Title insurance and closings in Miami
The short answer
Bayit Title LLC is a Florida title company closing in Miami, Miami-Dade County, from our office in Coral Springs. We search and examine title, issue the policy, hold the escrow and run the closing for residential and commercial property, with signings in our office, wherever the signer is in Miami, or by remote online notarization. In Miami-Dade County the owner’s policy is customarily paid for by the buyer, though the contract controls. The premium is promulgated statewide; the deed stamp rate and the recording office are Miami-Dade County’s.
What title insurance costs on a Miami purchase
Florida title insurance premiums are set by the Office of Insurance Regulation under Fla. Stat. § 627.782, so the premium on a Miami policy is the same figure it would be anywhere in the state. On a $500,000 purchase the owner’s policy is $2,575; where the reissue conditions in the rule are met it is $1,530; and the rule sets $25 as the least a lender’s policy issued at the same time for the same or a lesser amount 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.
The Florida title insurance calculator prints the whole schedule with the rule beside it, and the closing cost calculator prices a specific Miami address off the Miami-Dade County property appraiser’s record.
Who pays for the owner’s policy in Miami?
Custom in Miami-Dade County, and so in Miami, is that the buyer pays for the owner’s policy. 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.
Documentary stamp tax on a Miami sale
The deed is taxed by the state at the rate that applies in Miami-Dade County. Miami-Dade County is the one Florida county with a different deed rate, and it levies a surtax the other 66 do not.
- Documentary stamp tax on the deed
- 60¢ per $100 of consideration, or part of $100 Lower than the rest of Florida because the 10-cent increase in ch. 92-317 was never applied here. Fla. Stat. §§ 201.02(1)(a), 201.0205
- County discretionary surtax
- 45¢ per $100 of consideration, or part of $100 Not charged where the interest conveyed involves only a single-family residence. Fla. Stat. §§ 201.031, 125.0167
On a $500,000 Miami sale that is $3,000 in deed stamps, plus $2,250 in surtax if what is conveyed is anything other than a single-family residence. A $400,000 mortgage carries $1,400 in mortgage stamps and $800 in intangible tax, and a cash purchase carries neither. Which side pays each is decided by the purchase contract.
Where a Miami deed is recorded
Miami is in Miami-Dade County, so the deed and mortgage are recorded with the Miami-Dade County Clerk of the Court and Comptroller, not with the city. Recording is charged by the page at a rate the statute sets for every clerk in Florida:
- 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)
On turnaround, the Miami-Dade County Clerk of the Court and Comptroller publishes this:
We cannot guarantee documents will be recorded on the same day that we receive them. Documents submitted via eRecording may take approximately 1-3 business days (excluding weekends/holidays) to review and process before they are made available for public viewing.
That is the office’s published statement, not a time we can promise. On a file where the recording date matters, ask us what the office is actually doing that week.
The municipal lien search in Miami
A title search reads the county’s official records. It does not show what the City of Miami knows about the property: open or expired permits, code enforcement cases, unpaid utility balances and special assessments. Those 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.
How a signing happens in Miami
A Miami signer can come to our office in Coral Springs, or we send a notary to them — a kitchen table, an office, wherever they are. Remote online notarization is the third way, for a signer who is not in Miami on the day. The closer who prepared the file is reachable during the signing whichever way it happens.
Premium read from Fla. Admin. Code R. 69O-186.003 on September 14, 2026. Taxes and recording charges read from the statutes on September 14, 2026 and linked line by line above. Tell us if a figure here does not match what you are quoted and we will check it against the source again.