Title Process In Knoxville
Whether you’re buying your first home, selling a property, or refinancing, you’ve likely been told that the title process is an essential part of closing. But one of the most common questions we get at Speck Title is:
“How long does the title process actually take?”
The short answer: anywhere from a few days to two weeks, depending on a variety of factors. Let’s break down what’s involved and what can affect the timeline, so you know what to expect during your real estate transaction in Knoxville.
Step 1: Title Search (1-3 business days)
The process begins with a title search, where we dig through public records to confirm legal ownership and identify any issues (or “clouds”) on the title, such as liens, unpaid taxes, judgments, or missing signatures from previous sales.
In Knoxville and Knox County, this step typically takes 1 to 3 business days, assuming there are no complications.
Step 2: Title Examination & Commitment (1-2 days)
Once we’ve pulled the records, our title professionals review and certify the results. If the title is clear, we issue a title commitment, which is a formal promise to issue title insurance after closing.
This part can move quickly, often within a day or two, especially when working with an experienced team like ours.
Step 3: Resolving Title Issues (Varies)
If we find issues during the search like a lien that wasn’t satisfied or an error in the legal description, those need to be resolved before you can close. Depending on the severity, this might add a few days to several weeks to the process.
Common title issues in the Knoxville area include:
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Unreleased deeds of trust from previous mortgages
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Property boundary disputes in older subdivisions
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Probate issues when a deceased owner didn’t leave a will
Step 4: Title Insurance Issuance & Closing Coordination (1-3 days)
Once the title is clear, we issue the title insurance policy and work with the buyer, seller, realtors, and lenders to coordinate a smooth closing. This typically takes 1 to 3 business days.
Total Timeline & How To Keep Things Moving
The general breakdown of how long the phases can take can typically range from 5-15 business days.
At Speck Title, we know that time matters—especially in today’s competitive Knoxville housing market. Here’s how you can help avoid delays:
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Respond quickly to requests for documents or signatures
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Work with experienced realtors and lenders
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Choose a local title company that knows the area (that’s us!)
Final Thoughts
While the title process might seem like a small step in your real estate journey, it’s one of the most important, and it doesn’t have to be stressful or slow. At Speck Title, we pride ourselves on being proactive, responsive, and thorough, so your closing stays on schedule.
Have a question or need help with your upcoming closing in Knoxville? Contact Speck Title today, we’re here to help make it simple.