Cottrell Title

What Cottrell Title does

Cottrell Title, LLC is a privately held Florida title insurance and escrow agency founded in 2011 by attorney Justin Cottrell and headquartered in Naples, Florida, with a second office in Estero opened January 8, 2024. The company delivers residential and commercial real estate closings for buyers, sellers, real estate agents, and lenders across Southwest Florida, including Naples, Marco Island, Bonita Springs, Estero, Fort Myers, Cape Coral, Sanibel, and Captiva (Collier and Lee Counties). Its core offering is a seven-step closing process — order entry, title search, escrow deposit, underwriting, closing, fund disbursement, and post-closing recording — executed through a small team of licensed attorneys and title agents averaging 10+ years of industry experience.

The technology stack is built primarily on third-party integrations rather than proprietary infrastructure: Paymints.io and ZOCCAM enable electronic escrow deposit transfers in minutes (Paymints.io claims a 90-second turnaround), Remote Online Notarization routes executed documents directly into the closing software, TitleCapture delivers agent-branded settlement statements, and Alanna AI generates instant seller net sheets and buyer closing cost estimates. The company also offers real-time closing status updates to all parties. Title insurance policies are issued through three underwriters — WFG National Title (primary), WESTCOR Land Title Insurance Company, and WFC National Title Insurance Company — at promulgated rates.

Revenue is generated entirely on a per-transaction basis through title insurance premiums, settlement/closing fees (cash $595, loan $695), title search fees ($150-$200), and escrow service charges. The go-to-market motion is sales-led and community-led: an internal VP of Sales & Marketing, a Business Development Representative, and a dedicated VP of Closings drive agent referrals, supported by active membership in NABOR, BER, NAHREP, Women's Council of Realtors, and the Mortgage Bankers Association of SW Florida, plus community programming under the #CottrellCares initiative. No external funding, parent company, or institutional investment is disclosed.

Name

Cottrell Title

Legal name

Cottrell Title, LLC

Website

https://cottrelltitle.com

Company type

Private

Founded year

2011

Operating status

Operating

Headcount range

1–10 employees

Short description

Cottrell Title is a privately held Florida title and escrow agency that runs residential and commercial real estate closings for agents, buyers, sellers, and lenders across Southwest Florida from offices in Naples and Estero.

Ownership category

akta.pro rank

Product category

Title Insurance & Escrow Services

NAICS

Title Abstract and Settlement Offices (541191)

SIC

Title Insurance (6361)

akta.pro primary industry

Closing & Settlement Services (Settlement Agents) (BPAJAOAE)

akta.pro secondary industries

Title Search & Examination (BPAJAOAB), Escrow Services (BPAJAOAD), Closing Coordination & Transaction Management (Broker/Agent Support) (BPAJAOAH), Title, Settlement & Closing Services Technology (FSALALAK)

Keywords

• Title insurance services
• Escrow closing services
• Real estate title agency
• Title search services
• Residential closing services

Headquarters

HQ city

Naples

HQ country

United States

HQ region

North America

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Title Insurance: Title insurance policies issued through underwriters (WFG National Title, WESTCOR, WFC). Both owner's policies and lender's policies. Revenue based on promulgated rates set by underwriters.
2. Settlement/Closing Fees: Cash settlement fees ($595), loan settlement fees ($695) charged to buyers, sellers, or borrowers on each transaction.
3. Title Search Services: Title searches performed for properties, typically $150-200 depending on transaction type and party responsible.
4. Escrow Services: Escrow deposit handling and disbursement services as part of the closing process.

Pricing tiers

Go-to-market motion2 records

Distribution channels4 records

Marketing channels7 records

Core offering

Cottrell Title is a full-service title and escrow agency that issues title insurance policies (through underwriters WFG, WESTCOR, and WFC), performs title searches, manages escrow deposits, and coordinates the closing process for residential real estate transactions. Its seven-step closing workflow handles order entry, title search, escrow handling, underwriting, the closing itself, fund disbursement, and post-closing recording, with technology-enabled remote notarization, electronic escrow deposits, and real-time status updates.

Product overview

Cottrell Title operates as a single-brand title agency and escrow services company founded in 2011, headquartered in Naples and Estero, Florida. The core product is Title & Escrow Services — a full-service closing platform handling residential and commercial real estate transactions for buyers, sellers, agents, and lenders. The platform is delivered through a network of named modules and technology tools that layer onto the core closing process: a Closing Cost Calculator (powered by TitleCapture with Alanna AI) for instant net sheets and cost estimates; Remote Online Notarization for paperless document execution; Electronic Escrow Deposits via Paymints.io and ZOCCAM; and Real-Time Closing Updates for transaction transparency. All services operate under the Cottrell Title brand and are delivered through a seven-step closing workflow from order entry through post-closing recording.

Differentiator

Problem solved

Functional benefit

Products and services

• Title & Escrow Services Full-service title agency and escrow closing services for residential real estate transactions, handling closings for agents, buyers, sellers, and lenders and issuing title insurance policies. Includes a seven-step closing process: order entry, title search, escrow deposits, underwriting, closing, fund disbursement, and post-closing recording.
• Remote Online Notarization (RON) Standalone notarization service allowing clients to execute closing documents remotely; documents return directly within Cottrell's closing software for immediate review, authorization to fund, and recording.
• Electronic Escrow Deposit Service Digital escrow deposit service enabling buyers to transfer earnest money electronically in minutes via Paymints.io and ZOCCAM, with 90-second transfer initiation and full encryption.
• Agent-Branded Closing Cost Calculator Calculator platform powered by TitleCapture with Alanna AI that enables real estate agents to generate seller net sheets and buyer closing cost estimates instantly under the agent's own brand.

Quantifiable outcome

• Closed home purchase in HOA within 15 days of receiving title order
• +1 more outcomes

Named customers5 records

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

Twelve partnerships are on record, tiered core and minor.

• Paymints.iocoreTechnology or Integration · 22 June 2022Partnership for remote escrow deposit transfers. Enables buyers to transfer escrow deposits electronically in 90 seconds. Fully electronic, encrypted, and secure with 24/7 accessibility. Eliminates need for physical check delivery.
• ZOCCAMcoreTechnology or IntegrationTechnology integration for electronic escrow deposit transfers. Deposits transferred electronically in minutes, eliminating the traditional method of driving around with escrow deposit checks.
• WFG National TitlecoreOthersPrimary title insurance underwriter. Cottrell received Chairman's award as top producing title agent in Florida. Issues title insurance policies for transactions.
• WESTCOR Land Title Insurance CompanyminorOthersTitle insurance underwriter. Listed as one of the insurance company partners whose policies Cottrell issues.
• WFC National Title Insurance CompanyminorOthersTitle insurance underwriter. Listed as one of the insurance company partners whose policies Cottrell issues.
• CBN Law Group, PLLCcoreStrategic or Co-development PartnerLegal counsel available to Cottrell staff. Provides access to real estate legal expertise for complex transactions and client matters.
• The FIRPTA Group at Cottrell Tax & AccountingminorStrategic or Co-development PartnerProvides services to Cottrell's non-resident clients requiring US ITINs, FIRPTA Withholding, and/or Tax Preparation services.
• TitleCapturecoreTechnology or IntegrationPlatform providing agent-branded settlement statements with instant title quotes, seller net sheets, and buyer estimates. Includes Alanna AI resource.
• NABOR (Naples Area Board of Realtors)coreGTM or Marketing PartnerPrimary real estate association partnership. Active member, sponsor, and participant in events. Eric Nagel serves on Community Involvement Committee and graduated Leadership Academy 2022.
• BER (Bonita Springs-Estero Realtors)coreGTM or Marketing PartnerAffiliate member providing referral pipeline and networking within the Bonita Springs/Estero real estate market.
• NAHREP (National Association of Hispanic Real Estate Professionals)minorGTM or Marketing PartnerAffiliate member supporting outreach to Hispanic real estate community. Cottrell has bilingual closing team to serve this market segment.
• Women's Council of Realtors (Naples On-the-Gulf & Bonita Springs/Estero)minorGTM or Marketing PartnerAffiliate member supporting women's leadership and networking in real estate.

Scale indicators4 records

Recent moves7 records

Expansion highlights5 records

Broad incumbents

• First American Title Insurance Company: One of the largest national title insurers and settlement service providers in the U.S. Directly competes with Cottrell in title insurance issuance, escrow, and closing services, particularly through its direct operations and agency network in Florida.
• Stewart Title: Large national title insurance and real estate services company with significant Florida operations. Competes with Cottrell across title search, escrow, and closing services and operates through agency and direct channels.
• Fidelity National Title (FNF): Parent of Chicago Title, Commonwealth Land Title, and other title brands, and the largest title insurance underwriter in the U.S. Operates agency and direct operations that overlap directly with Cottrell's title and escrow offerings in Florida.
• Old Republic Title: Established national title insurance underwriter with Florida agency operations. Provides title insurance and escrow services through a large agency network, directly overlapping with Cottrell's core offerings.

Direct peers

• WFG National Title Insurance Company: Cottrell's primary underwriter and a national title underwriter that also operates direct agency and escrow operations. Comparable in that it issues title insurance and supports closing services, but is also a critical partner rather than purely a competitor.
• Westcor Land Title Insurance Company: One of Cottrell's listed underwriters and a national title insurer with agency operations. Comparable in that it underwrites and supports title insurance and closing services for similar agent and consumer customers.
• Title24: Regional Florida title agency operating across multiple counties, offering title insurance and closing services. Direct competitor for real estate agent referrals and consumer closings in overlapping Florida markets.

Emerging players

• Title Alliance: Title insurance agency franchise model that helps independent title agents operate under shared branding and back-office support. Conceptually comparable to Cottrell's independent agency model, with potential franchise-style growth angle.

Regional players

• Premier Land Title: Regional title and escrow services company operating in the Southeast U.S. Provides comparable title search, escrow, and closing services and competes for realtor referral volume in adjacent Florida markets.
• Florida Title & Guarantee: Regional Florida-focused title insurance and escrow provider serving title agents and consumers. Comparable in service mix and regional focus to Cottrell, though with broader statewide reach.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks7 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/cottrelltitle

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

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 Cottrell Title