Who pays for the owner’s policy in Nassau County?
The seller customarily pays for the owner’s title policy in Nassau 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 Nassau 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 Nassau 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 Nassau County
Deeds and mortgages record with the Nassau County Clerk of 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 Nassau County deed and a Levy County deed of the same length record for the same money.
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.
How Nassau County records, in its offices’ own words
What the office that records deeds and mortgages says about how it works.
- Witnesses
- Since January 1, 2024, the Clerk will not record a document that conveys, assigns, encumbers or disposes of title to real property unless each witness’s name is legibly written, typed or stamped immediately beneath the witness’s signature and each witness’s address is on the instrument. Source: Witnesses
- Where to record
- The Clerk’s office in the Historic Courthouse in Fernandina Beach is staffed on Thursdays from 9:00 am until 4:00 pm, closing for lunch from 11:30 am to 12:30 pm, and takes deeds, mortgages, liens and notices of commencement for recording. The Yulee office is open Monday through Friday from 8:30 am until 5:00 pm. Source: Where to record
- Time-sensitive documents
- The Clerk says it cannot guarantee same or next-day recording for documents received by mail or through e-recording, and suggests recording a time-sensitive document in person at its Recording Department. Source: Time-sensitive documents
- Fraud alert
- The Clerk offers a free property alert service that notifies those who sign up when a deed, mortgage or other official record is recorded in their name. Source: Fraud alert
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 Nassau topicsNext Liens and charges that stay with the property
County liens, utility charges and assessments in Nassau County
What the county’s offices and its code say about charges and liens a buyer can inherit.
- Size of code liens
- Code fines can run to one thousand dollars a day, or five thousand for a repeat violation. The lien itself can be no more than 35 percent of the property’s assessed value when it is imposed. Source: Size of code liens
- No relief for later buyers
- Nassau won’t reduce or forgive a code lien for an owner who bought after it was recorded, or where a title policy issued at the purchase missed it. A lien the Board has already reduced can’t be reduced again. Source: No relief for later buyers
- Code lien reductions
- No reduction is granted while any taxes, assessments, county utility fees or other government liens on the property are unpaid. An approved reduction must be paid in full within 30 days, or the whole lien is due again. Source: Code lien reductions
- Beach restoration assessments
- Owners in the South Amelia Island Shore Stabilization benefit unit pay special assessments for beach restoration that rank with taxes until paid. Once final, they are recorded in the official records, and installments can run up to 30 years. Source: Beach restoration assessments
- One notice for assessments
- When the County bills a benefit unit assessment itself rather than on the tax bill, it records one general notice of the lien in the official records. Individual liens and releases need not be recorded. Source: One notice for assessments
- Mobility fees
- The obligation to pay Nassau’s mobility fee, and any credit toward it, runs with the land. A fee not paid when the building permit issued is collected before the certificate of occupancy. Source: Mobility fees
- Fines after 90 days
- Once a fine has run for 90 days, Code Enforcement sends it to the County Attorney’s Office for possible legal action. Even after the property complies, the fine total stays a lien until it is satisfied. Source: Fines after 90 days
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.
How Bayit Title handles a Nassau 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.