True Title of Central Florida

What True Title of Central Florida does

True Title of Central Florida, LLC is a privately held, owner-operated title insurance and real estate settlement firm headquartered at 2010 NE 14th Street, #500, Ocala, Florida. The company provides title searches, owner's and lender's title insurance policies, escrow handling, and full-service real estate closings to three primary customer segments — realtors, consumers (homebuyers and sellers), and mortgage lenders — across Ocala, Marion County, and the broader state of Florida. Backed by national underwriter partnerships with Westcor Land Title Insurance Company and Stewart, True Title issues title commitments within 5-7 business days and operates a 1-hour agent response SLA during business hours, positioning itself as a 'Chief of Staff' partner rather than an order-taking vendor.

The firm's operating stack layers digital modules on top of the traditional title workflow. Buyers and agents can submit earnest money electronically through a Payload Keybox integration (PCI-validated, deposits up to $100,000), open and manage files through the Qualia Connect online portal, calculate branded net sheets via an embedded NetSheetCalc widget, and complete signings via Florida-compliant Remote Online Notarization (multi-factor identity verification, 10-year session retention). A hardened cybersecurity infrastructure — encrypted email, third-party vulnerability scans, firewall, frequent backups, clean-desk policy, and cyber insurance — supports ALTA Best Practices and TRID compliance.

Revenue is transaction-based and undisclosed: one-time title insurance premiums at closing, plus per-transaction closing, settlement, title search, and examination fees. The go-to-market is sales-led, combining direct realtor account management, inside sales to Florida mortgage lenders, and self-service online order intake. Marketing is content-led (multi-page blog, YouTube FAQ series, organic social) and community-rooted, with visible support for The Fostering Foundation of Ocala, The Pearl Project, and Habitat for Humanity of Marion County. The company is privately held, founder-led by Clay Lehman (Owner/President, 20+ years of local title and brokerage experience), has no institutional funding or parent, and operates with approximately 8 named team members.

Name

True Title of Central Florida

Legal name

True Title of Central Florida, LLC

Website

https://truetitleocala.com

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

1–10 employees

Short description

True Title of Central Florida is a privately held, owner-operated title insurance and real estate settlement firm serving realtors, consumers, and mortgage lenders in Ocala, Marion County, and across Florida, with electronic earnest money, RON, and a Qualia-backed digital closing portal.

Ownership category

akta.pro rank

Product category

Title Insurance and Real Estate Settlement Services

NAICS

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

SIC

Title Insurance (6361), Insurance Agents, Brokers & Service (6411)

akta.pro industry

PRIMARYBPAJAOAB

Title Search & Examination

Business & Public Services/Real Estate Services (Brokerage, Property Management)/Real Estate Transaction Services (Escrow, Title & Closing Coordination)

SECONDARYFSAJACAL

Title Insurance

Financial & Insurance/Insurance — Motor, Property & Casualty/Property Insurance (Homeowners, Renters & Commercial Property)

Keywords

• Title insurance services
• Real estate closing services
• Title search examination
• Escrow settlement services
• Remote online notarization

Headquarters

HQ city

Ocala

HQ country

United States

HQ region

North America

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

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

Revenue model

1. Title Insurance Premiums: One-time title insurance premiums collected at closing on each transaction, including both lender's policies and owner's policies. Premiums vary by transaction size and policy type.
2. Closing / Settlement Fees: Real estate closing and settlement service fees charged per transaction for buyers and sellers in Ocala and across Marion County; competitive rates positioning versus other Central Florida title companies.
3. Title Search & Examination Fees: Per-transaction fees for comprehensive title searches (deeds, mortgages, liens, judgments, tax records, probate) and issuance of title commitments.
4. Lender / Commercial Settlement Services: TRID-compliant closing services and lien resolution sold to mortgage lenders operating in Florida.
5. Digital Earnest Money Facilitation: Convenience fees / value-added digital earnest money handling services via Payload Keybox integration, supporting deposits up to $100,000.

Pricing tiers

Go-to-market motion1 record

Distribution channels5 records

Marketing channels8 records

Core offering

True Title of Central Florida is a privately held title insurance and real estate settlement services firm. It issues owner's and lender's title insurance policies, performs title searches and examinations, and manages full-service real estate closings and escrow for buyers, sellers, realtors, and mortgage lenders across Ocala, Marion County, and Florida. Its offering is augmented by digital tools including electronic earnest money deposits (Payload Keybox), a branded Net Sheet Calculator (NetSheetCalc), Remote Online Notarization (RON), and the Qualia Connect transaction portal.

Product overview

True Title of Central Florida is a single integrated title and escrow service platform serving realtors, consumers, and lenders across Ocala, Marion County, and the state of Florida. Its core offering, Title & Settlement Services, bundles Title Search & Examination, Title Insurance (owner's and lender's policies), and full-service real estate closings into one workflow managed by a single point of contact. Layered on top of this core are digital modules that modernize the closing experience: the Qualia Connect Online Portal for transaction management, Order Title for secure contract upload and file opening, Electronic Earnest Money Deposit via Payload Keybox, the embedded Net Sheet Calculator (NetSheetCalc), and Remote Online Notarization (RON) for fully remote closings. Together these products convert traditional paper-based title and escrow processes into a digital, agent-friendly closing experience with proactive municipal lien searches, a 5–7 business day initial Title Commitment turnaround, and a 1-hour agent response SLA.

Differentiator

Problem solved

Functional benefit

Products and services

• Title Insurance (Owner's and Lender's Policies) One-time premium title insurance policies for owners and lenders that protect against financial loss due to defective titles, undisclosed liens, errors in public records, fraud and forgery, missing heirs, and boundary disputes; available to homebuyers, sellers, and lenders in Marion County and across Florida.
• Title Search and Examination Comprehensive examination of public records — deeds, mortgages, liens, judgments, tax records, and probate — to verify the chain of ownership and identify title defects before issuance of a title commitment; delivered within 5–7 business days.
• Remote Online Notarization (RON) Florida-compliant remote online notarization that allows signers to complete closings via secure audio-visual platforms with multi-factor identity verification, credential analysis, recorded sessions retained for a minimum of 10 years, and electronic seals and digital certificates.
• Electronic Earnest Money Deposit (Payload Keybox) Fully digital earnest money deposit delivery powered by Payload Keybox, allowing buyers to submit funds electronically (up to $100,000) without bank visits or wire transfers, with immediate receipt distribution via a PCI-validated two-step payment flow.
• Net Sheet Calculator Embedded NetSheetCalc widget that delivers instant net sheets, side-by-side multi-offer comparisons, save/edit/share functionality, branding with broker logo and agent photo, and one-click title order submission.

Quantifiable outcome

• Initial Title Commitment delivered within 5–7 business days
• +4 more outcomes

Segments4 records

Ideal customer profiles3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Integration3 records

Feature6 records

Partnerships

Eight partnerships are on record, tiered flagship, core and minor.

• Westcor Land Title Insurance Company (WLTIC)flagshipStrategic or Co-development PartnerWestcor is featured as a 'Meet Our Partners' logo on the True Title homepage with a live link to wltic.com, indicating a flagship national underwriter partnership that backs True Title's title insurance policies.
• Stewart Title (Stewart)flagshipStrategic or Co-development PartnerStewart is featured as a partner logo on the homepage and explicitly named on the Lenders page as a 'national underwriter' that True Title of Central Florida works with to deliver title insurance and closing services.
• Payload (Keybox)coreTechnology or IntegrationPayload powers True Title's digital earnest money deposit solution via Keybox — a PCI-validated two-step payment platform with deposit limit of $100,000, immediate receipt distribution, no app download required.
• NetSheetCalccoreTechnology or IntegrationNetSheetCalc provides True Title's branded instant net sheet calculator (appid 431) — branded with agent photo and broker logo, with quick quote and full-service app.
• Qualia (Qualia Connect)coreTechnology or IntegrationQualia Connect is referenced as True Title's innovative online portal for streamlining real estate transactions between agents, title, and consumers.
• The Fostering Foundation of OcalaminorGTM or Marketing PartnerTrue Title proudly supports The Fostering Foundation of Ocala, an organization supporting foster families in Marion County; dedicated landing page and donation links on True Title site.
• The Pearl ProjectminorGTM or Marketing PartnerTrue Title is a proud partner of The Pearl Project, an organization empowering caregivers of children who have experienced trauma in the Marion County community; dedicated landing page on True Title site.
• Habitat for Humanity of Marion CountyminorGTM or Marketing PartnerTrue Title supports Habitat for Humanity of Marion County, an organization creating affordable housing and empowering families; dedicated landing page and links to volunteer/donate on True Title site.

Scale indicators13 records

Recent moves6 records

Expansion highlights4 records

Emerging players

• Doma: Technology-forward title insurance and closing company focused on automating and streamlining the traditional title process; competes with established local title agencies like True Title on speed, digital experience, and lender-direct integrations.

Others

• PropLogix: Vendor offering title search, lien, and due-diligence services used by many title agencies and real estate brokerages; comparable as a backend service provider whose offerings overlap with the title search and examination work True Title performs in-house.
• Qualia: Cloud-based real estate closing platform that True Title uses via Qualia Connect; comparable as the underlying technology stack that powers modern title agency workflows, and an ecosystem participant whose roadmap directly shapes True Title's digital closing experience.

Broad incumbents

• Fidelity National Title (FNF): One of the largest title insurance underwriters and agency operators in the United States; directly comparable product offering (title insurance, escrow, closing services) and competes for the same lender and realtor relationships as True Title, but at national scale.
• Westcor Land Title Insurance Company: National title underwriter and a named True Title partner; comparable in that Westcor underwrites policies that compete with other carriers' products at the point of sale, even though it does not typically operate competing retail agency storefronts directly.
• First American Title Insurance Company: Largest U.S. title insurer with broad national and Florida agency operations; competes with True Title at the underwriter/agency level while also serving as a benchmark for the kind of scaled, vertically integrated national brand True Title competes against for lender and realtor relationships.
• Stewart Title: Major national title underwriter and a named True Title partner; Stewart issues policies behind True Title's agency work but also operates competing agency offices and underwriter relationships with other Florida title agencies, making it both a partner and a structural peer in the same market.
• Old Republic Title: Large national title underwriter with significant Florida agency footprint; offers the same core product suite (title insurance, escrow, settlement services) and competes for institutional lender business and independent agency affiliations that affect True Title's positioning.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• YouTubeyoutube.com/@TrueTitleOfCentralFlorida
• LinkedInlinkedin.com/company/true-title-of-central-florida

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles8 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 True Title of Central Florida