Who pays for the owner’s policy in Citrus County?
The seller customarily pays for the owner’s title policy in Citrus County.
Owner’s policy The title policy that protects the buyer, issued for the full insurable value of the property, in a sale ordinarily the price. More in the glossary: Owner’s policy
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 Citrus County?
The same as anywhere in Florida — the premium is promulgated.
Premium The price of a title insurance policy. In Florida it is set by rule, applies throughout the state, and no one may knowingly quote, charge or collect a different one; it runs per $1,000 of coverage, in bands. More in the glossary: Premium
- 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 Citrus County sale
The deed is taxed by the state, not by the county.
Documentary stamp tax Florida’s tax on documents, paid at the closing. More in the glossary: Documentary stamp tax
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 Citrus County
Deeds and mortgages record with the Citrus County Clerk of the Circuit Court and Comptroller.
Recording Entering a document in the county’s official records, which makes it notice to everyone. More in the glossary: Recording
- 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 Citrus County deed and a Levy County deed of the same length record for the same money.
Documents are typically recorded the same day if submitted during regular business hours. Once the document is recorded you can immediately retrieve an image that includes our recording stamp.
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.
The turnaround above is the office’s own published statement, not a commitment it makes to us or a time we can promise you. Offices change these pages without notice. On a file where the recording date matters, ask us and we will check what the office is actually doing that week.
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.
How Citrus County records, in its offices’ own words
What the office that records deeds and mortgages says about how it works.
- Deed restrictions
- The Clerk says restrictions recorded after January 1, 1980 can be viewed by searching the Official Records by the document type “RESTRCTN”; its posted deed restriction index is not updated and should be used together with that search. Source: Deed restrictions
- E-recording
- Since June 29, 2026, the Clerk has offered an e-recording option for non-transfer documents only; it cannot be used for any document that transfers an ownership interest in property, and customers pay normal recording fees plus a $25 service fee. Source: E-recording
- Same-day recording
- The Clerk says e-recorded documents are typically recorded the same day if submitted during regular business hours. Source: Same-day recording
- Online records
- The Clerk’s online Official Records index covers 1980 to the present, with document images available in PDF format. Source: Online records
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.
All Citrus topicsNext Liens and charges that stay with the property
County liens, utility charges and assessments in Citrus County
What the county’s offices and its code say about charges and liens a buyer can inherit.
- Nuisance costs on other land
- If the County abates a nuisance and its bill goes unpaid for 30 days, the cost becomes a recorded lien on the land and on any other real or personal property of the person responsible. Source: Nuisance costs on other land
- Repair cost liens
- When the County does work to bring a property into compliance and isn’t paid within 30 days of its notice, it records a claim of lien that ranks with taxes. Interest runs at the judgment rate until the cost goes onto the assessment roll. Source: Repair cost liens
- Citrus Springs and Beverly Hills
- Lots in Citrus Springs and in Beverly Hills pay assessments to their own county benefit units. Each is a lien equal to county property taxes and, once delinquent, is collected as part of the county tax. Source: Citrus Springs and Beverly Hills
- Water at a change of owner
- County water won’t be started at an address until earlier service there is paid in full, a former tenant’s charges aside, and the applicant is expected to check the account. The owner is ultimately responsible, and the County wants written notice three days before occupancy changes. Source: Water at a change of owner
Each line restates what the page linked beside it said when it was read, on October 16, 2026: a page of one of the county’s own offices, or the county’s code. Offices change these pages without notice; on a file where one of them matters, ask us and we will check it again.
Building permits and safety inspections in Citrus County
What the county’s building officials publish about permits and building inspections.
- Impact fee refunds
- Citrus impact fees not spent within ten years of the building permit are refunded to the current owner of record, with two percent interest a year. The County Commission can push that date back by up to five years. Source: Impact fee refunds
Each line restates what the page linked beside it said when it was read, on October 16, 2026: a page of the county government, one it links to, or the county’s code. Offices change these pages without notice; on a file where one of them matters, ask us and we will check it again.
Law particular to Citrus County
What the county’s charter, its code or a Florida law sets for Citrus in particular.
- Lender registration
- When a Citrus mortgage is in default and the lender finds the property vacant, it must register it with the County within ten days. That also covers homes the lender takes back at a foreclosure sale or by deed in lieu, while vacant or on the market. Source: Lender registration
Each line restates what the page linked beside it said when it was read, on October 16, 2026: the county’s charter or code, a page of the county government, or the Florida Constitution. Offices change these pages without notice; on a file where one of them matters, ask us and we will check it again.
How Bayit Title handles a Citrus 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.
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.