Service area

Where we issue title insurance

Statewide in North Carolina, with detailed guides for the counties where we field the most questions.

Where Ironwood issues title insurance

Short answer

Ironwood Title Group issues title insurance on residential property anywhere in North Carolina where the closing is handled by a North Carolina attorney. Title insurance premiums are the same statewide under the filed rate schedule; what changes from county to county is the Register of Deeds, the online records system and the property tax calendar.

We are based in Kannapolis, and we have written detailed guides for the counties where we see the most questions. Each county guide covers how the Register of Deeds works, where to search records online, and what the current revaluation cycle means for buyers and sellers at closing. We only publish a county page when we have something specific and sourced to say, so the list is short on purpose.

County guides

Mecklenburg County

Charlotte and the towns of Cornelius, Davidson, Huntersville, Matthews, Mint Hill and Pineville. Register of Deeds details and the 2027 revaluation.

Cabarrus County

Concord, Kannapolis and the rest of Cabarrus. CLaRIS records search, property notification alerts and the revaluation cycle.

Gaston County

Gastonia and the Gaston County towns. Register of Deeds hours and the January 1, 2027 reappraisal.

The premium. The NCTIRB schedule effective February 1, 2026 applies to any policy insuring land in North Carolina. NCTIRB rate manual, effective Feb 1, 2026
The attorney's role. Title examination and the legal parts of the closing are done by or under the supervision of a licensed NC attorney. NC State Bar, Authorized Practice Advisory Opinion 2002-1
The independent opinion. The insurer must have an independent NC attorney's title opinion before issuing a policy. N.C. Gen. Stat. 58-26-1
The excise tax. $1 per $500 of consideration on a deed, paid by the transferor to the Register of Deeds. N.C. Gen. Stat. 105-228.30
Your choice. You may choose the title insurance company you want. NC Department of Insurance, Title Insurance

What changes by county

County-level differences that affect a closing
Topic	Why it matters for title	Where to look
Register of Deeds	Where deeds and deeds of trust are recorded, and the hours and fee rules for recording	Each county guide below
Online records	How far back the searchable index goes, which affects how an older chain of title is reviewed	County Register of Deeds website
Revaluation year	New assessed values can change the property tax figures used at closing	County tax administration
Fraud alerts	Some counties let owners sign up for alerts when a document is recorded in their name	County Register of Deeds

Other counties

If your property is in another North Carolina county, the process is the same: your closing attorney examines title and sends us the order, and we issue the commitment and policies. Email orders@ironwoodtitlegroup.com with the county and we will confirm we can issue on the file. We will add county guides as we can source the details.

How the county pages are written

A title insurance policy works the same way across North Carolina: one statewide rate manual, one set of statutes on attorney examination and the same federal disclosure rules. NCTIRB rate manual, effective Feb 1, 2026 N.C. Gen. Stat. 58-26-1 What differs is the local record system, the Register of Deeds office, how far back records can be searched online and the timing of property revaluations. Our county pages cover those differences and link to the county offices that publish them, so you can check every detail yourself.

We only publish a county page when there is something genuinely specific to say, such as a recording system, an alert service or a revaluation date. For counties without a page, the statewide guides apply:

Statewide numbers that do not change by county

The premium tiers, the $56 minimum premium, the $28.50 simultaneous loan policy charge and the 50% reissue rate apply in every county, and so does the deed excise tax of $1 per $500 paid by the seller. N.C. Gen. Stat. 105-228.30 Local recording fees, attorney fees and property tax prorations do vary, and are shown on your Closing Disclosure rather than estimated here.

Why there are only three county pages

We would rather publish three county guides with verifiable, local detail than a hundred near identical pages that change only the county name. As we confirm local recording details for other counties, we will add them. Until then, everything on the statewide pages applies, and your closing attorney is the best source for local practice in the county where your property sits.

How to use the county guides

Each county guide has the same three parts: where documents are recorded and when the office is open, how public records can be searched online, and what is changing locally, such as a revaluation. Use them to understand what your attorney is looking at, not to search title yourself. A title opinion depends on an attorney's examination of the full chain of title, and an online index is only one tool in that work. N.C. Gen. Stat. 58-26-1

If your property is in a county we have not covered, the Register of Deeds and tax office for that county publish their own hours, fee schedules and search tools. Your attorney will know which of those matter for your file. For a premium estimate, the calculator works for every county because the rates are statewide. If you have a question we can answer, email orders@ironwoodtitlegroup.com.

Recording offices and the date of your coverage

Your owner's policy speaks as of a date and time tied to recording. That is why the attorney updates the search right before recording and why a deed recorded in the wrong county, or with a missing page, can matter. The county guides list each office's hours because documents that miss the recording cutoff are recorded the next business day.