The buyer or the bank can transfer the title. Lenders normally complete this automatically at no cost. Otherwise recording it can be done at the county court house for less than $50 in most areas.  What is more important than the “Title” is the “Deed”. Title companies do not hold the Deed to any property, the bank that owns the mortgage does. The deed will not be placed in the owners name until the balance is paid in full and the bank has filed a “satisfaction of mortgage” on the home.

All deeds are public records.