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Minot, ND

Title Company Horace, ND

Minot Title & Closing Experts — Serving Ward County and the Surrounding Region

Buying a home, selling a farm, or refinancing commercial property in Minot? Secure Title Company handles the title and closing details so your transaction moves forward without surprises.

We work with homeowners, sellers, agents, lenders, and investors across north-central North Dakota. Our team pairs local expertise with responsive service, so nothing about your closing feels uncertain.

Understanding Real Estate Closings in Horace

North Dakota doesn’t require an attorney to close a real estate deal, so buyers and sellers can choose the title and escrow provider that fits them best. While the state itself doesn’t mandate title insurance, lenders almost universally require it before funding a loan — it’s the safeguard against ownership claims or defects that weren’t caught during the search. Minot, the seat of Ward County, is also home to Minot Air Force Base, a major factor in the local real estate market.

What Title Insurance Costs in Minot

North Dakota regulates title insurance rates, so pricing scales with a property's sale price rather than varying by provider. On a $250,000 home, owner's coverage typically runs $1,200 to $1,800 — paid once, at closing, and good for as long as you or your heirs hold the property.

Buyer vs. Seller: Who Covers the Premium?

Sellers customarily pay for the owner's policy, and buyers typically cover the lender's policy on a financed purchase. Like most closing costs, though, this can be negotiated and written into the purchase agreement.

Title Complications We Regularly Encounter in Minot

Flood-Prone Land Along the Souris River

Minot's history with Souris River flooding means riverside and low-lying parcels often need extra scrutiny — elevation certificates, floodplain maps, and confirmation of flood insurance eligibility before we can clear title.

Land Near Minot Air Force Base

Homes and acreage close to the base sometimes carry avigation easements or noise-zone restrictions that affect how the property can be used — these need to be identified and disclosed early.

Split Mineral Interests

Given Ward County's proximity to the Bakken, rural and farm parcels frequently have mineral rights that were sold or reserved separately from the surface. Sorting out exactly what's being transferred takes careful record work.

Farmland Under Conservation or Zoning Restrictions

Agricultural ground around Minot can be tied up in CRP contracts, drainage easements, or ag-zoning covenants that limit development or future resale.

What We Handle for You

Closings, Residential and Commercial

From starter homes to commercial buildings and investment property, we manage closings across Minot and Ward County start to finish.

Owner's and Lender's Title Policies

We place both types of coverage through top national underwriters so every party's interest is protected.

Flexible Closing Formats

In person at our office, on location, or fully remote through online notarization — you pick what works for your schedule.

Closing Document Prep

Deeds, affidavits, settlement statements, transfer returns — we draft every document to North Dakota's requirements so nothing gets flagged at recording.

How We Get You From Contract to Keys

We Open Your File

Once your order comes in, we assign a dedicated title officer who stays with your transaction through closing.

We Search the Records

Our examiners dig through Ward County land records, tax history, and court filings, then compile a preliminary title report for review.

We Clear What Needs Clearing

Liens, old judgments, deed errors — we resolve title defects before they can hold up your closing, then issue your title commitment.

We Coordinate the Details

We stay in contact with your lender, agent, and any attorneys involved to make sure paperwork and logistics line up ahead of closing day.

We Close and Record

Documents get signed, funds move through escrow, and we file everything with the Ward County Register of Deeds — then your final policy is on its way to you.

Serving Minot & the Surrounding Region

Communities:

  • Minot
  • Burlington
  • Surrey
  • Berthold
  • Minot AFB
  • Velva
  • Towner
  • Kenmare
  • Mohall
  • Glenburn
  • Garrison
  • Max
  • Voltaire
  • Sawyer
  • Ryder

County Coverage:

  • Ward
  • McHenry
  • Renville
  • Bottineau
  • Pierce
  • Mountrail
  • Burke
  • Sheridan
  • Rolette
  • McLean
Our Service Area
Phone-
(701) 660-5887
Email id-
info@securetitlecompany.com
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Client Reviews

testimonials

What our clients say

Secure Title is the best closing company in town. As a realtor, I make sure to send all of my clients here because they are constantly going above and beyond and make sure to provide a great experience for every one of my clients! I’m impressed again and again every time I have a closing here. Thank you Secure Title for providing such a great service for the FM area!

Spencer Hron

Since Secure Title started, I have sent all my clients there to close. The big reason why is because how welcoming and accommodating they have been to help make my clients feel welcomed and excited to either close on their brand new home or sell their home. I would highly recommend choosing Secure Title as your closing company.

Jacob Keller

Secure Title is the best! Sasha and her team are the best in town, there’s nowhere else I trust more to take care of my clients! They are professional, detailed and their hospitality are second to none!

Josh Jaster

We LOVE Secure Title. Exceptional title services, fast and personable! They never fail! The staff is amazing, creating a brilliant team with the lenders in town!

Missie Schumaier
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Your Minot Closing, Three Steps Away

Get in Touch

Reach out by phone, email, or our online form to start your title order. We respond promptly during business hours to get your transaction moving.

We Take It From Here

From title research through final recording, your assigned title professional handles every detail and keeps you updated at each stage of closing.

Sign and Move Forward

Pick the signing option that suits you, then close knowing your ownership rights are backed by reliable title insurance coverage.

Area We Serve in North Dakota

Secure Title Company is proud to deliver dependable title and closing support throughout Minot and the surrounding communities. Buyers, sellers, agents, and lenders alike count on our team for accurate, reliable title work across the region.

Frequently Asked Questions

Most searches take 5–7 business days, covering Ward County land records, tax history, and court filings. Rush requests can often be completed in 2–3 days, though parcels with split mineral interests or multiple past owners may take longer.

Most residential closings in Minot close within 30–45 days of a signed purchase agreement, largely driven by lender underwriting timelines. Cash transactions or properties with a clean title history can close in as little as 1–2 weeks.
No — North Dakota doesn’t require attorney involvement in real estate closings, so buyers and sellers are free to work directly with a title company like ours. That said, either party is welcome to bring in legal counsel for complex or commercial transactions.
We review deed history, liens, judgments, tax records, easements, and — given the area — mineral rights and any avigation easements tied to Minot Air Force Base. The goal is to surface anything that could affect clear ownership before you close.
They can, but most issues we find — unpaid liens, missing signatures, unresolved estates — are resolved well before the closing date once flagged early. Catching them during the search phase is what keeps closing day on schedule.
That’s what your owner’s title policy is for. It covers legal defense and financial loss from covered issues like forged deeds, unknown heirs, or undisclosed liens, for as long as you or your heirs own the home.
Closing costs typically run 2–5% of the purchase price, covering title insurance, recording fees, escrow charges, and lender fees. Your title officer can provide an itemized estimate once your file is opened.
Yes — North Dakota permits remote online notarization, so out-of-state buyers and sellers can complete signing without traveling to Minot. Your title officer can walk you through the setup ahead of closing day.

Secure Your Minot Property with Expert Title Protection

Real estate in Minot comes with its own set of moving parts — floodplain considerations near the Souris River, mineral rights tied to the Bakken region, and land close to Minot Air Force Base all call for a closer look. Secure Title Company brings the local knowledge and careful process needed to keep your transaction on track and your ownership protected.
Working with a title team that knows the area means fewer surprises at closing and lasting confidence that your ownership rights are secure, now and down the road.