Title insurance and closings in Miami-Dade County
The short answer
Bayit Title LLC is a Florida title company closing in Miami-Dade County, Miami included, from our office in Coral Springs: residential and commercial title, escrow and settlement, with signings in our office, wherever the signer is, or by remote online notarization. In Miami-Dade County the owner’s title policy is customarily paid for by the buyer, though the contract controls and the parties can agree otherwise. Title insurance premiums in Florida are promulgated by the Office of Insurance Regulation; what differs county to county is local custom and recording practice.
Who pays for the owner’s policy in Miami-Dade County?
Custom in Miami-Dade County is that the buyer pays for the 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 Miami-Dade County?
The same as anywhere in Florida. Premiums are promulgated: the Office of Insurance Regulation sets them by rule under Fla. Stat. § 627.782, and an owner’s policy is written for the full insurable value of the property. So a $500,000 purchase in Miami-Dade County is $2,575, or $1,530 at the reissue rate 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.
The Florida title insurance calculator prints both schedules in full, with the premium at common prices, and works it out for a specific price and loan. What each side pays, line by line, is on the buyer closing costs and seller closing costs pages.
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 tax is charged on each part of $100, so it rounds up.
- Documentary stamp tax on the deed
- 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. Fla. Stat. §§ 201.02(1)(a), 201.0205
- County discretionary surtax
- 45¢ per $100 of consideration, or part of $100 Not charged where the interest conveyed involves only a single-family residence. Fla. Stat. §§ 201.031, 125.0167
On a $500,000 sale that is $3,000 in deed stamps, plus $2,250 in surtax if what is being conveyed is anything other than a single-family residence. Which side pays it is decided by the purchase contract, not by the statute. The doc stamp calculator works it out for a specific price and loan.
A mortgage is taxed separately, so a cash closing carries neither of these:
- Documentary stamp tax on the mortgage
- 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. Fla. Stat. § 201.08(1)(b)
- Nonrecurring intangible tax
- 2 mills on each dollar secured — $2 per $1,000 One time, on the obligation the mortgage secures. Fla. Stat. § 199.133(1)
On a $400,000 loan that is $1,400 in mortgage stamps and $800 in intangible tax.
Recording
Deeds and mortgages are recorded 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. Recording turnaround affects when a policy can issue, so it is worth knowing on a file with a tight timeline.
What recording costs is set by statute and is charged by the page, so it is the same at every clerk in Florida — a Miami-Dade County deed and a Levy County deed of the same length record for the same money:
- 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)
A 3-page deed is $27 and a 25-page mortgage is $214. The clerk’s own fee schedule covers the other things the office 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 clerk’s charge and not this.
Every figure in the two sections above was read from the statute that sets it on September 14, 2026 and is linked to that section. The one point not settled by the statute’s own words is which county ch. 83-220 describes; that 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.
On turnaround, the Miami-Dade County Clerk of the Court and Comptroller publishes this:
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.
That 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.
Cities in Miami-Dade County we have written about
The premium, the taxes and the recording office are the county’s, so the figures on these pages are the ones above. What each page adds is the place: how a signing happens there and what a municipal lien search has to cover.
How Bayit Title handles a Miami-Dade County file
The file is 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. Signings happen in our Coral Springs office, wherever the signer is, or by remote online notarization.