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Protect Your Property Investment
Secure, accurate title searches, and insurance policies.
About Us
Southern Kentucky Title Company, LLC is a full service title company. Whether you are a customer purchasing, selling or refinancing a home, a REALTOR, a builder, a commercial investor or a lender, we can service all your title needs.
We provide services prior to closing, during closing, and after closing.
Our History
Southern Kentucky Title Company, LLC is a subsidiary of South Central Bank, Inc. Although, Southern Kentucky Title Company began in 2009; the Southern Kentucky Title Company history actually dates all the way back to 1889, the year Deposit Bank of Monroe County was chartered. Our founder, James Kenneth Bale, purchased Deposit Bank of Monroe County in 1972 to fulfill a dream of providing true local banking services to the communities they serve. And, Deposit Bank’s 83 years of service to rural Kentucky provided a strong basis to found South Central Banks.
The plan to grow South Central Bank was simple. Treat all customers honestly and fairly and the rewards of success will follow. Mr. Bale’s children Tommy Bale, Ellen Bale, Lester Bale, William Bale and Ruthie Bale, the board members of South Central Bancshares of Kentucky, are each committed to their father’s simple plan of extraordinary service. Today, extra effort is taken to instill our founding values in each employee, regardless of the position they hold in the bank or title company. Based on our experience and expertise, we are confident that you’ll appreciate the hometown difference!
Get in touch with us today to learn more about our services and how we can help you with your next transaction.
Frequently Asked Questions
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.
A lender's policy, also known as a loan policy or a mortgage policy, protects the lender against loss due to unknown title defects. It also protects the lender's interest from certain matters which may exist, but may not be known at the time of the sale.
This policy only protects the lender's interest. It does not protect the purchaser. That is why a real estate purchaser needs an owner's policy.
An owner's policy protects you, the purchaser, against a loss that may occur from a fault in the ownership or interest you have in the property. You should protect the equity in your new home with a title policy.
Protection from financial loss due to demands that may be charged against the title to your home, up to the cost of the title policy.
Payment of legal costs if the title insurer has to defend your title against a covered claim.
Payment of successful claims against the title to your home covered by the policy, up to the cost of the policy.
Any purchaser will need evidence that his investment in your property is free of title defects. The title insurance policy that you provide the purchaser is a guarantee that you are selling a clear title to your real estate, unencumbered by any legal attachments that might limit or jeopardize ownership. It will reassure your purchaser that he or she is protected from any risks or losses and could help you close your deal.
Without title insurance, you may not be fully protected against errors in public records, hidden defects not disclosed by the public records, or mistakes in examination of the title. As a result, you may be held fully accountable for any prior liens, judgments or claims brought against your new property. If this should occur, your title policy insures that you will be defended at no cost against all covered claims up to the amount of the policy.
The insurance commission approves and controls the premiums for title insurance policies. The premiums are paid only once and the cost depends upon the purchase price of the property and the policy amount must be equal to the purchase price.
- 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
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Questions? Call: (270) 970-1371
Contact Us
Southern Kentucky Title Company, LLC
501 South L Rogers Wells Boulevard, Glasgow, Kentucky 42141
Phone: (270) 970-1371
Hours
Open today | 09:00 am – 05:00 pm |
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