Cutler Bay Title Company
Title insurance, escrow and real estate closings in Cutler Bay, backed by a licensed Florida agency serving all 67 counties.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Cutler Bay and the rest of Miami-Dade County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Cutler Bay know-how and statewide reach. Cutler Bay is the town that grew out of Cutler Ridge after Hurricane Andrew leveled it in 1992, a mix of rebuilt 1960s ranch homes, the lake communities of Saga Bay and Lakes by the Bay, estates along Old Cutler Road and the mangrove coast around Black Point marina. Andrew’s rebuild permits, coastal flood zones and the county’s buyer-pays custom shape our Cutler Bay closings.
On a typical $520,000 Cutler Bay sale, the Florida-specific closing costs run about $6,342 (deed doc stamps + owner’s title + recording). In Miami-Dade County, the buyer customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Cutler Bay
Every Cutler Bay settlement statement carries two charges that exist only because the property is in Florida: documentary stamps on the deed ($0.70 for every $100 of the price in Miami-Dade County) and the owner's title insurance premium, which the state publishes as a promulgated rate so no title company can quote a lower or higher base premium. Applied to a $520,000 Cutler Bay sale:
Example: $520,000 sale in Cutler Bay
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Cutler Bay closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Cutler Bay
Buyer pays, buyer chooses. Miami-Dade custom puts the owner’s title premium on the buyer, who therefore usually selects the closing agent. Most Cutler Bay contracts follow that, and we are glad to be the buyer’s choice.
Hurricane Andrew rebuild titles. Nearly every pre-1992 home in Cutler Bay was rebuilt or repaired after Andrew, and some permits were never closed. We pull the town and county permit history and flag open or unpermitted work before the buyer inherits it.
Coastal flood zones. Everything east of Old Cutler Road sits in AE or VE flood zones near Biscayne Bay. We check the elevation certificate and the seller’s flood disclosure, and confirm the lender’s flood-insurance requirement early.
Lake communities and HOAs. Saga Bay, Lakes by the Bay and the newer subdivisions carry estoppels, transfer fees and lake-maintenance assessments. We order them at file opening.
Who Pays for Title Insurance in Cutler Bay?
In Miami-Dade 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 Cutler Bay 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.
Start Your Cutler Bay Quote
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Property Taxes & Homestead in Cutler Bay
Your Cutler Bay tax bill starts with the Miami-Dade County Property Appraiser's assessment and multiplies it by a combined rate of roughly 17.9 mills (the 2025 City of Cutler Bay total rate; unincorporated Miami-Dade County parcels use a different, usually lower, rate). The homestead exemption removes up to $50,000 of taxable value for a primary residence held on January 1 and starts the 3% Save Our Homes cap, but a purchase resets the assessment to market value the following January. Estimate from the price you are paying, not the seller's bill.
Estimate Cutler Bay property taxesFree property-tax estimator with Miami-Dade County millage & homestead→Recording Your Deed in Cutler Bay
A Cutler Bay closing is not finished until the deed and mortgage are on record with the Miami-Dade County Clerk in Miami. Florida's fee is fixed by statute at $10 for the first page and $8.50 for each additional page; doc stamps and intangible tax are paid at the same time. We e-record on closing day and send you the recorded deed and your owner's policy.
How Your Cutler Bay Closing Works
Open Title
Your agent, lender, or you send us the contract. We open the file and order the Cutler Bay title search right away.
Search & Examine
We examine the public record for liens, judgments, easements, and other clouds — and clear anything that turns up.
Commitment & Prep
We issue the title commitment, order estoppels and payoffs, and prepare your deed, settlement statement, and closing figures.
Close & Record
You sign and fund, then we record the deed and mortgage with the Miami-Dade County Clerk and issue your owner's title policy.
Cutler Bay Title & Property Considerations
Old Cutler Road estates trace to 1920s plats with riparian and mangrove-protection questions, and the Black Point area carries county park and marina easements. Cutler Ridge’s 1960s grid has unreleased mortgages and estate transfers that skipped probate. Some addresses with Cutler Bay mail are actually Palmetto Bay, unincorporated Miami-Dade or Homestead, with different millage.
Deeds record with the Miami-Dade County Clerk in downtown Miami. Recording is statewide, $10 for the first page and $8.50 per additional page, and we e-record on closing day.
Our Cutler Bay 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 Cutler Bay
Atlantic Title Firm closes throughout Cutler Bay, including Cutler Ridge, Saga Bay, Lakes by the Bay, Old Cutler Road, the Black Point marina area, Bel Aire, Whispering Pines, the Caribbean Boulevard corridor and Cutler Cay:
Let's Close Your Cutler Bay Deal.
Local Cutler Bay knowledge, licensed in all 67 Florida counties, one call to get started.
☎ (561) 396-2692Order TitleCutler Bay Title Company FAQ
Does Atlantic Title Firm close in Cutler Bay and Saga Bay?
Yes. We provide title insurance, escrow and closings throughout Cutler Bay, Cutler Ridge, Saga Bay, Lakes by the Bay and the rest of Miami-Dade County, for buyers, sellers, investors and lenders.
What do title insurance and doc stamps cost on a Cutler Bay sale?
On a $520,000 Cutler Bay 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 Cutler Bay closing cost calculator adds lender fees and prorations.
Who pays for title insurance in Miami-Dade County?
The buyer customarily pays for the owner's title policy in Miami-Dade County and usually chooses the closing agent. It is negotiable and the contract controls.
Do Hurricane Andrew repairs affect a Cutler Bay title?
They can. Rebuild permits that were never closed show up as open permits, and unpermitted rebuilds are common. We pull the permit history on every pre-1992 home.
Is a home east of Old Cutler Road in a flood zone?
Almost always. We confirm the zone on the elevation certificate, check the seller's flood disclosure and flag the lender's flood-insurance requirement early.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Cutler Bay agents make us their preferred title company.
Open & Move Your File Online
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Nearby Cities & Counties We Serve
Cutler Bay is in Miami-Dade County. See the full county page, or our statewide coverage across all 67 Florida counties.