Who pays for the owner’s policy in Sunrise?
The buyer customarily pays for the owner’s policy in Sunrise.
That is the custom in Broward County, and so in Sunrise. 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 Sunrise 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 Sunrise 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 Sunrise 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 Sunrise 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 Sunrise deed is recorded
Sunrise 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 Sunrise
A title search reads Broward County’s records. What the City of Sunrise 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 Sunrise publishes it: lien search, code enforcement and permit records.
- Lien search
- The City Clerk searches public service (utility), code enforcement and special assessment liens for $100 per address, account or folio, and the city says a search is valid for up to 30 days. The City also issues public service liens for its utility customers in Davie and Weston. Source: Lien search
- Open permits
- Open permit searches are a separate request, made by email to the Building Division’s records office. Source: Open permits
- Service area
- Besides Sunrise itself, the City supplies water and sewer to all of Southwest Ranches and to parts of Davie, Weston and unincorporated Broward County. Source: Service area
- Utility balances
- Opening a City utility account may require paying unpaid balances left by other customers at the same property. Source: Utility balances
- Inspections
- With a contract for sale, a buyer or seller can ask for a 24-hour temporary utility turn-on for inspections, usually $30 per service, or $50 per service where the meter has been removed. Source: Inspections
- Utility liens
- Unpaid Sunrise utility bills are liens on the property served, on a par with taxes and ahead of all other liens. Once a bill is more than 30 days delinquent, the City can foreclose the way a lender forecloses a mortgage. Source: Utility liens
- Rental unit bills
- The owner pays the utility bills for a rental unit unless the tenant signs up with the City directly. When that tenancy ends, the bills go back to the owner until the next tenant signs up. Source: Rental unit bills
- Garbage liens
- Garbage charges the City bills for its franchised hauler are a lien on the land served, equal to taxes. The City can foreclose that lien once the charges are more than 30 days overdue. Source: Garbage liens
- Nuisance abatement costs
- If an owner doesn’t repay the City for abating a nuisance, the cost goes on the tax bill as a non-ad valorem assessment. It ranks with taxes, and nonpayment can lead to a tax certificate and a tax deed. Source: Nuisance abatement costs
- Selling during a code case
- A seller whose property is in a pending code case must disclose the case to the buyer in writing, hand over the case papers and warn that the buyer will be responsible for compliance. The seller then notifies the code enforcement official within 5 days after the transfer. Source: Selling during a code case
- Code fines
- The Special Magistrate can reduce a code fine once the violation that caused it is corrected. Until it is paid, a recorded fine is a lien on the cited land and on any other property the violator owns. Source: Code fines
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 Sunrise
At our office, wherever the signer is in Sunrise, or online.
A Sunrise 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 Sunrise 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.