Talk Title With Perna

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07/11/2026

Talk Title with Perna
Worst-Case Scenarios of Buying a Home Without Title Insurance
Everyone asks, “Do I really need title insurance?”
My answer is always the same: You don’t need it… until you need it.
Here are a few real-world worst-case scenarios that can happen without an owner’s title insurance policy:
🏠 You discover someone else legally owns part—or all—of your property.�An undiscovered heir, forged deed, or recording error could lead to someone claiming ownership years after you close.
💰 You inherit someone else’s debt.�Old tax liens, contractor liens, HOA liens, or unpaid judgments that weren’t resolved could become your responsibility.
⚖️ Boundary disputes.�Imagine spending thousands on a fence, pool, or garage only to find out it’s actually on your neighbor’s property.
✍️ Forged signatures or fraudulent deeds.�Real estate fraud is becoming more common. If someone forged a signature somewhere in the property’s history, your ownership could be challenged.
🚧 Easements you didn’t know existed.�You buy your dream backyard, then learn a utility company—or even your neighbor—has the legal right to use part of it, limiting what you can build.
👨‍👩‍👧 Missing heirs appear years later.�A family member who was never notified during probate may come forward claiming they still have an ownership interest.
📑 Errors in the public records.�Clerical mistakes happen. One incorrect legal description or recording error can create expensive legal problems.
💵 Legal fees.�Even if you ultimately win a title dispute, defending your ownership in court can cost tens of thousands of dollars. An owner’s title insurance policy not only helps protect your ownership—it also covers many of the legal costs of defending your title when covered claims arise.
The reality is this:
You’ll probably never need your title insurance policy. But if one of these situations happens, it could protect one of the biggest investments you’ll ever make.
That’s why title insurance is different from every other type of insurance. You buy it once at closing, and your protection lasts for as long as you or your heirs own the property.
Protecting your money starts with protecting your ownership.
— Perna�Licensed Florida Title Agent

07/04/2026

🎙️ Talk Title with Perna

Is your title agent doing things right?

Most people know their Realtor. Many know their lender. But how well do you really know your title agent?

Are they communicating? Catching issues before they become problems? Protecting your money? Reviewing every detail before closing day?

Your title agent is the one working behind the scenes to research the property’s history, clear title issues, coordinate with lenders, balance the numbers, and make sure ownership transfers correctly.

So here’s my question…

If I asked you what your title agent actually does, could you answer?

Knowing who’s protecting one of your biggest investments matters.

💬 Tell me—what’s one thing you’ve always wondered about the title process? It might just be next week’s Talk Title with Perna!

06/27/2026

🎙️ Talk Title with Perna

How much does family become involved in probate?

One of the biggest misconceptions is that family automatically has the authority to handle everything after someone passes away. That’s not always the case.

Generally:
🏡 If there is a valid will, the person named as the personal representative (executor) is responsible for handling the estate once appointed by the court.
📄 If there is no will, state law determines who has priority to serve as the personal representative.
👨‍👩‍👧‍👦 Family members are often involved by providing information, signing required documents in some situations, or receiving inheritances—but they don’t automatically have legal authority over the estate.
⚖️ Probate is a court-supervised process designed to ensure debts are addressed and assets are distributed according to the will or state law.

As a title company, we work alongside the personal representative, attorneys, and all parties involved to help make sure the real estate portion of the probate process is handled correctly.

Every probate is different, so it’s important to seek legal guidance for your specific situation.

💬 Have a title question you’d like answered? Drop it below, and let’s Talk Title with Perna! 💗🦓

06/14/2026

🎙️ Talk Title with Perna: Cleaning House Edition 🧽🏡

You know you’re an adult when a simple dusting turns into moving furniture, washing walls, scrubbing bathrooms, reorganizing the living room, cleaning curtains, and suddenly deciding the car needs attention too.

Yesterday wasn’t spring cleaning… it was summer cleaning with a side of chaos. 🤣

As someone who works in title, I can’t help but notice the similarities:

* Clear the clutter ✔️
* Organize the mess ✔️
* Find things you forgot existed ✔️
* Fix little issues before they become big problems ✔️

Sounds a lot like preparing a property for closing!

The only difference is when I clean a title file, nobody expects me to dust the curtains too.

Now if you’ll excuse me, I’m waiting for the sun to drop a little lower so I can tackle the car. Apparently, 2026 is the year of home maintenance, organization, and discovering muscles I forgot I had.

🦓💖

06/08/2026

Talk Title with Perna: Taking a Chance on Someone New

Sometimes in real estate, people automatically reach for the company they’ve always used. And there’s value in loyalty.

But there’s also value in giving someone new a chance.

Not new to the industry—just new to you.

Maybe it’s a title agent with 10+ years of experience who’s built a reputation on communication, problem-solving, and getting deals to the closing table. Maybe they’re bringing fresh energy, new ideas, and a level of service you didn’t know you were missing.

The truth is, growth happens when we’re willing to step outside our comfort zone and build new professional relationships.

So this week’s question:

What makes you willing to try a new title company or title agent?

* Communication?
* Experience?
* Availability?
* Problem-solving?

I’d love to hear your thoughts!

Talk Title with Perna
Legacy Title of Citrus
352-513-3262
Cell 352-651-8874
Because sometimes the best business relationships start when you take a chance on someone new. 💙🏡✨

05/31/2026

Talk Title with Perna 🌴🏡

June 1st isn’t just the start of Hurricane Season…

It’s also an important date for Florida property taxes.

If property taxes weren’t paid by March 31st, they became delinquent on April 1st. Then on or before June 1st, the county holds its annual Tax Certificate Sale for those unpaid taxes.

Before anyone panics…

🚨 A tax certificate sale does not mean your property was sold.

A tax certificate is a lien against the property for unpaid taxes. The property owner still owns the property, but the delinquent taxes, interest, and fees will need to be paid.

As a title agent, I see a lot of confusion surrounding tax certificates. Someone hears their property “went to tax sale” and immediately assumes they’ve lost their home. In most cases, what actually happened is that a tax certificate was issued because the taxes weren’t paid.

💡 Title Tip: Property taxes are one of the first things we review during a title search. Unpaid taxes can delay a closing and create headaches for buyers and sellers alike.

So while you’re stocking up on batteries, water, and hurricane supplies this June, make sure your property taxes are squared away too!

— Talk Title with Perna 🎙️🏡

Have questions about tax certificates, tax deeds, or anything title-related? Drop them in the comments! 👇

🦓💖 TALK TITLE WITH PERNA 💖🦓Apparently my entire personality now comes in hot pink and black zebra print… so naturally my...
05/23/2026

🦓💖 TALK TITLE WITH PERNA 💖🦓

Apparently my entire personality now comes in hot pink and black zebra print… so naturally my marketing should too 😂💅

But honestly?
In a world where everyone tries to blend in, I’d rather be memorable.

That’s also how I handle my files.
Bold communication. Attention to detail. And making sure things are handled BEFORE they become problems.

Because title work isn’t just paperwork — it’s protecting people’s biggest investments. 💕

So yes… the nails are loud.
But the closings are smooth 😉

🦓

05/17/2026

🎥 Talk Title with Perna
Favorite recipe… and the perfect recipe for a smooth closing 🧁🏡

Everybody always asks for my favorite recipe… but honestly?
The recipe I know best is a successful closing. 😂

Here’s the ingredient list:

✔️ One motivated buyer
✔️ One realistic seller
✔️ A lender who answers emails before 4:59 PM
✔️ A processor with caffeine and determination
✔️ Clear communication
✔️ A clean contract
✔️ No surprise liens
✔️ And just a tiny pinch of patience

Then you mix it all together with:
☕ coffee
📞 constant follow-up
📑 document audits
😅 controlled chaos
and about 47 “just checking in” emails.

Bake until funded.
Serve with keys. 🔑

The secret ingredient?
A title team working behind the scenes making sure the deal doesn’t fall apart before everyone gets to the table.

And unlike some online recipes…
we actually test ours before serving it. 😎

05/10/2026

Talk Title with Perna — Mother’s Day Edition 💐🏡

To all the moms out there juggling school drop-offs, soccer practice, laundry mountains, work deadlines, and somehow still making it to the closing table looking put together… I see you. 😂

Mother’s Day in title hits a little different because so many women are carrying everything behind the scenes while buying, selling, refinancing, packing, organizing, signing documents, and holding the whole family together.

So this week’s question:

What’s one thing your mom taught you that helped you become a homeowner, business owner, or just survive adulthood?

I’ll go first:
Mine taught me to read EVERYTHING before I sign it… which honestly explains why I ended up in title. 🤣

Happy Mother’s Day to the moms, bonus moms, grandmas, dog moms, single moms, and the women holding families together every day. 💕🔑

05/02/2026

Real talk—what do y’all not understand about title?
Because I guarantee if you’re confused, someone else is too.

Agents—what’s the question you get that makes you go ‘ummm let me check with title?
Buyers/sellers—what made you nervous the last time you closed?

Put it below. I’ll answer it straight—no fluff, no sugarcoating! 💯

Address

2704 W. Woodview Lane
Lecanto, FL
34461

Opening Hours

Monday 8:30am - 5pm
Tuesday 8:30am - 5pm
Wednesday 8:30am - 5pm
Thursday 8:30am - 5pm
Friday 8:30am - 5pm

Telephone

(352)5133262

Website

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