The Florida-specific search for debts a title search can't see: open permits, code liens, unpaid utilities.
In many Florida jurisdictions, code-enforcement fines and utility balances can become enforceable against the property without appearing in the recorded chain of title. Because a standard owner's title policy is built on recorded matters, these municipal items are commonly excluded — the lien search fills exactly that gap before the buyer takes title.
The search also surfaces permits that were pulled but never closed with a final inspection. Open permits become the new owner's problem: insurers may balk, future permits can be held up, and closing an old permit for work done years ago — possibly to a newer code — can be genuinely expensive. Resolving permit status before closing is far cheaper than after.
The closing or title agent orders the search during the contract period. The cost is a routine closing line item; who pays follows the contract and local custom. Results arrive as a report the parties clear before the closing date.
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