Who pays for the owner’s policy in Miramar?
The buyer customarily pays for the owner’s policy in Miramar.
That is the custom in Broward County, and so in Miramar. 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.
How the custom runs in the other counties is on who pays for title insurance in Florida.
What title insurance costs on a Miramar 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 Miramar policy is the figure it would be anywhere in the state. The Florida title insurance rates are printed in full on the calculator, with the rule beside them, and the closing cost calculator prices a specific Miramar address 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 Miramar 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 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 Miramar deed is recorded
Miramar 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 Miramar
A title search reads Broward County’s records. What the City of Miramar 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 Miramar publishes it: lien search, code enforcement and permit records.
- Lien search
- The Financial Services lien inquiry costs $105 per address, takes 3 to 5 business days and covers property liens, delinquent account balances, water and sewer balances and special assessments. The city says it is incomplete without asking the Building Department about open permits and Code Compliance about open violations. Source: Lien search
- Open permits
- The Building Division’s permit lien search costs $162 per address in 5 to 7 working days, or $270 expedited in 2 to 4 working days when approved for hardship. Each unit on a folio needs its own request. Source: Open permits
- Validity
- The city says a Finance lien response is good for 30 days from the date at the bottom of the form, except for utility billing balances. Source: Validity
- Water accounts
- A City water account can be closed only when the property is sold or rented, or for a foreclosure once the Certificate of Title is received, and a $30 termination fee applies. Source: Water accounts
- New owners
- A buyer of a home on a 5/8-inch meter opens water service with the physically signed closing disclosure or settlement statement, or the recorded warranty deed, plus a $125 deposit and $30 setup fee. The city says it cannot verify electronically signed documents without proof the signature is valid. Source: New owners
- Water and sewer liens
- City water and sewer charges are liens on the property served, ahead of all other liens, titles and claims until paid. Delinquent charges bear interest at 12 percent a year from the due date, or another rate set by statute, plus lien fees. Source: Water and sewer liens
- Garbage fees
- Each property owner must pay for City garbage collection, and unpaid fees are liens ahead of all other liens, encumbrances, titles and claims. Delinquent fees also carry a penalty and a lien fee. Source: Garbage fees
- Code penalty liens
- A recorded civil penalty order is a lien on the cited property and on any other property the violator owns, and its findings bind later buyers. The lien lasts 20 years from recording unless the City sues to foreclose within that time. Source: Code penalty liens
- Short-term rentals
- A short-term rental needs a City zoning certificate of use and a business tax receipt, and must be registered with the Police Department every year by September 30. Fines under these rules can’t be reduced by the Special Magistrate. Source: Short-term rentals
- Vacant homes in default
- A lender must inspect a mortgaged property once the borrower defaults and, if it is vacant, register it with Code Compliance within ten days. Bank-owned homes after a foreclosure sale or deed in lieu are covered, and registration renews on the first day of October each year. Source: Vacant homes in default
Each line restates what the page linked beside it said when it was read, on October 7, 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 Miramar
At our office, wherever the signer is in Miramar, or online.
A Miramar 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 Miramar on the day. The closer who prepared the file is reachable during the signing whichever way it happens.
In our office
3301 N University Drive, Suite 100, Coral Springs.
Monday – Friday, 9:00 AM to 5:00 PM
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.