Clermont Title Company
Title insurance, escrow and closings for Clermont and South Lake County — local know-how, licensed in all 67 Florida counties.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Clermont and the rest of Lake County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Clermont know-how and statewide reach. Clermont is the hill country west of Orlando, a citrus town turned commuter city with the Clermont Chain of Lakes, the Citrus Tower, Kings Ridge and a wave of new communities along Highway 50, Hartwood Marsh Road and the Wellness Way corridor. Its south end blends into Four Corners, where vacation-rental subdivisions serve Disney visitors. Our Clermont closings cover 55+ villas, lakefront homes, builder files and short-term-rental investors.
On a typical $430,000 Clermont sale, the Florida-specific closing costs run about $5,262 (deed doc stamps + owner’s title + recording). In Lake County, the seller customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Clermont
Most of what makes a Clermont 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 Lake 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 $430,000 Clermont purchase:
Example: $430,000 sale in Clermont
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Clermont closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Clermont
Kings Ridge and the 55+ communities. Kings Ridge, Summit Greens and Heritage Hills carry master and sub-association estoppels, capital contributions and age-restriction rules. We order every estoppel at file opening and confirm the buyer qualifies under the community’s age covenant.
CDD bonds on the new corridors. Most of the Wellness Way and Hartwood Marsh communities sit in community development districts with bond assessments collected on the tax bill. We show the CDD line separately on the settlement statement so nobody confuses it with HOA dues.
Four Corners short-term rentals. The 34714 zip is full of vacation-rental subdivisions where the deed restrictions permit, or prohibit, nightly rental. We read the covenants and county zoning on every investor file so the income plan matches what the lot actually allows.
Lakefront and hillside lots. The Clermont chain raises high-water-line, dock and canal questions, and the hills raise drainage and retaining-wall issues the survey will show. We review both against the plat before the policy issues.
Who Pays for Title Insurance in Clermont?
In Lake County the long-standing custom is that the seller pays for the owner's title policy. Because Florida practice lets whoever pays for the policy pick the closing agent, most Clermont contracts name the seller's title company. Nothing in Florida law requires it: the FAR/BAR contract has a checkbox for either party, and buyers, particularly cash and investor buyers, negotiate it regularly. Whichever side you are on, we are happy to be written in.
Request a Clermont Closing Quote
Tell us a little about your Clermont purchase, sale or refinance and a licensed title agent will call you back with real numbers.
Property Taxes & Homestead in Clermont
The Lake County Property Appraiser values every Clermont parcel each January 1, and the bill is the taxable value times the total millage, which runs about 16.7 mills (the 2025 City of Clermont total rate; unincorporated Lake 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 Clermont property taxesFree property-tax estimator with Lake County millage & homestead→Recording Your Deed in Clermont
Every Clermont deed and mortgage goes on record with the Lake County Clerk in Tavares. 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 Clermont Closing Works
Open the File
Send us the executed contract — you, your agent or your lender. We open escrow, order the Clermont search and send wire-safety instructions the same day.
Search & Clear
Our examiners run the Lake 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 Lake County Clerk and your owner's policy issues.
Clermont Title & Property Considerations
Former grove parcels around Clermont carry agricultural easements and greenbelt clawbacks, and some older neighborhoods near downtown trace to 1920s plats with unreleased liens. Many addresses with Clermont mail are actually unincorporated Lake County, Minneola or Groveland, with different millage and rules.
Deeds record with the Lake County Clerk in Tavares. Recording is statewide, $10 for the first page and $8.50 per additional page, and we e-record on closing day.
Our Clermont 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 Clermont
Atlantic Title Firm closes throughout Clermont, including Kings Ridge, Summit Greens, Heritage Hills, Wellness Way, Hartwood Marsh, Four Corners, the Clermont Chain of Lakes, downtown Clermont and Lost Lake:
Buying or Selling in Clermont? We're Ready.
Local Clermont expertise, statewide licensing, and a closer who answers the phone.
☎ (561) 396-2692Order TitleClermont Title Company FAQ
Does Atlantic Title Firm close in Clermont and Four Corners?
Yes. We handle title insurance, escrow and closings throughout Clermont, Kings Ridge, Four Corners and the rest of Lake County, for buyers, sellers, investors, builders and lenders.
What do title insurance and doc stamps cost on a Clermont sale?
On a $430,000 Clermont sale the Florida-specific items are about $3,010 in deed documentary stamps, $2,225 in owner's title insurance and roughly $27 in recording. Our Clermont closing cost calculator adds lender fees and prorations.
Who pays for title insurance in Lake County?
The seller customarily pays for the owner's title policy in Lake County and usually chooses the closing agent. It is negotiable and the contract controls.
Can I buy a Clermont home as a short-term rental?
Only where both the county zoning and the deed restrictions allow it, which is common in Four Corners and rare in the 55+ communities. We confirm both before closing.
What is a CDD assessment on a Clermont tax bill?
A bond repayment for the community's infrastructure, collected with property taxes and separate from HOA dues. We show it on the settlement statement so you can budget for it.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Clermont agents make us their preferred title company.
Open & Move Your File Online
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Nearby Cities & Counties We Serve
Clermont is in Lake County. See the full county page, or our statewide coverage across all 67 Florida counties.