Who pays for the owner’s policy in Tamarac?
The buyer customarily pays for the owner’s policy in Tamarac.
That is the custom in Broward County, and so in Tamarac. 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 Tamarac. 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 Tamarac 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 Tamarac 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 Tamarac 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 Tamarac 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 Tamarac deed is recorded
Tamarac 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 Tamarac
A title search reads Broward County’s records. What the City of Tamarac 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 Tamarac publishes it: lien search, code enforcement and permit records.
- Lien search
- The City’s Lien Search Request is made online, for properties inside the city only. It costs $159, non-refundable, and takes 7 to 10 business days, with no rush service. The results come by email. Source: Lien search
- What it covers
- The search reports open building permits with their numbers, the water, sewer and garbage balances and deposits, Special Magistrate cases for building, code, business license and fire violations, CDBG and SHIP housing liens, and any other amount owed to the City. Source: What it covers
- Final water bill
- A final utility bill is issued 4 to 6 weeks after an account closes. The utility balance on a lien search can be updated free within 60 days of the request. Source: Final water bill
- Lien settlement
- When a property that may carry a City lien is sold, whether by short sale, bank sale or owner to owner, the realtor or title company has to ask the City for a settlement of the lien on its Lien Settlement Request Form. Source: Lien settlement
- Settlement request
- A settlement request costs $50 per address and takes about 3 to 4 weeks, so the City asks for it well before the closing. It needs a recent lien search, and for a vacant property, proof the property is registered. Source: Settlement request
- Open violations at sale
- Where the property is not in compliance, the City settles the lien only if the buyer signs a stipulated agreement to correct it by a deadline after closing. It is signed when the request goes in, and it cannot be transferred or assigned. Source: Open violations at sale
- Stipulated agreements
- The Building Department’s fee schedule puts a stipulated agreement for a real estate transaction at $492, the first extension free and any further one $492. Its research for open permits and outstanding building and code violations is $79 an address. Source: Stipulated agreements
- Lien abatement
- At a monthly abatement hearing the Special Magistrate waives a code lien, reduces it or upholds it. Only the legal owner may apply, with $165 per case at least 7 days ahead, and only once the property complies, has no other violation and owes the City nothing else, taxes included. Source: Lien abatement
- Liens never abated
- Public nuisance liens and administrative liens are left out of the abatement process altogether. Source: Liens never abated
- New water account
- The City runs its own water and sewer. A new owner opens an account with the warranty deed or settlement statement, photo ID and the City’s two service forms, and pays a deposit set by the meter size. A listing agent can open one with the listing agreement and a $105 deposit. Source: New water account
- Closing a water account
- The account holder has to ask the City in writing to close a water account. Once service is permanently disconnected, the City refunds what is left of the deposit after what the account owes. Source: Closing a water account
- Stormwater fee
- Since 2013 the stormwater fee is billed on the property tax bill, with the City’s fire and residential solid waste assessments, not on the water bill. Once paid for the year it is generally prorated on the closing statement, and the City does not refund it. Source: Stormwater fee
- Landlord registration
- An owner who rents out a home or condominium registers each unit with the City, unless it is owner-occupied or a vacation rental. A registration lasts one year and cannot be transferred, and the City can enforce the program with liens and civil penalties. Source: Landlord registration
- Vacation rentals
- A house of up to four units, or a condominium, rented for less than 30 days more than 3 times a year, or advertised for short stays, has to be registered with the City as a vacation rental. Timeshares are exempt. Source: Vacation rentals
- City housing loans
- The payoff of a City housing loan, for a sale or a refinance, is sent within 7 business days of the Housing Division’s receipt of the request. The request needs the borrower’s written authorization, which lasts 30 days. Source: City housing loans
- Colony West
- A restrictive covenant the City Commission approved on March 27, 2024 keeps the Colony West Championship and Glades golf courses for golf, recreation, open space and cultural uses. Housing could go there only with the approval of 100 percent of the surrounding homeowners. Source: Colony West
- Flood insurance
- Tamarac holds a Class 6 rating in FEMA’s Community Rating System, so eligible flood policies in its Special Flood Hazard Areas can get a 20% premium discount. A flood map revision for the east side of the city took effect on March 1, 2021. Source: Flood insurance
- Association approval
- A City building permit does not mean a homeowners’ or condominium association has approved the work. Any approval the association requires has to be obtained separately. Source: Association approval
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 Tamarac
Wherever the signer is in Tamarac, or online.
We send a notary to a Tamarac signer — a kitchen table, an office, wherever they are. Remote online notarization is the third way, for a signer who is not in Tamarac 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.