Who pays for the owner’s policy in Parkland?
The buyer customarily pays for the owner’s policy in Parkland.
That is the custom in Broward County, and so in Parkland. 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 Parkland 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 Parkland 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 Parkland 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 Parkland 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 Parkland deed is recorded
Parkland 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 Parkland
A title search reads Broward County’s records. What the City of Parkland 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 Parkland publishes it: lien search and code enforcement.
- Lien search
- The City’s Lien Request Form costs $60 for each address, with 3 to 5 business days allowed, not counting mail time, and more where a search needs extensive research. It goes in with a check and a stamped, self-addressed envelope, since the City no longer faxes results and takes no requests by phone. Source: Lien search
- Lien search fee
- The fee schedule in effect from 1 October 2026 sets the lien search at $60 per folio for a residential property and $150 per folio for a commercial one. Source: Lien search fee
- What it covers
- The City’s reply lists code enforcement liens, special assessments, recording fees and building permits. It leaves out water and sewer, which the City does not provide, so unpaid bills come from the property’s own provider, and solid waste lien status from the hauler. Source: What it covers
- Open permits
- The Building Division says an expired permit, or work done without one, is the current owner’s responsibility, even for an owner who only finds it after moving in. Source: Open permits
- Expired permits
- Extending an expired permit costs $150 per discipline the first time, $175 the second and $200 the third, or half the original permit cost, whichever is greater. A homeowner who worked without a permit pays $150 plus the permit fee, or double the fee if that is more. Source: Expired permits
- Lien mitigation
- A request to reduce a code fine or lien goes to the Special Magistrate at least 10 days before the hearing, with a $500 fee, a certificate of compliance and a showing of good cause. The fine is never cut below the City’s documented costs, and the reduced amount must be paid within 30 days. Source: Lien mitigation
- Code hearings
- The Special Magistrate who hears code cases meets on the last Wednesday of each month at 9:00 a.m. in the City Hall Commission Chambers, under the procedures of Chapter 162 of the Florida Statutes. Source: Code hearings
- Code enforcement
- The Broward Sheriff’s Office Parkland District, which provides the city’s police, also oversees all code enforcement matters in Parkland. Source: Code enforcement
- Water and sewer
- The City supplies no water or sewer. Depending on the neighborhood they come from the City of Coconut Creek, the North Springs Improvement District, which serves the Heron Bay communities, or a utility the City says it is not affiliated with and has no oversight of. Some homes are on wells and septic tanks. Source: Water and sewer
- Stormwater fee
- Since November 2023 the City’s stormwater fee has been a non-ad valorem assessment on the tax bill, based on each property’s impervious surface. Rates differ among six service areas and can change every year. Source: Stormwater fee
- Abandoned property
- A lender whose borrower defaults must inspect the property before sending a notice of default. If it is vacant, the lender must register it with the City within 10 days, at $150 a year per property. Source: Abandoned property
- Vacation rentals
- Since 30 September 2019 a home rented as a vacation rental needs City approval, with a $500 registration application fee, a life and safety inspection, and a second inspection where there is a pool or spa. Source: Vacation rentals
Each line restates what the page linked beside it said when it was read, on October 19, 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?
Community associations in Parkland we have written about
Some things are set by the community, not the city.
The premium, the taxes and the recording office on this page apply everywhere in Parkland. A community association’s recorded documents add their own: which estoppels to order, what is paid to the association at closing, and whether a sale or a lease needs its approval. We have written up these communities so far, each from its recorded documents.
- Chapter 720 homeowners' associationHeron Bay
The master association's resale Capital Payment, leasing rule, lien and estoppel points, and which Neighborhoods need a second estoppel.
Heron Bay Neighborhoods in Parkland
How a signing happens in Parkland
At our office, wherever the signer is in Parkland, or online.
A Parkland 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 Parkland 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.