Title Services North Dakota

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Trusted North Dakota Title Services — Serving Fargo, West Fargo & All Communities Statewide

Looking to buy, sell, or refinance property in North Dakota? Secure Title Company is your trusted partner for expert title services that protect your investment and ensure a smooth, hassle-free transaction from contract to closing.

Serving homebuyers, sellers, real estate professionals, lenders, and commercial investors statewide, our experienced team combines deep local knowledge with exceptional customer service to make your closing efficient and stress-free.

North Dakota Title Insurance Requirements

North Dakota is a non-attorney-required state for real estate closings, allowing buyers and sellers flexibility in selecting their preferred title and escrow services. Title insurance is not legally mandated, but virtually all lenders require it to protect against unforeseen ownership disputes or title defects. (Fact note: major North Dakota population centers include Fargo, Bismarck, Grand Forks, Minot, and West Fargo.)

North Dakota Title Insurance Costs

Title insurance premiums in North Dakota are regulated and tied to the property’s purchase price. For a $250,000 property, expect premiums between $1,200–$1,800 for owner’s coverage. This one-time premium provides lifetime protection for as long as you or your heirs own the property.

Who Pays for Title Insurance in North Dakota?

Traditionally, sellers pay for the owner’s policy, while buyers cover the lender’s policy when financing a purchase. However, payment responsibility can be negotiated as part of the purchase agreement.

Common North Dakota Title Issues

Riverfront & Waterfront Properties

Properties near North Dakota’s rivers and lakes often carry riparian rights, floodplain restrictions, or dock permits that require detailed title review.

Urban Redevelopment Zones

Redevelopment areas may have tax increment financing (TIF) liens or special assessments tied to infrastructure improvements.

Agricultural & Greenbelt Land

Agricultural parcels may fall under land use restrictions or agricultural zoning covenants, impacting development or resale value.

Historical Downtown Districts

Older properties in central cities may involve century-old title records requiring careful tracing to confirm clear ownership and legal access.

Condominium & Mixed-Use Properties

North Dakota’s condominium and mixed-use laws include special requirements for declarations, association bylaws, and assessments that affect title transfers.

Comprehensive Title Services Across North Dakota

Residential & Commercial Closings

We coordinate closings for single-family homes, condominiums, commercial buildings, and investment properties statewide. Whether you’re refinancing or purchasing, our title experts ensure every step is handled precisely.

Title Insurance

Protect your ownership rights with both owner’s and lender’s title policies underwritten by leading national insurers.

Closings

Choose from in-office, mobile, or remote online notarization (RON) closings—whatever fits your schedule best.

Document Preparation

We prepare all required North Dakota–compliant closing documents, including deeds, affidavits, settlement statements, and transfer returns, ensuring accuracy and compliance.

How Secure Title Company Delivers Reliable Title Services in North Dakota

Title Order & Initial Review

Begin by opening your title order. We gather property details and assign a dedicated title officer to manage your transaction from start to finish.

Comprehensive Title Search & Examination

Our specialists conduct an in-depth search of county and municipal records, tax archives, and court filings. A licensed title examiner reviews the results and prepares a preliminary title report.

Issue Resolution & Title Commitment

We identify and resolve potential title defects—such as liens, encumbrances, or deed errors—before closing. Once clear, we issue a title commitment outlining your policy terms and next steps.

Closing Preparation & Coordination

We coordinate with lenders, real estate agents, and attorneys to prepare your documents and ensure seamless closing logistics.

Closing, Recording & Policy Delivery

On closing day, all documents are signed, funds are securely transferred through escrow, and ownership officially transfers. We record documents with the local register of deeds and deliver your final title insurance policy.

Serving All North Dakota Communities

Major Metropolitan Areas:

County Coverage:

Our Location

Phone-

(701) 367 6563

Email id-

info@securetitlecompany.com

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

Get Started in Three Easy Steps

Contact Us

Call, email, or complete our online form. We respond within two business hours.

We Handle Everything

Your title officer manages the process from search to closing.

Close with Confidence

Complete your transaction knowing your ownership rights are fully protected.

Frequently Asked Questions About Title Services in North Dakota

1. How long does a title search take in North Dakota?

A typical title search takes 5–7 business days. This includes examining county land records, court judgments, tax databases, and ownership history. Expedited searches can be completed in 2–3 days, while complex commercial or multi-owner properties may take longer.

2. What is the average closing time for North Dakota properties?

Most residential closings in North Dakota occur within 20–30 days after an offer is accepted. Cash purchases can often close in 10–14 days, while commercial transactions may take 30–45 days due to additional due diligence.

3. Do I need an attorney for a real estate closing in North Dakota?

No. North Dakota does not require an attorney to be present at real estate closings. Title companies are authorized to handle searches, escrow management, and document preparation. You may still choose to hire an attorney for added legal advice or complex matters.

4. What’s included in a North Dakota title search?

A complete title search includes review of:

County land and deed records
Mortgage releases
Tax records and delinquencies
Court filings for judgments or liens
Easements, covenants, or restrictions affecting property use

5. Can title issues delay my North Dakota closing?

Yes. Unresolved title issues—such as unpaid taxes, liens, or boundary disputes—can delay closing. Secure Title Company identifies and resolves these issues early so your transaction proceeds on schedule.

6. What happens if a title problem is discovered after I buy the property?

Your owner’s title insurance policy protects you from covered defects such as unknown heirs, forgery, or undisclosed liens. It covers both legal defense costs and financial loss up to the policy amount, for as long as you or your heirs own the property.

7. How much are closing costs in North Dakota?

Closing costs typically range between 2–5% of the purchase price. For a $300,000 home, expect about $6,000–$15,000. This includes title insurance, lender fees, escrow, recording, and transfer taxes. A detailed settlement statement is provided before closing.

8. What is the North Dakota Property Condition Disclosure?

Under state law, residential sellers must complete a Property Condition Disclosure Statement outlining known material defects (e.g., water damage, foundation issues). This promotes transparency and becomes part of the closing documentation.

9. Can I close remotely if I’m out of state?

Under North Dhaka law, residential sellers must complete a Property Condition Disclosure Report, outlining any known material defects such as water damage, foundation issues, or boundary disputes. This protects buyers by ensuring transparency and becomes part of the title documentation reviewed during the closing process. Commercial sellers are typically exempt from this requirement.

10. How do I get title insurance in North Dakota?

You can obtain title insurance through a licensed title company after your title search is complete. The company will review your property’s ownership history, issue a title commitment, and then provide a policy at closing that protects you from potential title defects or ownership disputes.

Ready to Start Your North Dakota Title Order?

Protect your property investment with North Dakota most trusted title services provider. Whether buying, selling, or refinancing, Secure Title Company delivers the expertise, accuracy, and security your closing deserves.