Florida Land Title and Trust

What Florida Land Title and Trust does

Florida Land Title and Trust Company, Inc. is a privately held, family-owned abstracting and title insurance agency founded in 1906 in Marianna, Florida, and currently operated by the Kunde family in its second generation of ownership. The company issues title insurance policies underwritten by First American Title Insurance Company and provides escrow and closing services for residential and commercial real estate transactions across Northwest Florida, operating from a headquarters in Marianna and a secondary office in Chipley opened in 2009. Its core differentiator is the in-house title plant covering 120+ years of Jackson County land title records, which the company states is the only such plant in the county and which supports its abstracting, title search, and escrow functions.

The firm's product surface is concentrated in four offerings: title insurance, residential closings, commercial closings, and escrow and settlement services, with commercial work spanning buildings, multi-family units, vacant land, land development, construction closings, 1031 exchanges, and leasehold agreements. All revenue is transaction-based, generated per closing through title insurance premiums, escrow fees, and settlement service charges, with the underlying underwriting risk carried by First American. The company is a charter member of both the American Land Title Association and the Florida Land Title Association and adheres to ALTA Best Practices and Florida Department of Financial Services standards.

Go-to-market is sales-led and relationship-driven, built on local community presence, referrals from area real estate agents, lenders, and attorneys, sponsorship of local real estate events, and a small digital footprint via the company website. Secure remote closing options are offered statewide, extending the firm's reach beyond its two physical offices. The company has only had three owners in its 120+ year history and operates with a small team of named professionals led by Van Kunde (President), Richard Kunde (Vice President), Susan Kunde (Secretary/Treasurer), Andrea Baldwin (Real Estate Settlement Agent), and Caleb Wiggins (Licensed Title Insurance Agent/Abstractor, joined 2023).

Name

Florida Land Title and Trust

Legal name

Florida Land Title and Trust Company, Inc.

Website

https://floridalandtitle.com

Company type

Private

Founded year

1906

Operating status

Operating

Headcount range

11–50 employees

Short description

Florida Land Title and Trust is a family-owned title insurance and escrow agency serving Northwest Florida from offices in Marianna and Chipley. It underwrites through First American and operates the only in-house 120-year title plant in Jackson County.

Ownership category

akta.pro rank

Product category

Title Insurance

NAICS

Direct Title Insurance Carriers (524127), Title Abstract and Settlement Offices (541191)

SIC

Title Insurance (6361)

akta.pro primary industry

Title Insurance & Underwriting (BPAJAOAA)

akta.pro secondary industries

Abstracting Services (Title Abstracts) (BPAJAOAC), Title Search & Examination (BPAJAOAB), Document Preparation & Recording Services (Deeds, Liens) (BPAJAOAG), Title Insurance (FSAJACAL)

Keywords

• Title insurance services
• Escrow settlement services
• Residential real estate closings
• Commercial real estate closings
• Title abstracting

Headquarters

HQ city

Marianna

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Technology or R&D, Marketing or Sales, Infrastructure

Revenue model

1. Title Insurance: Issuing title insurance policies to protect property owners and lenders from financial loss due to title defects, liens, or legal disputes. Policies are underwritten through First American Title Insurance Company.
2. Escrow & Settlement Services: Neutral third-party escrow services including secure handling of deposits and closing funds, detailed accounting and reporting, and compliance with Florida escrow and settlement regulations.
3. Closing Services: Residential and commercial closing services including document preparation, review of closing documents, coordination with lenders, real estate agents, and attorneys.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

Florida Land Title and Trust provides title insurance policies, escrow and settlement services, and closing services for residential and commercial real estate transactions in Northwest Florida. The company issues title insurance underwritten by First American Title Insurance Company and operates its own in-house title plant containing over 120 years of Jackson County land title records. Services are delivered through two office locations in Marianna and Chipley, with secure digital remote closing options available statewide.

Product overview

Florida Land Title and Trust offers a unified suite of title and closing services for residential and commercial real estate transactions in Northwest Florida. The company's core offerings include Title Insurance (issuing policies through First American Title Insurance Company as an underwriter), Residential Closings, Commercial Closings, and Escrow & Settlement Services. The company operates its own in-house title plant documenting over 120 years of land title history, enabling comprehensive title searches and property record research. All services are delivered through two physical office locations in Marianna and Chipley, Florida, with secure digital remote closing options available statewide.

Differentiator

Problem solved

Functional benefit

Products and services

• Residential Closings

Quantifiable outcome

• Secure remote closing options available statewide
• +1 more outcomes

Named customers4 records

Segments3 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Three partnerships are on record, tiered core.

• First American Title Insurance CompanycoreTechnology or IntegrationFlorida Land Title and Trust Company is licensed to insure the title of property for First American Title Insurance Company, one of the largest title insurance underwriters in the country. This licensing relationship allows the company to issue title policies underwritten by First American.
• American Land Title Association (ALTA)coreOthersFlorida Land Title and Trust Company is a charter member of the American Land Title Association, the national trade association for the title insurance industry.
• Florida Land Title AssociationcoreOthersFlorida Land Title and Trust Company is a charter member of the Florida Land Title Association, the state-level trade association for title insurance companies operating in Florida.

Scale indicators2 records

Recent moves7 records

Expansion highlights5 records

Emerging players

• Title365: Title365 is a tech-enabled title and escrow platform offering national digital closing services. It directly overlaps with Florida Land Title's recent remote-closing capability and competes for lender-direct title production.
• Snapdocs: Snapdocs is a digital closing network used by lenders and title agents to coordinate eClosings and remote online notarization. It targets title agencies like Florida Land Title as customers and competes on remote-closing technology.
• PropLogix: PropLogix is a national title research and curative vendor serving title agencies and underwriters. It is comparable because title search, abstracting, and curative work — currently done in-house by Florida Land Title — could increasingly be outsourced to such vendors.
• Real Matters (now ClosingTrack / Solidifi): Solidifi/Real Matters operates a national title and appraisal production platform serving lenders. It is comparable as an outsourced title production layer that could disintermediate regional agents on lender-direct title business.

Broad incumbents

• Fidelity National Title (FNF): Fidelity National Title is the largest title insurance underwriter in the U.S. with broad agency and direct operations in Florida. It competes across residential, commercial, and refinance transactions and sets aggressive agency terms with independent title agents.
• Old Republic National Title Insurance: Old Republic Title is a major national title insurance underwriter serving agents, lenders, and real estate professionals across Florida. It competes for agency sign-ups and policy issuance in the same regional markets where Florida Land Title operates.
• WFG National Title Insurance Company: WFG National Title is a large underwriter with a national agent network and operations across Florida. It competes with independent title agencies for both policy issuance and closing services in markets overlapping Florida Land Title's footprint.
• First American Title Insurance Company: First American is one of the largest title insurance underwriters in the U.S. It is also Florida Land Title's underwriting counterparty for issued policies, and operates its own agency and direct operations across Florida including Northwest markets.

Regional players

• Attorneys' Title Insurance Fund (The Fund): The Fund is a Florida-centric title insurance underwriter serving agents and attorneys across the state, with similar geographic concentration in regional Florida markets. It is comparable as a regional underwriter competing for independent agent relationships.

Direct peers

• Stewart Title & Guaranty Company: Stewart Title is one of the largest national title insurance underwriters and agencies. It directly competes with Florida Land Title in issuing title insurance policies and providing closing services to residential and commercial buyers and lenders.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Facebookfacebook.com/profile.php

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Florida Land Title and Trust