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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