Who pays for the owner’s policy in Lauderhill?
The buyer customarily pays for the owner’s policy in Lauderhill.
That is the custom in Broward County, and so in Lauderhill. Custom is not law. The purchase contract decides it, and in a negotiated deal either side can end up paying. Read the contract before assuming which line it falls on.
Who chooses the title company. The buyer customarily chooses the closing agent, the title company, in Broward County, and so in Lauderhill. That is a custom of its own: the side that pays for the owner’s policy usually brings the closing agent, and the contract can put either on either side.
That is the custom as we see it on our own files, confirmed on November 3, 2026. It is a report of what is usual, not a rule, and not a promise about your contract.
How the custom runs in the other counties is on who pays for title insurance in Florida, and what each side can insist on is on who chooses the title company.
What title insurance costs on a Lauderhill purchase
The same as anywhere in Florida — the premium is promulgated.
- Owner’s policy, $500,000
- $2,575
- Original rate, R. 69O-186.003(1)(a)
- At the reissue rate
- $1,530
- Where the prior title was insured and conditions are met
- Lender’s policy alongside
- $125
- Our charge; the rule’s minimum is $25
The Office of Insurance Regulation sets it by rule under Fla. Stat. § 627.782, so the premium on a Lauderhill policy is the figure it would be anywhere in the state. The Florida title insurance calculator, set to Broward County, works the premium out, Florida title insurance rates prints the schedule in full with the rule beside it, and the closing cost calculator for a Lauderhill address prices a specific one off the Broward County property appraiser’s record.
More detail on what title insurance costs
The reissue rate applies where the owner’s or the seller’s own title was insured and the rule’s conditions are met. The rule sets $25 as the least a lender’s policy issued at the same time can be. That $25 is a minimum, not a price: Bayit Title charges $125 to issue the policy alongside the owner’s, and that is the figure the estimate prints. Where the loan is larger than the owner’s amount, the coverage above it adds the difference between the original rate at the loan amount and at the owner’s amount.
Read from Fla. Admin. Code R. 69O-186.003 on September 14, 2026. The rule was last amended January 27, 2002. Tell us if a figure here does not match what you are quoted and we will check it against the rule again.
Documentary stamp tax on a Lauderhill sale
Taxed by the state, at the rate that applies in Broward County.
This is the rate in 66 of the 67 counties; Miami-Dade is the exception. The stamps are charged on each part of $100, so they round up. Which side pays each is decided by the purchase contract.
A cash purchase carries neither mortgage tax. The Florida doc stamp tax calculator, set to Broward County, works it out for a specific price and loan.
More detail on documentary stamp tax
Deed stamps. 70¢ per $100 of consideration, or part of $100. Charged on each part of $100, so the figure rounds up, not down.
Mortgage stamps. 35¢ per $100 of the amount secured, or part of $100. The $2,450 cap in § 201.08(1)(a) is on the tax on a note or other written obligation to pay money. There is no cap on the tax on a mortgage recorded against Florida property.
Intangible tax. 2 mills on each dollar secured — $2 per $1,000. One time, on the obligation the mortgage secures.
Each figure was read from the statute that sets it on September 14, 2026 and is linked to its section. Which county ch. 83-220 describes comes from the Department of Revenue’s documentary stamp tax guidance. Rates change by act of the Legislature — if one of these no longer matches what you are being charged, tell us and we will correct it.
Where a Lauderhill deed is recorded
Lauderhill is in Broward County, so the deed records with the Broward County Records, Taxes and Treasury Division, not with the city.
- First page
- $10.00
- Then $8.50 a page
- A 3-page deed
- $27
- Same at every office
- A 25-page mortgage
- $214
- Same at every office
Charged by the page, at a rate the statute sets for every office in Florida — Fla. Stat. § 28.24(13).
This office does not publish a statement about how long recording takes, so we do not print one. On a file with a tight timeline, ask us what the office is doing that week.
More detail on recording
Recording, first page: $10.00. $5.00 service charge, plus $1.00 to the Public Records Modernization Trust Fund, plus $4.00. Fla. Stat. § 28.24(13)(a), (d)1., (e)
Recording, each page after the first: $8.50. $4.00 service charge, plus 50¢ to the trust fund, plus $4.00. Fla. Stat. § 28.24(13)(b), (d)2., (e)
Indexing, per name over four: $1.00. Reached by a deed with several grantors, or by a mortgage naming a trust. Fla. Stat. § 28.24(13)(c)
The office’s own fee schedule covers the other things it does — certified copies, searches, its own e-recording arrangements — and a third-party e-recording vendor may add a fee of its own, which is not the office’s charge and not this.
Read from the statute on September 14, 2026. If a charge here no longer matches what you are being charged, tell us and we will correct it.
The municipal lien search in Lauderhill
A title search reads Broward County’s records. What the City of Lauderhill knows takes a search of its own.
None of these is in the official records. They are found by a separate municipal lien search directed to the city itself, and we order one on every file. What it turns up goes to you in writing, with what clearing it would take, as soon as it comes back.
Where the City of Lauderhill publishes it: lien search, code enforcement and permit records.
- Lien search
- Since 1 April 2021 the City no longer answers estoppel requests itself. Municipal lien information comes from a private company its Lien Search page links, which reports only City of Lauderhill liens, and the City adds $12.50 to each lien or estoppel letter. Source: Lien search
- What it covers
- The City says a lien must be paid before the property is transferred, and that a full title search should still be made, since its lien report covers only City liens. Source: What it covers
- Code liens
- A violation that is not corrected goes before the Code Compliance Board, and the property is fined and eventually liened. The City warns that this could hamper a sale. Source: Code liens
- Hazards
- Where a violation threatens life or health, the code officer acts at once, without a courtesy notice, and the owner bears the cost of correcting it. Source: Hazards
- Lien mitigation
- A code lien can be mitigated only after every violation is in compliance. An application filed before then is voided, and a new one is needed once the property complies. Source: Lien mitigation
- Water accounts at a sale
- Water and sewer are not stopped and restarted on a sale. The account passes to the new owner on the City’s address and owner change form, a copy of the closing documents and a state photo ID, with no deposit. Source: Water accounts at a sale
- Owner pays utilities
- Under City Ordinance Sec. 21-46(d), utility service is supplied to owners, not tenants, and the owner is responsible for every utility bill, even where a tenant receives the statement. Source: Owner pays utilities
- Unpaid water bills
- Water turned off during a billing cycle brings a $50.00 reconnect charge on the next bill, and any balance on the account has to be paid in full before service begins. Source: Unpaid water bills
- Trash billing
- Residential trash collection is citywide and billed on the water account, not the tax bill. Source: Trash billing
- Rental property
- An owner renting out property in Lauderhill needs a Business Tax Receipt and Certificate of Use first, renewed every year for the year running 1 October to 30 September. Source: Rental property
- Permit status
- A permit’s status, its inspections and its plan reviews are looked up online by permit number. Source: Permit status
- Flood insurance
- Lauderhill is a Class 7 community in the National Flood Insurance Program, so a policy in a Special Flood Hazard Area gets a 15% discount. The new flood maps took effect on 31 July 2024. Source: Flood insurance
- Elevation certificates
- The City keeps elevation certificates, flood maps and letters of map amendment, and an elevation certificate on file can be downloaded from its flood page. A flood determination letter is by request. Source: Elevation certificates
Each line restates what the page linked beside it said when it was read, on November 9, 2026: the City’s own page, a portal it links to, or its code. Offices change these pages without notice; on a file where one of them matters, ask us and we will check it again.
What an open permit does to a closing: What happens if there's an open permit on the property before closing?
How a signing happens in Lauderhill
Wherever the signer is in Lauderhill, or online.
We send a notary to a Lauderhill signer — a kitchen table, an office, wherever they are. Remote online notarization is the third way, for a signer who is not in Lauderhill on the day. The closer who prepared the file is reachable during the signing whichever way it happens.
Closing room in Plantation
261 N University Drive, Suite 500, Plantation.
By appointment, booked for your signing.
Directions →Wherever the signer is
We send a notary to the signer, including outside office hours.
About mobile notary signings →Remote online
Signed online with a Florida-commissioned online notary.
How remote online notarization works →
Each kind of file has a page of its own: home purchases and sales, refinances and commercial title. Everything we handle is on title, escrow and closing services in Florida.
Title problems we have written about in Broward County
What tends to hold up a Broward closing, and what it takes to clear.