Who pays for the owner’s policy in Broward County?
The buyer customarily pays for the owner’s title policy in Broward County.
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 does title insurance cost in Broward County?
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 the premium by rule under Fla. Stat. § 627.782, and an owner’s policy is written for the full insurable value of the property. The Florida title insurance rates, both schedules, are printed in full on the calculator; what each side pays is on the buyer closing costs and seller closing costs pages.
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 Broward County sale
The deed is taxed by the state, not by the county.
The deed rate here 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 is decided by the contract, not the statute.
A cash closing 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.
Recording in Broward County
Deeds and mortgages record with the Broward County Records, Taxes and Treasury Division.
Not the clerk of the circuit court. The clerk is the recorder in every Florida county unless the county has placed the duty elsewhere — Fla. Stat. § 28.222(1) — and Broward County has. We e-record in this county, so a document usually posts without a courier trip.
- 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
Set by statute and charged by the page — Fla. Stat. § 28.24(13) — so a Broward County deed and a Levy County deed of the same length record for the same money.
Not published for this county yet: typical recording turnaround at this office. We publish a figure once it is tied to a source we stand behind. Ask us on a specific file.
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.
What Broward County’s own offices publish
What Broward’s own offices say about how they work.
The premium, the taxes and the per-page recording charge are set by rules that apply in all 67 counties. These are not: each is what one of Broward County’s own offices publishes about its own practice.
- Where to record
- The County’s Records, Taxes and Treasury Division records documents into the Official Records, at its Recording Office in Room 114 of the Broward County Governmental Center, 115 S. Andrews Ave., Fort Lauderdale, open 8:30 a.m. to 5 p.m. Source: Where to record
- Deed requirements
- The Division will not record a deed without the parcel ID or folio number of the property as well as the legal description, and returns unrecorded any document without a three-inch square of white space at the top right of its first page. Source: Deed requirements
- Same-day recording
- When time is of the essence, the Division suggests bringing a deed into the office and waiting while it is recorded. Source: Same-day recording
- Certificates of title
- The Division collects the documentary stamp tax on a foreclosure Certificate of Title and records the certificate. If the tax has not been received 15 calendar days after the certificate is issued, the Division records it without tax and notifies the Florida Department of Revenue. Source: Certificates of title
Each line restates what the page linked beside it said when it was read, on October 7, 2026: a page of one of the county’s own offices, or one it links to. Offices change these pages without notice; on a file where one of them matters, ask us and we will check it again.
Cities in Broward County we have written about
Some things change from city to city, not county to county.
The premium, the taxes and the recording office on this page apply everywhere in Broward County. A city guide adds what the city itself decides: how a signing happens there, and what a municipal lien search has to cover. We have written guides for these cities so far.
Community associations in Broward County we have written about
Some things are set by the community, not the county.
The premium, the taxes and the recording office on this page apply everywhere in Broward County. 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.
Title problems we have written about in Broward County
What tends to hold up a Broward closing, and what it takes to clear.
How Bayit Title handles a Broward County file
Opened by the same four people who close it.
We order the search, examine what comes back, and put anything that could hold up the closing in writing — with what it would take to clear it — rather than waiting for it to surface at the table. Our office is here, in Coral Springs.
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.