Florida Specific
Florida Title Fees Calculator
Doc stamps, intangible tax, title insurance at Florida's promulgated rate, and recording fees, broken down by county.
Transaction Details
Florida Title Fee Breakdown
Palm Beach County · Based on Florida OIR promulgated rates
Total Title & Tax Fees
$8,925
Documentary Stamp Taxes
Doc Stamps on Deed
$0.70 per $100 × $500,000 purchase price
$3,500
Doc Stamps on Mortgage
$0.35 per $100 × $400,000 loan amount
$1,400
Intangible Tax on Mortgage
0.20% × $400,000 loan amount
$800
Title Insurance (Florida Promulgated Rates)
Owner's Title Insurance
FL OIR promulgated rate schedule
$2,575
Lender's Title Insurance (Simultaneous Issue)
Simultaneous issue endorsement
$400
Recording Fees
Recording Fees (deed + mortgage)
County clerk recording: $10 first page, $8.50 per additional
$250
Who Pays What in Florida?
| Item | Typical Payor | Notes |
|---|---|---|
| Doc Stamps on Deed | Seller | State law customarily places this on the seller |
| Doc Stamps on Mortgage | Buyer | Buyer pays since they're the borrower |
| Intangible Tax | Buyer | Borrower pays on their mortgage note |
| Owner's Title Insurance | Buyer (North FL) / Seller (South FL) | In Palm Beach, Broward, Miami-Dade, seller typically pays |
| Lender's Title Insurance | Buyer | Required by lender; buyer always pays |
| Recording Fees | Buyer | Buyer records the deed and mortgage |
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How the Florida title fees calculator works
This tool totals the state-set costs to record a Florida purchase. It adds documentary stamp tax on the deed ($0.70 per $100 of price, except Miami-Dade at $0.60 plus a $0.45 surtax on non-single-family), doc stamps on the note ($0.35 per $100 of the loan), intangible tax ($0.002 of the loan), the promulgated owner's title premium, and clerk recording fees ($10 first page, $8.50 each added page).
On a $650,000 Boca Raton home with a $520,000 loan in Palm Beach County: deed stamps run $4,550, note stamps $1,820, and intangible tax $1,040. The owner's title premium is $575 on the first $100,000 plus $5.00 per $1,000 above that, or $3,325. With recording fees, state and title charges total roughly $10,750 before other closing line items.
Title premiums are promulgated, so every Florida agency charges the identical rate for identical coverage, and doc stamp plus intangible taxes are fixed by statute. Across the eight South Florida counties we serve, Miami-Dade is the one exception on deed stamps. Knowing these numbers early helps buyers and sellers negotiate who pays what and avoid surprises at the closing table.