Who pays for the owner’s policy in Miami-Dade County?
The buyer customarily pays for the owner’s title policy in Miami-Dade 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 Miami-Dade 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 Miami-Dade County sale
The deed is taxed by the state, not by the county.
Miami-Dade County is the one county that does not pay the statewide rate: the 10-cent increase the Legislature added in 1992 was never applied here, and the county levies a surtax the other 66 do not. 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. 60¢ per $100 of consideration, or part of $100. Lower than the rest of Florida because the 10-cent increase in ch. 92-317 was never applied here.
County discretionary surtax. 45¢ per $100 of consideration, or part of $100. Not charged where the interest conveyed involves only a single-family residence.
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 Miami-Dade County
Deeds and mortgages record with the Miami-Dade County Clerk of the Court and Comptroller.
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 Miami-Dade County deed and a Levy County deed of the same length record for the same money.
We cannot guarantee documents will be recorded on the same day that we receive them. Documents submitted via eRecording may take approximately 1-3 business days (excluding weekends/holidays) to review and process before they are made available for public viewing.
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.
What Miami-Dade County’s own offices publish
What Miami-Dade’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 Miami-Dade County’s own offices publishes about its own practice.
- Documentary stamps
- The Clerk lists a surtax of $0.45 per $100 of consideration on transfers of an interest in any real property other than a single-family residence, under Miami-Dade Code 29-7(D), in addition to documentary stamps on deeds at 60 cents per $100. Source: Documentary stamps
- Mortgage requirements
- The Clerk’s checklist calls for a copy of the promissory note to be attached to a mortgage, or for the amount of the note to be written on the face of the mortgage. Source: Mortgage requirements
- Quit claim deeds
- The County Recorder’s Office mails a courtesy letter to the property owner whenever a quit claim deed is recorded. Source: Quit claim deeds
- Where to record
- The Clerk takes original documents in person at the Osvaldo N. Soto Miami-Dade Justice Center, and recommends recording in person when a document is time-sensitive, since it cannot guarantee same-day recording. The Clerk’s own eRecording Web Service takes Notices of Commencement and Declarations of Domicile. Source: Where to record
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 Miami-Dade 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 Miami-Dade 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 Miami-Dade 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 Miami-Dade 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.
- Master association, a Florida not-for-profit corporationFisher Island
Two estoppels on every closing, the condominiums' right of first refusal and lease approvals, what FICA's covenants and rules say, and why the 2022 restatement of the master covenants needs a recording check.
Neighborhoods in Fisher Island
- 5000 Bayview
- 5100 Bayview
- 7400 Oceanside
- 7600 Oceanside
- Bayside Village
- Bayside Village East
- Bayview No. One
- Bayview No. Three
- Bayview No. Two
- Harborview
- Links Estates
- Marina Village
- Marina Village Gardens No. Two
- Marina Village No. Three
- Oceanside
- Oceanside No. Five
- Oceanside No. Four
- Oceanside No. Three
- Oceanside No. Two
- Palazzo del Mare
- Palazzo del Sol / della Luna
- Seaside
- Seaside Villas
- Valencia Estates
Title problems we have written about in Miami-Dade County
What tends to hold up a Miami-Dade closing, and what it takes to clear.
How Bayit Title handles a Miami-Dade 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.
In our office
3301 N University Drive, Suite 100, Coral Springs.
Monday – Friday, 9:00 AM to 5:00 PM
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 →
Everything we handle is on title, escrow and closing services in Florida.