Common Questions

How much will it cost?

Fees for title search are both competitive and consistent. Because of the idiosyncracies of some searches, precise fee schedules are difficult to post. For example, searches requiring greater detail or travel outside a metropolitan area may include the cost of travel. Please contact BGT at info@bluegranitetitle.com or phone us at (803) 422-5719.

What is the normal turn around time?

Most of our report types are delivered within 2 to 3 business days from request. Foreclosure searches and commercial searches take longer and can usually be returned in 5 to 7 business days from time of request.

Do you have Errors and Omissions insurance?

Yes, we carry $1,000,000 in error and omissions coverage.

How much experience do you have?

We have over 30 years of experience.

What is a title search and what is the standard number of years for which a title should be searched?

All legal documents pertaining to real estate ownership, mortgage liens, judgments, easements, etc. are maintained in South Carolina by either the Clerk of Court or the Register of Deeds at the local county courthouse. All documents are sent to these offices for a procedure known as recording. Recording is considered public notice of a right or a claim. A title search is a name given to the research of public records conducted to determine ownership, and to locate any mortgage liens, or other liens recorded against the property or the owners.

There are several types and levels of title searches. There are those that are more comprehensive, such as a 60-year search, which require additional research and are more inclusive of additional data. Others, such as a simple property check or a record owner, are less in scope and are less comprehensive.

The standard number of years for a full residential title search is 40 years and 60 years for a full commercial title search.

Why would I want to use a firm like Blue Granite Title rather than an online service that displays lower fees?

There are many reasons--extensive experience, attention to detail, understanding of the variances from county office to county office, to name a few. Abstracting sweatshops often engage abstractors just months out of training with limited knowledge of the type or location of exceptions. They do not know what to look for in more complicated titles. Moreover, they pay them a low fixed fee for their time, encouraging them to taking shortcuts to make their work even slightly profitable. While it's your call, if I was insuring a title, I'd want to know I had the most reliable examination possible.

Is there a charge if the property cannot be found?

Yes. When the property requested to be searched cannot be found of record in the county provided by our client, Blue Granite Title will contact you, advise of the unfound record and request any additional information that may be available. If the property records still cannot be located in that county, a fee is charged for the time spent in researching the information provided. The fee is referred to as a “No Find Fee”.

Can I obtain copies if I do not know the Book, Page or Instrument Number of the document?

Yes. By providing specifics about the document in question, a search will be done to determine the identifying numbers and the document copies provided to you.

What counties do we focus on?

We focus on the Midlands of South Carolina, including Richland and Lexington counties but can search other counties in the state with incremental fee for time and travel.

How are the results of the search returned?

We can send our computer generated title report to you via fax, email, overnight delivery, or standard U.S. mail. All of our reports are typed and professionally formatted to eliminate any problems often caused by hand written reports.

Who do I contact BGT about my search request?

You can contact us at our office by telephone at (803) 422-5719 or email us at titles@bluegranitetitle.com. Our team is here to assist you in any way possible.

 

 

 

 

P.O. Box 2724, Columbia, SC 29202
(803) 422-5719 | Phone
Titles@BlueGraniteTitle.com

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