Seller Closing Costs in Tequesta: What You'll Pay and What You'll Net

Seller closing costs in Tequesta follow the same Florida rules as anywhere else in Palm Beach County, but the village's small size and its water make a few lines stand out. With only a few dozen house sales in a quarter, a single sale can move the median a lot. On top of that, river and canal homes bring dock, seawall and flood questions that inland sellers rarely face. This guide covers each cost, then works through a sample net sheet.

Key takeaways

• Miami Realtors counted just 24 single-family sales in Tequesta in Q4 2025, at a median of $906,000. With a sample that small, treat the median as a rough guide.
• Florida's deed tax is 70 cents per $100 of the price, or $6,342 on a $906,000 sale.
• Palm Beach County custom has the seller pay for the owner's title policy, and the state sets the premium.
• Florida now requires a flood disclosure form from residential sellers, which matters for a village on the Loxahatchee River.
• Open permits for docks, lifts or seawalls are a common reason waterfront closings slip.

Tequesta's size and seller closing costs in Tequesta

Tequesta is a village of 6,158 people (2020 census) at the northern edge of Palm Beach County. It sits where the Loxahatchee River meets the Intracoastal, just north of Jupiter and just south of the Martin County line. Homes range from older single-family houses on canals and the river to condos and inland streets with no water at all.

Because it is so small, the village sees few sales each month. For a seller, that has two effects. First, comparable sales are thin, so pricing takes more care. Second, the costs tied to price, such as commission and deed tax, can swing widely between a dry lot and a deepwater home.

Recent sales data, with a caution

Miami Realtors reported 24 single-family sales in Tequesta in Q4 2025. The median price was $906,000, down 15.7% from a year before. Homes went under contract in a median of 64 days, sellers received a median of 90.3% of their original list price, and supply was 2.5 months. On the condo side, 22 sales closed at a median of $425,450.

Pure Equity's MLS data as of October 1, 2026 showed 98 active residential listings, a small sample. The median list price was $700,000, or $439 per square foot, and active listings had been on the market an average of 85 days. These are asking prices that mix condos and houses, which is why the figure sits below the house sale median.

For context, Palm Beach County single-family homes sold for a median of $650,000 in August 2026, according to Miami Realtors.

The fixed seller closing costs in Tequesta

Most sellers will see every one of these lines on the settlement statement.

Commission

This is usually the biggest single cost. It is negotiable, and after the National Association of Realtors settlement in 2024, buyer's agent pay is no longer offered through the MLS. You set the terms with your listing agent in writing, including any amount you offer toward the buyer's agent.

Documentary stamps on the deed

Florida charges 70 cents per $100 of price, rounded up, when the deed is recorded. The Department of Revenue makes all parties liable. However, sellers in Palm Beach County customarily pay it, and the standard contract reflects that.

Owner's title insurance

In Palm Beach County, the seller typically pays for the owner's policy and picks the closing agent. Florida sets the premium: $5.75 per $1,000 for the first $100,000, $5.00 per $1,000 up to $1 million, and $2.50 per $1,000 from $1 million to $5 million. So a riverfront sale above $1 million pays a lower rate on the top slice.

Settlement and lien search

The closing agent charges a settlement fee and usually orders a municipal lien search. That search looks for unpaid utility charges, code cases and open permits with the village. Recording fees for your mortgage release are small. Ask for a written fee sheet so you can compare.

Waterfront items in seller closing costs in Tequesta

These are the lines and risks most tied to Tequesta's location on the water.

Dock, lift and seawall permits

Buyers of canal and river homes look closely at docks, boat lifts and seawalls. If any were built or repaired without a final permit, the lien search may flag it. Closing an old permit can take weeks and may need an engineer. So pull your permit history before you list, not after a buyer finds the gap.

Flood disclosure

Since October 1, 2025, Florida requires residential sellers to give buyers a flood disclosure form at or before the contract. It asks about flood insurance claims, federal flood aid and known flooding during your ownership. There is no fee, but leaving it out can create a dispute later. The village's flood information page and the FEMA flood map can help you answer it.

Repair credits after inspection

Seawall wear, older roofs and salt air on outdoor equipment are common inspection findings near the water. Buyers often ask for a credit instead of a repair. Plan a cushion for that in your net sheet.

HOA and condo seller closing costs in Tequesta

Many Tequesta houses are not in an association, but condos and some neighborhoods are. If yours is, the association issues an estoppel certificate before closing. Florida caps the fee at $250 for a current account. Rush delivery can add $100, and a past-due account can add up to $150.

Condo sellers in buildings of three stories or more should also have the latest milestone inspection paperwork ready, since buyers and lenders ask for it.

How prorations change seller closing costs in Tequesta

Florida property tax bills go out in the fall and are paid in arrears, with an early-payment discount of up to 4%. Because of that, the closing agent credits the buyer for your share of this year's tax, from January 1 to closing day. Dues are split in a similar way. Then your lender's payoff letter sets the amount needed to clear your loan.

Seasonal and out-of-area owners

Some Tequesta homes belong to owners who live elsewhere part of the year. If that is you, you can usually sign closing papers by mail with a notary, so you do not need to fly in. Ask the closing agent early, since mail-away packages take extra days.

Sellers who are not U.S. persons for tax purposes face one more item. Under FIRPTA, the buyer must generally withhold 15% of the amount realized and send it to the IRS, with some exceptions. The closing agent handles the paperwork, but talk to a tax adviser before you list so the withholding does not catch you off guard.

Sample net sheet for seller closing costs in Tequesta

This example only shows the math. It is not a quote. Assume a canal home sells for $906,000, the Q4 2025 median. It is not in an HOA, closes on March 31, and the seller owes $300,000 on the mortgage.

• Sale price: $906,000
• Commission: your negotiated rate, shown here as X% of the price ($9,060 for each percentage point)
• Documentary stamp tax (9,060 x $0.70): $6,342
• Owner's title policy (base rate): $4,605
• Settlement, lien search and recording (assumed): $1,500
• Property tax proration (assume $13,500 a year, 90 days): about $3,329
• Mortgage payoff (assumed): $300,000

Leaving commission aside, costs before the payoff total about $15,776, or 1.7% of the price. After the payoff, the seller nets about $590,224, minus the commission set in the listing agreement. A spring closing helps here, since only 90 days of tax are owed.

A condo comparison

A condo at the Q4 2025 median of $425,450 would pay X% in commission as negotiated ($4,254.50 per percentage point), $2,978.50 in deed tax, $2,202.25 for the title policy, $250 for the estoppel and around $1,500 in settlement fees. Without commission, that is about $6,931, or 1.6%, before prorations.

Lowering seller closing costs in Tequesta

• Agree on commission early and put it in the listing agreement.
• Finish open permits on docks, lifts, seawalls and roofs before you list.
• Fill out the flood form carefully and keep records of any claims.
• Order HOA or condo papers early to skip the rush fee.
• Price with care. With few comparable sales, a well-supported price avoids later cuts.

For statewide rules, see our guide to who pays closing costs in Florida. You can also estimate your own figures with the seller closing cost calculator or browse listings on our Tequesta page.

Frequently asked questions

How much are seller closing costs in Tequesta?

Not counting commission, the canal home example above came to about 1.7% of the price before the mortgage payoff. Commission is added on top at whatever rate you negotiate.

Is Tequesta in Palm Beach County or Martin County?

Tequesta is in Palm Beach County. Its northern edge meets the Martin County line, so some nearby addresses fall under Martin County custom and records.

Who pays for title insurance in Tequesta?

By Palm Beach County custom, the seller pays for the owner's policy and chooses the closing agent. The contract can change that.

Does a dock permit problem stop a sale?

It can delay one. Many buyers and lenders want open permits closed before funding, so fix them early.

Do I need to disclose past flooding?

Yes. Florida's flood disclosure form asks about claims, federal aid and known flooding during your ownership.

Sources

• Pure Equity, Tequesta market data (as of October 1, 2026)
• Miami Realtors, Palm Beach County single-family metrics, Q4 2025
• Miami Realtors, Palm Beach County condo and townhouse metrics, Q4 2025
• Miami Realtors, Palm Beach County August 2026 market report
• Florida Department of Revenue, documentary stamp tax
• Florida Administrative Code Rule 69O-186.003, title insurance rates
• Kelley, Grant and Tanis, title insurance custom in Palm Beach County
• Florida Statutes 689.302, flood disclosure
• Florida Statutes 720.30851, HOA estoppel certificates
• Florida Statutes 553.899, milestone inspections
• Village of Tequesta, flood information
• FEMA Flood Map Service Center
• National Association of Realtors, settlement FAQs
• IRS, FIRPTA withholding
• BEBR, University of Florida, Florida Population: Census Summary 2020 (2020 Census counts)

This article is general information, not legal, tax or financial advice. Fees and customs vary by contract, so confirm every figure with your closing agent, attorney or tax adviser.

Selling a home in Tequesta? A Pure Equity agent will prepare a personalized seller net-proceeds sheet, including dock and HOA items, with no obligation. Request your net sheet or get a home value estimate. Hoping to buy on the river instead? Talk with a buyer's agent about what is available.