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A Comprehensive Guide to Real Estate Closings in North and South Carolina

The process of closing a real estate transaction can be both exhilarating and challenging. Whether you are a first-time homebuyer or a seasoned investor, understanding the intricacies of real estate closings in North and South Carolina is crucial to safeguarding your investments and ensuring successful transactions. 

With three decades of combined law firm and real estate closing experience, our team offers in-depth expertise and cost-effective solutions to help you navigate the complexities of real estate closings.

In this comprehensive blog post, we will explore the essential steps and considerations for real estate closings in North and South Carolina. Topics covered will include the role of an attorney in a real estate transaction, vital pre-closing tasks such as title searches and inspections, the importance of title insurance, and post-closing obligations. Our goal is to equip you with valuable insights and guidance to make well-informed decisions and successfully complete your real estate transaction in North and South Carolina.

The Role of an Attorney in Real Estate Transactions

Real estate closings often involve multiple parties, complex paperwork, and strict regulations. Skilled attorneys play a crucial role in ensuring that the transaction proceeds smoothly and without any surprises. As experts in North Carolina and South Carolina’s unique real estate laws, we can assist you in various aspects, such as:

  • Due Diligence: Reviewing all relevant aspects of the property’s condition and verifying that there are no issues that might adversely impact its value.
  • Contract Preparation and Negotiation: Drafting or reviewing the purchase agreement to ensure that it accurately reflects your interests and complies with applicable laws.
  • Title Search and Examination: Ensuring the property has a clear title, free from liens, judgments, or other encumbrances that may interfere with your ownership rights.
  • Escrow Management: Overseeing the correct distribution of funds between the involved parties and ensuring conditions are met before closing.

Having an experienced attorney on your side can help you avoid potential pitfalls and ensure a smooth, legally compliant transaction.

Pre-Closing Tasks: Title Searches, Inspections, and More

Before a real estate closing, it is essential to undertake a series of tasks aimed at mitigating potential risks and ensuring the integrity of the transaction. Pre-closing tasks include:

  • Title Search: Conducting an examination of public records to confirm the property’s legal ownership and identify any claims, liens, or other encumbrances affecting the transfer.
  • Property Inspections: Hiring professionals to assess the property’s structural, mechanical, and environmental conditions and identify any issues or defects that need to be addressed.
  • Survey: Reviewing a land survey to confirm property boundaries and identify any potential encroachments or easements.
  • Appraisal: Obtaining an independent estimate of the property’s market value to ensure you are not overpaying or under-securing your loan.

By completing these pre-closing tasks, you will have a clearer understanding of your investment and be well-prepared for the closing process to commence.

The Importance of Title Insurance

Title insurance is an essential element of any real estate transaction, as it provides protection against potential title defects and ownership issues that may surface after closing. North and South Carolina have specific rules and requirements for obtaining title insurance, and the coverages they provide include:

  • Owner’s Policy: Protects the buyer against title defects and claims against the property, up to the policy limit.
  • Lender’s Policy: Required by most lending institutions, this policy protects the lender’s financial interests against any title-related matters that affect the property’s value.
  • Enhanced Policies: Offers extended protection for specific claims not traditionally covered, such as building permit violations, encroachments, or rights of others to access the property.

Obtaining title insurance is a vital step in safeguarding your investment and obtaining peace of mind throughout your real estate journey.

Post-Closing Obligations: Property Transfer and Beyond

Following the successful completion of a real estate closing, several tasks must be addressed, ensuring that all legal formalities are satisfied and the property’s ownership is securely in place. Key post-closing obligations include:

  • Deed Recording: Filing the deed with the appropriate county register of deeds office to ensure the legal transfer of ownership and record the transaction in public records.
  • Mortgage Registration: Registering any mortgage or loan documentation with the relevant government authority, confirming the mortgage lien and its priority on the property.
  • Tax Assessments: Ensuring that all property tax assessments are updated and accurately reflect the transfer of ownership.
  • Utility Transfer: Coordinating the transfer of utility services to the new owner, including electricity, water, and gas.

Attending to these post-closing obligations can help you enjoy a trouble-free transition into your new property.


Understanding the ins and outs of real estate closings in North and South Carolina is fundamental to ensuring the success and security of your investments. With knowledge of pre-closing tasks, title insurance, and the importance of skilled legal counsel at your side, you will be prepared for a seamless and stress-free real estate transaction. 

Reach out to our team of experienced real estate attorneys at Steltzner Law Firm, LLC, today, and let us guide you through each step of the closing process, safeguarding your interests and protecting your valuable investment in North and South Carolina. Contact us for more information on real estate closings in Rock Hill, SC!