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

Seller closing costs in The Acreage look much like those in the rest of Palm Beach County on paper. In practice, though, land changes the details. Most homes sit on large lots with private wells and septic systems, roads and canals are run by a special district, and outbuildings are common. Each of those can add a line to your settlement statement or a request from the buyer. This guide covers what you will pay, what the buyer may ask for, and how a sample net sheet works out.

Key takeaways

• In Q4 2025, The Acreage recorded 185 single-family sales at a median of $662,500, up 4.0% from a year earlier, according to Miami Realtors.
• Florida's deed tax is 70 cents per $100 of the price, or $4,637.50 on a $662,500 sale.
• Sellers in Palm Beach County customarily pay for the owner's title policy, and the state sets the premium.
• Indian Trail Improvement District assessments show up on the property tax bill, so they flow into the tax proration.
• Barns, sheds and additions built without permits are a frequent cause of delay in rural sales.

Where The Acreage is and why it matters

The Acreage is an unincorporated community in central western Palm Beach County. The Census Bureau tracks it as a census-designated place, and it had 41,654 residents in the 2020 Census. It has no city government of its own, so building permits and code issues go through Palm Beach County. Its boundaries overlap with the Loxahatchee mailing area, so neighbors on the same road may describe their address differently.

Lots here were platted large, many at about 1.25 acres. Homes usually rely on private wells and septic tanks instead of city water and sewer. That gives buyers room for horses, boats and workshops. It also means buyers and their inspectors look at things suburban buyers skip.

Market numbers behind seller closing costs in The Acreage

According to Miami Realtors, 185 single-family homes sold in The Acreage in Q4 2025 at a median of $662,500. Homes went under contract in a median of 57 days, sellers received a median of 95.7% of their original list price, and supply stood at 4.6 months.

As of October 1, 2026, Pure Equity's MLS data showed 161 active residential listings. The median list price was $749,900, or $356 per square foot, and those listings had been active an average of 86 days. These are asking prices on active listings, not sale prices.

The core seller closing costs in The Acreage

These lines appear on nearly every sale, rural or not.

Commission

Commission is the largest cost for most sellers and is fully negotiable. Since the 2024 National Association of Realtors settlement, buyer's agent pay is no longer advertised on the MLS. Instead, you decide in writing with your listing agent what you will pay and whether to offer anything to the buyer's side. Land-savvy marketing, such as drone photos and clear lot details, is worth asking about when you compare agents.

Deed tax

Florida's documentary stamp tax is 70 cents per $100 of the price, rounded up. The Florida Department of Revenue holds all parties liable, but Palm Beach County sellers customarily pay it.

Owner's title policy

By local custom, the seller pays for the owner's title policy and picks the closing agent. The rate is set by state rule at $5.75 per $1,000 for the first $100,000 of coverage and $5.00 per $1,000 up to $1 million. Endorsements cost extra.

Settlement and lien search

The closing agent charges a settlement fee and orders a lien search. For an unincorporated address, that search looks at county records for open permits, code cases and special assessments. Ask for a written quote from the agent before you sign anything.

Rural items that affect seller closing costs in The Acreage

These items are less common elsewhere in the county. They may not appear as fees, but they can shape your final number.

Indian Trail Improvement District assessments

The Indian Trail Improvement District, or ITID, is a special district run by an elected board. It maintains drainage canals, swales, road grading and a set of parks across a 37-square-mile area that includes The Acreage. Its charges appear on your property tax bill as non-ad valorem assessments. As a result, they are part of the tax proration at closing, not a separate fee.

Well and septic

Most buyers order well water tests and a septic inspection. If the drain field is failing or the water needs treatment, expect a request for a repair or a credit. Having recent pump-out records ready helps the buyer feel at ease and can keep credits small.

Barns, sheds and additions

Large lots invite extra buildings. If a barn, garage, pool or addition was built without a county permit, the lien search or a buyer's review may find it. Getting an old structure permitted after the fact can take time. So check your permit history before listing.

Survey and boundaries

Under the standard Florida contract, the buyer usually pays for a new survey. Still, fence lines, easements and canal right-of-way can raise questions on big lots. If you have an older survey, share it early.

HOA items in seller closing costs in The Acreage

Some homes in The Acreage sit in a subdivision with a homeowners association. Check your deed and title records to be sure. If you do have one, the association must issue an estoppel certificate before closing. Florida caps the fee at $250 for a current account, plus up to $100 for rush delivery and up to $150 if the account is past due.

Prorations in seller closing costs in The Acreage

Florida property taxes are paid in arrears, with discounts of 4% in November falling to 1% in February. At closing, you credit the buyer for each day you owned the home this year. Because the ITID assessment rides on the same bill, it is split in the same step. Finally, your lender's payoff letter sets the amount needed to clear the mortgage.

Sample net sheet for seller closing costs in The Acreage

The figures below show the math and are not a quote. Picture a home on 1.25 acres that sells for $662,500, the Q4 2025 median. It has no HOA, closes on May 31, and the seller owes $280,000.

• Sale price: $662,500
• Commission: your negotiated rate, shown here as X% of the price ($6,625 for each percentage point)
• Documentary stamp tax (6,625 x $0.70): $4,637.50
• Owner's title policy (base rate): $3,387.50
• Settlement, lien search and recording (assumed): $1,500
• Property tax proration, including ITID (assume $11,000 a year, 151 days): about $4,551
• Mortgage payoff (assumed): $280,000

Leaving commission aside, costs before the payoff come to about $14,076, or 2.1% of the price. After the payoff, the seller nets about $368,424, minus the commission set in the listing agreement.

Leave room for land-related credits

This example has no credits. In a rural sale, though, a septic repair or water treatment request is common. A seller who budgets a cushion for that will not feel squeezed late in the deal.

Equipment, fencing and what stays

Rural sales often include things a suburban sale never does. Think of a tractor, a horse trailer, paddock fencing, a generator or a water softener. Write down in the contract which items stay with the land and which leave with you. If a buyer wants to purchase equipment, handle it in a separate bill of sale, so the price of the house stays clean for the lender and the appraiser.

Also, check how your fences sit against the lot lines. A fence that crosses onto a neighbor's parcel or a canal easement can show up on the buyer's survey. Fixing that before closing is usually cheaper than a last-minute credit.

Ways to cut seller closing costs in The Acreage

• Negotiate commission and buyer's agent terms before you list.
• Pump and inspect the septic ahead of time, and keep the receipt.
• Test the well so you know the results before the buyer does.
• Close open permits on outbuildings, pools and additions.
• Time the closing early in the year to shrink the tax proration.

For statewide customs, read our guide to who pays closing costs in Florida. You can also plug in your own numbers with our seller cost calculator or view listings on the The Acreage area page.

Frequently asked questions

What do seller closing costs in The Acreage add up to?

Not counting commission, the example above came to about 2.1% of the price before the loan payoff, without repair credits. Commission is added on top at whatever rate you negotiate.

Is The Acreage the same as Loxahatchee?

Not exactly. The Acreage is an unincorporated community that overlaps the Loxahatchee mailing area. Loxahatchee Groves, by contrast, is a separate incorporated town.

Who pays for the well and septic inspection?

The buyer usually pays for inspections. The seller may then face a repair request or credit if problems turn up.

Do I pay ITID fees at closing?

ITID assessments are on the property tax bill, so they are prorated with your taxes instead of charged as a separate closing fee.

Who pays title insurance in The Acreage?

By Palm Beach County custom, the seller pays for the owner's policy. The buyer pays for the lender's policy, and the contract can change either one.

Sources

• Pure Equity, The Acreage market data (as of October 1, 2026)
• Miami Realtors, Palm Beach County single-family metrics, Q4 2025
• 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 House of Representatives, CS/HB 1185 (2021) analysis, Indian Trail Improvement District
• U.S. Census Bureau, 2020 Census redistricting data for Florida (The Acreage CDP)
• Palm Beach County, planning document on 1.25-acre lots
• Florida Statutes 720.30851, HOA estoppel certificates
• Florida Statutes 197.162, property tax discounts
• National Association of Realtors, settlement FAQs

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 land and a home in The Acreage? A Pure Equity agent will build a personalized seller net-proceeds sheet for your property, including well, septic and ITID items, at no cost. Request your net sheet or check your home's value. Want room to roam as a buyer? Talk with a buyer's agent about acreage homes for sale.