One team, start to finish
Your closing is handled by our Jacksonville team wherever the property is. Melissa is your first contact, and the same people stay with you through recording.
Satellite Office · By Appointment
Fernandina Beach
Our Fernandina Beach satellite office offers closings by appointment, coordinated by our Jacksonville team. We provide title and closing services for purchases, sales, and refinances in every Florida county.
We'd love to work with you.
Guardian Title & Trust is an independently owned title and settlement business serving Florida counties from Jacksonville and Fernandina Beach. Whether you are buying, selling or refinancing, the team can help you understand the process and take the next step.
- How it works
Our Fernandina Beach office is staffed for scheduled closing appointments only. Call our Jacksonville team at (904) 992-1162 and ask for Melissa Eaton to arrange a convenient time to meet us here.
Estimate your closing costs- Where to find us
- 95758 Amelia ConcourseFernandina Beach, FL 32034Parking is right outside, and we're on the ground floor. Directions
- Binder deposits & closing funds
Binder deposits (earnest money) and cash-to-close funds can be submitted through CertifID or sent by wire. Contact our Jacksonville team for payment instructions so you can submit funds without visiting the satellite office.
Before wiring funds, always call our office using a trusted, independently verified phone number to confirm the wiring instructions.
- What to bring
- Please bring two forms of government-issued identification and any additional documents requested by our team.
- Closing funds can be submitted through CertifID or by wire. Before sending funds, always call our office using a trusted, independently verified phone number to confirm the wiring instructions.
Title and closing services across Florida.
Residential and commercial title and settlement.
- PurchasesTitle search, commitment, closing and policy for buyers and sellers.
- RefinancesLender's policy, payoff and closing for your new loan.
- Lots/LandTitle and closing for vacant land and building lots.
- New ConstructionClosings with builders, from the lot purchase to the finished home.
- RelocationCoordinated closings for buyers and sellers moving into or out of Florida.
- 1031 ExchangesClosings coordinated with your qualified intermediary and its deadlines.
- Residential and CommercialHomes, condos, multi-family and commercial property.
- Traditional Sales and Cash TransactionsFinanced or cash, with the same care at the table.
Closing anywhere in Florida.
Our offices are in Jacksonville and Fernandina Beach. Our closings reach every Florida county.
Signing where you are
Sign at either of our offices, or we arrange a signing near you with a mobile notary. Where your lender and transaction allow, remote online notarization lets you sign from home.
Funds and documents, securely
Binder deposits and closing funds can be submitted through CertifID or sent by wire. Documents move by secure email, and we confirm every wiring instruction by phone.
Your closing, step by step.
Whether you're buying, selling, or refinancing, our team coordinates the details and keeps you informed throughout your transaction.
- 01
Getting started
We receive your purchase contract or refinance order, open your file, and confirm key details. We use CertifID to help verify identities and securely exchange banking information, adding a layer of protection against wire fraud.
- 02
Title search & review
We examine public records to review ownership, liens, and other matters affecting the property. Our team identifies the items that need attention before closing.
- 03
Title commitment
The title commitment outlines the requirements for issuing title insurance and the exceptions to coverage. We work with the parties involved to address the required items and keep your transaction moving.
- 04
Preparing for closing
We coordinate the closing documents and review the financial details. Before sending funds by wire, always call our office using an independently verified phone number to confirm the wiring instructions.
- 05
Signing your documents
We arrange your signing appointment at our Jacksonville or Fernandina Beach office, confirm what to bring, and guide you through the closing paperwork.
- 06
Final details & follow-through
Our team handles document recording, authorized disbursement of funds, and issuance of the applicable title insurance policies. We follow through on the remaining details after signing.
General information, not legal advice. Steps may overlap, and timing varies by transaction.
Meet our team.
Melissa Eaton
Closing & Processing Manager
Your first contact for quotes and questions.
Michael Coonan
Title & Closing Agent
License A054100
Abby Culbertson
Processor
Yuliia Hvozdieva
Post-Closer
Heather Nelson
Title and Escrow Agent
License E159610
What clients say.
★★★★★
Guardian Title goes above and beyond to make sure that everything goes smoothly.
★★★★★
I had the pleasure of working with Melissa at Guardian Title & Trust. She was outstanding.
★★★★★
I had a great experience working with Guardian Title & Trust on a recent transaction.
★★★★★
Melissa and Mike are top notch!
★★★★★
Without a doubt, one of my most valued and trusted business partnerships.
Wire safety
WARNING – FRAUDULENT FUNDING INSTRUCTIONS Email hacking and fraud are on the rise to fraudulently misdirect funds. Please call your escrow officer immediately using contact information found from an independent source, such as the sales contract or internet, to verify any funding instructions received. We are not responsible for any wires sent by you to an incorrect bank account.
An added layer of protection for your funds
Guardian Title & Trust uses CertifID as part of our commitment to preventing wire fraud. Its secure platform helps verify identities and bank account information and provides a protected way to share wiring instructions.
Combined with our team's verification procedures, these safeguards help reduce the risk of impersonation and fraudulent wiring instructions during your purchase, sale, or refinance.
Before sending funds by wire, always call our office using a trusted, independently verified phone number to confirm the wiring instructions.
Questions we hear most.
How do I submit my binder deposit?
Binder deposits (earnest money) can be submitted through CertifID or sent by wire. Contact our Jacksonville team for payment instructions.
How do I send my closing funds?
Closing funds can be submitted through CertifID or by wire. Before sending funds, always call our office using a trusted, independently verified phone number to confirm the wiring instructions.
What is CertifID?
A secure platform we use to verify identities and bank account information and to share wiring instructions safely. It adds a layer of protection against wire fraud.
What identification do I need at closing?
Please bring two forms of government-issued identification and any additional documents requested by our team.
How do I schedule my signing appointment?
Call our Jacksonville team at (904) 992-1162 and ask for Melissa Eaton. We sign at our Jacksonville office, by appointment at Fernandina Beach, or near you anywhere in Florida.
What happens after closing?
We disburse funds as authorized, record the documents with the county, and issue the title insurance policies. Recording usually takes a few days, and your policy follows.
How do I get a copy of my title policy or recorded deed?
Call (904) 992-1162 and ask for Yuliia, our post-closer, or Melissa. We will send you a copy and answer any follow-up questions.
Let's talk.
Whether you're buying, selling, or refinancing, we're here to answer your questions and help you get started.
Call (904) 992-1162 and ask for Melissa Eaton, or send us a message using the form below.
Fax (904) 992-1169