Florida Doc Stamp and Title Insurance Calculator
Florida taxes the deed, taxes the mortgage note, adds an intangible tax on the loan, and sets title insurance premiums by state rule. Enter a price and a loan, pick your county, and see each line to the dollar, plus who customarily pays it.
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State taxes and title, line by line
How the Florida numbers are set
Deed documentary stamps are 70 cents for each $100 of the price, or fraction of $100, under section 201.02 of the Florida Statutes. Miami-Dade is the one exception: deeds there pay 60 cents per $100, and deeds for anything other than a single-family residence add a 45-cent surtax under section 201.031. The seller customarily pays deed stamps statewide, though the contract can assign them either way.
Note documentary stamps are 35 cents per $100 of the amount borrowed (section 201.08), and the nonrecurring intangible tax is 2 mills, or 0.2%, of a loan secured by Florida real estate (section 199.133). The borrower pays both. There is no cap on note stamps when the note is secured by a recorded Florida mortgage.
Title insurance premiums are promulgated: the Florida Office of Insurance Regulation sets them in rule 69O-186.003 of the Florida Administrative Code, so every title agent charges the same premium for the same policy. The schedule is $5.75 per $1,000 up to $100,000, $5.00 per $1,000 from $100,000 to $1 million, $2.50 from $1 million to $5 million, $2.25 from $5 million to $10 million and $2.00 above that, with a $100 minimum. A lender’s policy issued at the same closing as the owner’s policy costs $25 for the amount that does not exceed the owner’s coverage. A reissue rate ($3.30 per $1,000 up to $100,000, then $3.00, then $2.00) can apply when the seller’s policy is less than 3 years old, and on most refinances where an owner’s policy insured the borrower.
Who pays for the owner’s policy is local custom. The seller customarily pays in most Florida counties, including all of Northeast Florida; the buyer customarily pays in Miami-Dade, Broward, Sarasota and Collier. Custom is only a starting point. The purchase contract decides, and both the split and the choice of title agent can be negotiated. For the full buyer picture (lender fees, prepaids, escrow) use the Florida buyer closing costs calculator; for the seller side, the seller net proceeds calculator.
| Charge | Florida rate | Customarily paid by | $400,000 sale, $320,000 loan |
|---|---|---|---|
| Deed doc stamps | $0.70 per $100 ($0.60 in Miami-Dade) | Seller | $2,800 |
| Note doc stamps | $0.35 per $100 of the loan | Buyer (borrower) | $1,120 |
| Intangible tax | 0.2% of the loan | Buyer (borrower) | $640 |
| Owner’s title policy | Promulgated schedule | Seller in most counties; buyer in Miami-Dade, Broward, Sarasota, Collier | $2,075 |
| Lender’s title policy | $25 when issued with the owner’s policy | Buyer (borrower) | $25 |
Example outside Miami-Dade. Title agents also charge for endorsements, the title search and settlement services; those vary by company and are not included here. Rates verified November 6, 2026 against Florida Statutes 201.02, 201.031, 201.08, 199.133 and Florida Administrative Code 69O-186.003.
Refinancing: when the stamps shrink
A refinance with a new lender is taxed as a brand-new loan: note stamps and intangible tax on the full new amount. When the same lender renews the existing note instead of paying it off, Florida generally taxes only the new money above the unpaid balance, provided the paperwork qualifies as a renewal under section 201.09 (the original note is referenced, the original borrower signs, and the original tax was paid). Whether your loan qualifies is your lender’s and closing agent’s call, so treat the renewal toggle as a what-if and verify before you count on it. The lender’s title policy on a refinance usually qualifies for the reissue rate up to the amount of your existing owner’s policy.
Common questions
How much are doc stamps in Florida?
On the deed, 70 cents per $100 of the sale price, rounded up to the next $100, which is $2,800 on a $400,000 home. On the mortgage note, 35 cents per $100 borrowed, or $1,120 on a $320,000 loan. Miami-Dade deeds pay 60 cents per $100, plus a 45-cent surtax when the property is not a single-family residence.
Who pays doc stamps in Florida, the buyer or the seller?
By custom the seller pays the deed stamps and the buyer pays the note stamps and intangible tax on the loan. The Florida Realtors and Florida Bar residential contract follows that pattern by default, but the parties can agree to a different split, so read the closing cost paragraph of your contract.
How much is title insurance in Florida?
The premium is set by state rule: $5.75 per $1,000 of coverage up to $100,000 and $5.00 per $1,000 from $100,000 to $1 million, so an owner’s policy on a $400,000 home is $2,075. A lender’s policy issued at the same closing adds $25. Endorsements, the title search and settlement fees are charged on top and vary by company.
Who pays for the owner’s title policy in Florida?
The seller customarily pays in most of Florida, including Duval, St. Johns, Clay and Nassau. The buyer customarily pays in Miami-Dade, Broward, Sarasota and Collier. Whoever pays usually chooses the title agent, and the contract can change either point.
Do I pay doc stamps when I refinance in Florida?
Yes on a new loan: note stamps of 35 cents per $100 and intangible tax of 0.2% apply to the full new amount when a new lender pays off the old loan. If the same lender renews the existing note, the tax may apply only to the new money above the unpaid balance. Confirm with your lender before relying on the lower figure.
Is the title insurance reissue rate available in Florida?
Often. The reissue rate applies when the seller’s owner’s policy is less than 3 years old, and on a refinance when an owner’s policy insured the current borrower, provided the title agent can obtain a copy of the prior policy. It covers the amount up to the prior policy; anything above is charged at the original rate.
Next steps: see every line of your cash to close as a buyer, run your seller net sheet, read the plain-English doc stamp tax glossary entry and owner’s title insurance explained, and read our county-by-county breakdown, Florida doc stamps and title insurance by county.
<a href="https://movewithmomentum.com/tools/florida-doc-stamp-title-insurance-calculator">Florida Doc Stamp & Title Insurance Calculator (2026) — Momentum Realty</a>Estimates only. Documentary stamp taxes are computed under Florida Statutes 201.02, 201.031 and 201.08 on each $100 or fraction; intangible tax under 199.133 at 2 mills. Title premiums use the promulgated rates in Florida Administrative Code 69O-186.003 (original, reissue and simultaneous-issue rates) and exclude endorsements, search, examination and settlement fees. Refinance renewal treatment under 201.09 depends on how the loan is documented and is shown as a what-if. County customs on who pays are typical practice, not law; your contract and your closing disclosure control. Typical home values in the county picker are Zillow Home Value Index, September 2026. Not tax or legal advice. Equal Housing Opportunity.