Commerce Title Services, Inc.

About Us

Cozy outdoor patio with wicker furniture and fireplace overlooking a pool.

At Commerce Title Services, we realize your home is your most valuable asset. We understand the stress associated with purchasing or refinancing a home and are available to answer any questions you may have regarding your settlement.

When purchasing a new home or refinancing an existing mortgage, do you know what transpires from the time of application to the day of closing? Our staff of experienced professionals will guide you through the process and ensure you are protected against adverse title claims or risks.

Why Title Insurance?

What Does Title Insurance Protect From?

Owning real estate is one of the most precious values of freedom in this country. You want the assurance that the property you are buying will be yours. Other than your mortgage holder, no one else should have any claims or restrictions against your home.

Title insurance is issued after a careful examination of the public records. But even the most thorough search cannot absolutely assure that no title faults are present, despite the knowledge and experience of professional title examiners. In addition to matters shown by public records, other title problems may exist that cannot be disclosed in a search. Title insurance eliminates any risks and losses caused by faults in title from an event that occurred before you owned the property.

Title insurance is different from other types of insurance in that it protects you, the insured, from a loss that may occur from matters or faults from the past. Other types of insurance such as auto, life, or health cover you against losses that may occur in the future. Title insurance does not protect against any future faults, but does protect you from risks or undiscovered interests. Another difference is that you pay a one-time premium for a policy that remains effective until the property is sold to a new owner - even if that doesn't occur for decades.

What Does Title Insurance Protect From?

Undisclosed heirs

Forged deeds, mortgages, wills, releases and other documents

False impersonation of the true land owner

Deeds by minors

Documents executed by a revoked or expired Power of Attorney

False affidavits of death or heirship

Probate matters

Fraud

Deeds and wills by persons of unsound mind

Conveyances by undisclosed divorced spouses

Rights of divorced parties

Deeds by persons falsely representing their marital status

Adverse possession

Defective acknowledgements due to improper or expired notarization

Forfeitures of real property due to criminal acts

Mistakes and omissions resulting in improper abstracting

Errors in tax records

Privacy Policy

Thank you for visiting Commerce Title Services, Inc.'s (“CTS”) Website and reviewing our privacy policy. Your privacy is of great importance to us and our Website has been developed with that in mind. We recognize your right to know what information is being collected about you and how that information will be used. While information is the foundation of our ability to provide exceptional service, our most important asset is our customers' trust. CTS is committed to protecting your privacy rights when using the CTS service. Our privacy policy may be updated from time-to-time and you should check this page periodically for any changes.

The CTS Website will contain personally identifiable information (name, e-mail address, or other unique identifier) only if specifically, and knowingly provided by you. In some cases, the personally identifiable information you provide will be used to merely respond to your electronic inquiry and will not be maintained. In other cases, the personal information is necessary to provide you with the CTS service.

Access to your personal information on the CTS Website is password protected. We recommend that you not divulge your password to anyone. By not sharing your password, you will prevent others from accessing your personal information.

If you do nothing during your visit but browse through the Website and read the information contained on the Web pages, we will gather certain information about your visit automatically. This information does not identify you personally. We automatically gather the Internet domain (for example, "companyx.com" if you use a private Internet access account, or "myschool.edu" if you connect from a university's domain) and IP address (an IP address is a number that is automatically assigned to your computer whenever you are surfing the Web) from which you access our Website, the date and time you access our site and the pages you visit.

CTS utilizes cookies solely for security and authentication purposes between CTS and you. The transmission of this cookie is made from CTS to you in an encrypted manner. CTS does not utilize cookies in any way to collect or gather any information pertaining to your Internet use, trends, tendencies, habits, or sites visited.

If you send an electronic mail (e-mail) message that includes personally identifying information, for example, in an e-mail message containing an inquiry, we will use that information to respond to your inquiry. In addition, in some cases, it may be used to send you follow-up information about products and services in which you have expressed an interest. Remember that e-mail is not necessarily secure against interception. If your communication is very sensitive, or includes information such as your bank account, charge card, or social security number, you should send it by mail unless our Website indicates the site is secured.

Where our Website allows you to use services or request information electronically, we will collect the information needed to fulfill your order or request, just as though your order or request had been made on paper. That information will be secure in transit to us and once received.

Websites that are provided and maintained exclusively by the third-party vendors are not subject to this privacy policy. Please review the third parties' privacy policy to understand their personal information handling practices. We make no representations concerning the privacy policies of these third-party Websites.

We do not sell customer lists or pass on other personal information to third party advertisers.

We may disclose any personal information if required or permitted to do so by law or in the good-faith belief that such action is necessary to (a) comply with legal processes served on us or otherwise comply with the law; (b) protect and defend our rights or property or the rights or property of CTS's users, and (c) act under exigent circumstances to protect the personal safety of CTS's users or the public.

The CTS Website is intended for exclusive use by adults with a bona fide interest in marketing services in the real estate area. CTS does not knowingly collect any personal information from or about a child without the consent of the child's parent or legal guardian. By using the CTS Website, the user is representing that he or she is an adult or has permission from a custodial parent or legal guardian to use the Website.

If you would like to contact us with questions or comments concerning our privacy policy, or if you believe that CTS has not adhered to this privacy statement, please notify us by contacting the following:

Commerce Title Services, Inc.

Attn: Privacy Policy

218 Apollo Beach Blvd

Apollo Beach, FL 33572