Davenport Title Company
A licensed Florida title agency closing real estate in Davenport, Polk County and statewide — with the local knowledge Davenport files demand.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Davenport and the rest of Polk County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Davenport know-how and statewide reach. Davenport is the address on thousands of vacation homes along US 27 and I-4 near Walt Disney World, but the small historic city itself is only part of the story. Most “Davenport” property is unincorporated Polk County, and some, including parts of ChampionsGate, is actually Osceola County. Our Davenport closings are dominated by short-term-rental resorts such as Solterra, Providence and Windsor-style communities, with buyers from the UK, Canada, Brazil and across the United States closing by mail.
On a typical $380,000 Davenport sale, the Florida-specific closing costs run about $4,662 (deed doc stamps + owner’s title + recording). In Polk County, the seller customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Davenport
Sellers and buyers in Davenport ask the same first question: what does the state take? The answer is the deed doc stamps at $0.70 per $100 of the sale price and the promulgated owner's title premium, a rate fixed by Florida regulation rather than by the title company. On a $380,000 Davenport sale the two look like this:
Example: $380,000 sale in Davenport
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Davenport closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Davenport
Three jurisdictions, one address. A Davenport parcel may be inside the city, in unincorporated Polk County or across the line in Osceola County, each with different millage, a different clerk and different short-term-rental rules. We confirm the jurisdiction from the parcel ID before preparing a single document, because the wrong assumption changes the tax proration and where the deed records.
Foreign sellers and FIRPTA. With so many overseas owners, FIRPTA withholding is a routine part of Davenport closings. We calculate the withholding, handle the IRS forms and coordinate withholding certificates so a foreign seller is not surprised at the table and a buyer is not exposed afterward.
Rental programs, bookings and furniture. Vacation-home sales usually transfer future bookings, guest deposits, furniture packages and a tourist-development-tax account. The contract has to address each one and the settlement statement has to prorate rents correctly. We have done it many times.
CDDs and resort HOAs. Providence, Solterra and most of the resort communities are financed by community development districts and governed by associations with rental-registration and architectural rules. We pull the district assessment, order the estoppel early and confirm any pending special assessment before closing.
Who Pays for Title Insurance in Davenport?
Davenport follows the seller-pays convention used across Polk County: the seller covers the owner's title insurance premium and, in exchange, selects the title and closing agent. Treat it as a starting point rather than a rule. The contract can put the premium on the buyer, split it, or leave the seller paying while the buyer chooses the closer. We work all of those arrangements every week.
Free Davenport Title Quote
Contract in hand or still shopping? Leave your details and we'll walk you through your Davenport closing costs and next steps.
Property Taxes & Homestead in Davenport
Property taxes in Davenport are set by the Polk County Property Appraiser's assessment and a stack of millage rates that together come to roughly 19.4 mills (the 2025 City of Davenport total rate; unincorporated Polk County parcels use a different, usually lower, rate). Buy a homestead and you get up to $50,000 in exemptions plus the Save Our Homes 3% cap going forward, but the cap the seller enjoyed does not transfer: the assessment returns to market value the January after closing. Our estimator models both.
Estimate Davenport property taxesFree property-tax estimator with Polk County millage & homestead→Recording Your Deed in Davenport
Recording is the last step that makes a Davenport sale official. The deed, the mortgage and any affidavits are filed with the Polk County Clerk in Bartow at Florida's statutory rate of $10 for the first page and $8.50 per additional page. Atlantic Title Firm prepares the package, pays the doc stamps and intangible tax, records electronically on closing day and delivers your recorded deed and title policy.
How Your Davenport Closing Works
Contract In
Email or upload the signed contract. We open escrow, order the Davenport title search and confirm your closing date within hours.
Examine Title
Our examiners review the Polk County records for liens, judgments, easements and chain-of-title gaps and start clearing them.
Commitment Out
You and your lender receive the commitment; we order payoffs, estoppels and the survey and prepare the settlement statement.
Fund & Record
Sign in person, by mail or by remote notary; we disburse, e-record with the Polk County Clerk and issue your owner's policy.
Davenport Title & Property Considerations
Because most Davenport resort homes are less than fifteen years old, the common title finds are recent: builder warranty assignments, unreleased construction liens, open pool and screen-enclosure permits, and HOA transfer fees. Historic downtown Davenport and the Lake Davenport shoreline bring older chains of title and lakefront dock questions.
City of Davenport millage is higher than the unincorporated Polk rate, and a CDD line can add substantially to a resort home’s bill. Deeds record with the Polk County Clerk in Bartow, or the Osceola County Clerk in Kissimmee for Osceola-side parcels; we e-record on closing day either way.
Our Davenport 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 Davenport
Atlantic Title Firm closes throughout Davenport, including Solterra Resort, Providence, ChampionsGate, Loma Vista, Horse Creek at Crosswinds, historic downtown Davenport and Lake Davenport:
Ready to Close in Davenport?
Order title, get a quote, or send us the contract — we handle the rest.
☎ (561) 396-2692Order TitleDavenport Title Company FAQ
Does Atlantic Title Firm close vacation homes in Davenport?
Yes. We handle title insurance, escrow and closings throughout Davenport, Solterra, Providence, ChampionsGate and the US 27 resort corridor, for domestic and international buyers and sellers.
What do title insurance and doc stamps cost on a Davenport sale?
On a $380,000 Davenport sale the Florida-specific items are about $2,660 in deed documentary stamps, $1,975 in owner's title insurance and roughly $27 in recording. Our Davenport closing cost calculator adds lender fees and prorations.
Who pays for title insurance in Davenport?
Polk and Osceola counties both follow the seller-pays custom for the owner's title policy, and the seller usually chooses the closing agent. The contract can change that.
I am selling from the UK. What is FIRPTA withholding?
A federal rule requiring the buyer to withhold a percentage of the price when the seller is a foreign person. We calculate it, file the forms and help you apply for a reduced-withholding certificate where you qualify.
Do future rental bookings transfer at closing?
Only if the contract says so. Most vacation-home contracts assign bookings and deposits to the buyer, and we prorate the rents on the settlement statement.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Davenport agents make us their preferred title company.
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Nearby Cities & Counties We Serve
Davenport is in Polk County. See the full county page, or our statewide coverage across all 67 Florida counties.