment to provide Title Insurance. Again it is not Title Insurance it is just a commitment to provide it. The actual policy should come once your deed is filed. If you do not have them you must locate them. I would suggest going back to the Title Company or Attorney that handled your closing. They should be able to assist you in this matter.

So what happens if my deed is not filed with the county? Well the previous owner can sell the property again as in the case of Rice v. Greene back in June 25, 2004. Buyer #1’s deed never was filed and the Seller sold the home again to Buyer #2. When Buyer #1 found out they sued and lost the case. Since Buyer #2 Deed was filed before Buyer #1.

Make sure you have your Title Insurance and Deed and your ownership will never be in jeopardy.