Bonita Springs Title Company
Title insurance, escrow and closings for Bonita Springs and South Lee County — local know-how, licensed in all 67 Florida counties.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Bonita Springs and the rest of Lee County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Bonita Springs know-how and statewide reach. Bonita Springs sits between Naples and Fort Myers, a mix of gated golf communities like Bonita Bay, Pelican Landing and Spanish Wells, the Gulf-front enclaves of Barefoot Beach and Bonita Beach, an old downtown on the Imperial River and the Bonita Beach Road corridor that Hurricane Ian flooded in 2022. Our Bonita Springs closings are dominated by seasonal and retiree buyers, club-community files and the Lee County buyer-pays custom.
On a typical $520,000 Bonita Springs sale, the Florida-specific closing costs run about $6,342 (deed doc stamps + owner’s title + recording). In Lee County, the buyer customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Bonita Springs
Most of what makes a Bonita Springs closing “Florida-specific” comes down to two numbers: the documentary stamp tax on the deed, charged at $0.70 per $100 of the price in Lee County, and the owner's title insurance premium, which Florida sets by rule so the base rate is the same at every title agency in the state. Here is how they land on a $520,000 Bonita Springs purchase:
Example: $520,000 sale in Bonita Springs
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Bonita Springs closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Bonita Springs
Buyer pays, buyer chooses. Lee County custom puts the owner’s title premium on the buyer, and the buyer therefore usually selects the closing agent. Most Bonita Springs contracts are written that way, and sellers from seller-pays counties are often pleasantly surprised.
Club communities and layered estoppels. Bonita Bay and Pelican Landing carry master, neighborhood and club estoppels, mandatory or optional memberships and transfer fees that can run into five figures. We order every estoppel at file opening and put the club fees on the statement early.
Hurricane Ian titles. Ian’s surge reached well inland along Bonita Beach Road and the Imperial River. We check open repair permits, FEMA 50% rule determinations and the seller’s flood disclosure on every low-lying file.
Gulf-front and bay-front condos. Barefoot Beach and Bonita Beach buildings fall under milestone inspection and reserve rules and sit seaward of the CCCL. We pull the inspection and SIRS status with the estoppel.
Who Pays for Title Insurance in Bonita Springs?
In Lee County the long-standing custom puts the owner's title policy on the buyer, and because whoever pays for the policy usually picks the closing agent, most Bonita Springs contracts name the buyer's title company. Sellers relocating from seller-pays counties are often pleasantly surprised. Nothing in Florida law requires it: the FAR/BAR contract has a checkbox for either party, and it is negotiated regularly. Whichever side you are on, we are happy to be written in.
Request a Bonita Springs Closing Quote
Tell us a little about your Bonita Springs purchase, sale or refinance and a licensed title agent will call you back with real numbers.
Property Taxes & Homestead in Bonita Springs
The Lee County Property Appraiser values every Bonita Springs parcel each January 1, and the bill is the taxable value times the total millage, which runs about 12.8 mills (the 2025 City of Bonita Springs total rate; unincorporated Lee County parcels use a different, usually lower, rate). Two Florida rules matter most to a new owner: the homestead exemption (up to $50,000 off taxable value plus the 3% Save Our Homes cap) is available only if the home is your permanent residence on January 1, and the assessment resets to market value the year after you buy. The seller's old bill tells you very little about yours.
Estimate Bonita Springs property taxesFree property-tax estimator with Lee County millage & homestead→Recording Your Deed in Bonita Springs
Every Bonita Springs deed and mortgage goes on record with the Lee County Clerk in Fort Myers. Recording fees are the same in all 67 counties: $10 for the first page, $8.50 for each page after, plus the doc stamps and intangible tax collected at closing. We e-record the same day you sign, remit the taxes to the Department of Revenue, and issue your owner's policy once the documents are back.
How Your Bonita Springs Closing Works
Open the File
Send us the executed contract — you, your agent or your lender. We open escrow, order the Bonita Springs search and send wire-safety instructions the same day.
Search & Clear
Our examiners run the Lee County records for liens, judgments, easements and gaps in the chain, then clear what turns up.
Commitment & Figures
You receive the title commitment; we order payoffs, estoppels and the survey and build the settlement statement with your lender.
Sign, Fund, Record
You sign in person, by mail or by remote online notary; funds disburse; the deed records with the Lee County Clerk and your owner's policy issues.
Bonita Springs Title & Property Considerations
The old downtown and the Imperial River parcels trace to 1920s plats with riparian and floodplain questions, and East Bonita acreage carries agricultural easements and wells. Seasonal and Canadian sellers close from out of state, with FIRPTA on foreign sales. Some addresses with Bonita Springs mail are actually Estero, unincorporated Lee County or Collier County, with different millage and custom.
Deeds record with the Lee County Clerk in Fort Myers, with a Bonita Springs branch. Recording is statewide, $10 for the first page and $8.50 per additional page, and we e-record on closing day.
Our Bonita Springs title search and examination are built to surface issues like these before you close — so you take title clean and your ownership is protected from day one.
Neighborhoods & Areas We Serve in Bonita Springs
Atlantic Title Firm closes throughout Bonita Springs, including Bonita Bay, Pelican Landing, Spanish Wells, Barefoot Beach, Bonita Beach, the Imperial River and old downtown, Palmira, Hunters Ridge, Village Walk and the Bonita Beach Road corridor:
Buying or Selling in Bonita Springs? We're Ready.
Local Bonita Springs expertise, statewide licensing, and a closer who answers the phone.
☎ (561) 396-2692Order TitleBonita Springs Title Company FAQ
Does Atlantic Title Firm close in Bonita Springs and Bonita Bay?
Yes. We provide title insurance, escrow and closings throughout Bonita Springs, Bonita Bay, Pelican Landing, Barefoot Beach and the rest of Lee County, for buyers, sellers, seasonal owners, investors and lenders.
What do title insurance and doc stamps cost on a Bonita Springs sale?
On a $520,000 Bonita Springs sale the Florida-specific items are about $3,640 in deed documentary stamps, $2,675 in owner's title insurance and roughly $27 in recording. Our Bonita Springs closing cost calculator adds lender fees and prorations.
Who pays for title insurance in Lee County?
The buyer customarily pays for the owner's title policy in Lee County and usually chooses the closing agent. It is negotiable and the contract controls.
How many estoppels does a Bonita Bay closing need?
Usually three: the master association, the neighborhood association and the club. We order all of them at the start of the file.
Does Hurricane Ian damage affect a Bonita Springs closing?
It can. We check open repair permits, FEMA 50% rule determinations and unpermitted rebuilds, and confirm the seller's flood disclosure covers prior claims.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Bonita Springs agents make us their preferred title company.
Open & Move Your File Online
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Nearby Cities & Counties We Serve
Bonita Springs is in Lee County. See the full county page, or our statewide coverage across all 67 Florida counties.