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Your Trusted Title Insurance Partner in Montana
At Treasure State Title, we were founded with a clear mission: to provide residents of Hill and Blaine Counties with exceptional title insurance and real estate settlement services. Our locally owned and operated business maintains offices in both Chinook and Havre, Montana, allowing us to serve clients across residential, commercial, and agricultural sectors. With decades of combined experience in the title industry, our team of certified professionals brings deep expertise to every transaction. We specialize in navigating complex title searches, resolving potential ownership disputes, and offering comprehensive title insurance policies that protect both property owners and lenders.Our commitment to personalized service means we work closely with clients to explain every step of the settlement process, ensuring complete transparency and understanding. We pride ourselves on our ability to accommodate busy schedules, offering flexible appointment times including evenings and weekends. As a trusted partner in real estate transactions, we maintain strict adherence to industry regulations and ethical standards while prioritizing client satisfaction through clear communication and timely service delivery.
Services
Real Estate Settlement
Title Insurance
Residential Title Insurance
Commercial Title Insurance
Agricultural Title Insurance
Title Search Services
Escrow Services
Property Deed Transfer
Title Defect Resolution
Lender Title Insurance
Highlights and features
- We offer personalized title insurance solutions tailored to Montana's unique property landscape
- Our team provides 24/7 emergency service availability for urgent real estate transactions
- We maintain a perfect closing record across thousands of Montana property transactions
- Our local expertise spans both residential and agricultural property markets in northern Montana
- We guarantee transparent fee structures with no hidden costs in our title services
What people say
Went above and beyond
Friendly and professional
Passionate team
Accommodate hectic schedules
Best source for title insurance
Services
Real Estate Settlement
Our real estate settlement services ensure smooth property transactions through expert coordination of all closing documents and legal requirements. We provide comprehensive title verification, escrow management, and final documentation processing while maintaining strict compliance with Montana real estate regulations. Our experienced team works directly with buyers, sellers, and lenders to guarantee all financial aspects are properly executed.
Title Insurance
We offer both owner's and lender's title insurance policies that protect against potential title defects and legal claims. Our coverage safeguards against issues like forged documents, undiscovered liens, and ownership disputes. Each policy includes thorough title research and risk assessment tailored to Montana's specific property laws and land history.
Residential Title Insurance
Specialized title insurance solutions for residential property transactions protect homeowners from financial loss due to title defects. Our policies cover common risks including boundary disputes, unpaid property taxes, and undisclosed easements. We provide clear explanations of coverage details and work directly with mortgage lenders to ensure complete protection for home buyers.
Commercial Title Insurance
Comprehensive title insurance for commercial property transactions includes protection against complex title issues specific to business properties. Our coverage addresses zoning violations, environmental liens, and leasehold disputes while providing additional endorsements for unique commercial property requirements. We work closely with business owners and commercial lenders to ensure complete risk mitigation.
Agricultural Title Insurance
Tailored title insurance solutions for agricultural properties address Montana's unique land use regulations and water rights issues. Our policies protect against risks specific to rural properties including irrigation district liens, mineral rights disputes, and agricultural easements. We provide specialized expertise in navigating title complexities for farmland and ranch transactions.
People
Steve Zellmer
Owner/Title Agent
With over 25 years of title industry experience, Steve Zellmer oversees all title examinations and insurance policies. He ensures compliance with Montana's specific title regulations while maintaining the company's commitment to thorough due diligence and client education throughout the settlement process.
Lesley Zellmer
Owner/Escrow Officer
Lesley Zellmer manages escrow accounts and financial aspects of real estate transactions. Her expertise in Montana's escrow regulations ensures secure handling of funds while maintaining transparent communication with all parties involved in property transfers and title insurance policies.
Julie Smith
Senior Escrow Officer
As Havre Office Manager, Julie Smith coordinates settlement logistics and client scheduling. Her 15+ years in Montana real estate transactions provide valuable insight into local property issues while ensuring efficient processing of title insurance applications and closing documentation.
Theresa Zarn
Title Processor
Theresa Zarn handles title research and document preparation for all property transactions. Her attention to detail in examining historical property records helps identify potential title issues early in the process, ensuring smoother closings for residential and commercial clients across northern Montana.
Questions
What does title insurance protect against?
Title insurance protects against financial loss from title defects like forged documents, undiscovered liens, ownership disputes, and unpaid property taxes that may affect property ownership rights.
Is title insurance required for property purchases?
While owner's title insurance is optional, lender's title insurance is typically required for mortgage transactions. Both policies protect against potential title issues that could affect property ownership.
How long does title insurance coverage last?
Owner's title insurance lasts as long as you own the property. Lender's policies remain in effect until the mortgage is fully paid off.
Can I choose my own title company?
Yes, Montana law allows property buyers to select their preferred title insurance provider rather than using the seller's or lender's recommended company.
What happens during a real estate settlement?
During settlement, all parties sign legal documents transferring property ownership, final funds are collected and distributed, and title insurance policies are issued to protect the new owner and lender.
How do I schedule a closing appointment?
Contact our Havre or Chinook office to schedule appointments during regular business hours, with flexible evening and weekend options available to accommodate client schedules.
