Dunedin Title Company
A licensed Florida title agency closing real estate in Dunedin, Pinellas County and statewide — with the local knowledge Dunedin files demand.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Dunedin and the rest of Pinellas County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Dunedin know-how and statewide reach. Dunedin is the small Scottish-flavored town on St. Joseph Sound between Clearwater and Palm Harbor, with a walkable downtown on the Pinellas Trail, golf-cart neighborhoods, Fairway Estates around the Dunedin Golf Club, Dunedin Isles on the water and the causeway to Honeymoon and Caladesi islands. Its 1920s plats and waterfront lots give our Dunedin closings a title profile all their own.
On a typical $430,000 Dunedin sale, the Florida-specific closing costs run about $5,262 (deed doc stamps + owner’s title + recording). In Pinellas County, the seller customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Dunedin
Sellers and buyers in Dunedin 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 $430,000 Dunedin sale the two look like this:
Example: $430,000 sale in Dunedin
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Dunedin closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Dunedin
Waterfront and flood-zone titles. Dunedin Isles, the Edgewater corridor and the bayous sit in AE and VE flood zones, and Helene’s 2024 surge left open repair permits and FEMA 50% rule questions on many homes. We check permits, the elevation certificate and the seller’s flood disclosure on every waterfront file.
1920s plats and vacated streets. Downtown and the older grid trace to the original Dunedin plats with vacated alleys, old railroad rights of way along the Trail and utility easements the survey will show. We run the full chain before the policy issues.
Golf-cart zones and deed restrictions. Much of Dunedin is a designated golf-cart zone, and some neighborhoods carry deed restrictions on carts, fences and short-term rentals enforced by voluntary associations. We identify which restrictions still run with the land.
Retiree and seasonal buyers. A large share of Dunedin buyers close from out of state or Canada. Mail-away and remote online notarization closings are routine for us, and we walk foreign sellers through FIRPTA withholding.
Who Pays for Title Insurance in Dunedin?
Dunedin follows the seller-pays convention used across Pinellas 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 Dunedin Title Quote
Contract in hand or still shopping? Leave your details and we'll walk you through your Dunedin closing costs and next steps.
Property Taxes & Homestead in Dunedin
Property taxes in Dunedin are set by the Pinellas County Property Appraiser's assessment and a stack of millage rates that together come to roughly 17.6 mills (the 2025 City of Dunedin total rate; unincorporated Pinellas 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 Dunedin property taxesFree property-tax estimator with Pinellas County millage & homestead→Recording Your Deed in Dunedin
Recording is the last step that makes a Dunedin sale official. The deed, the mortgage and any affidavits are filed with the Pinellas County Clerk in Clearwater (with a St. Petersburg office) 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 Dunedin Closing Works
Contract In
Email or upload the signed contract. We open escrow, order the Dunedin title search and confirm your closing date within hours.
Examine Title
Our examiners review the Pinellas 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 Pinellas County Clerk and issue your owner's policy.
Dunedin Title & Property Considerations
Fairway Estates and the golf-course neighborhoods have club and association questions since the city’s purchase of the golf club. Older homes may carry unreleased mortgages and estate transfers that skipped probate. Some addresses with Dunedin mail are actually unincorporated Pinellas County, Clearwater or Palm Harbor, with different millage.
Deeds record with the Pinellas County Clerk in Clearwater. Recording is statewide, $10 for the first page and $8.50 per additional page, and we e-record on closing day.
Our Dunedin 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 Dunedin
Atlantic Title Firm closes throughout Dunedin, including downtown and the Pinellas Trail, Dunedin Isles, Fairway Estates, Edgewater, Highland Woods, Curlew Landings, Baywood, the causeway approach and Dunedin Cove:
Ready to Close in Dunedin?
Order title, get a quote, or send us the contract — we handle the rest.
☎ (561) 396-2692Order TitleDunedin Title Company FAQ
Does Atlantic Title Firm close in Dunedin and North Pinellas?
Yes. We provide title insurance, escrow and closings throughout Dunedin, Dunedin Isles, Fairway Estates and the rest of Pinellas County, for buyers, sellers, seasonal owners, investors and lenders.
What do title insurance and doc stamps cost on a Dunedin sale?
On a $430,000 Dunedin 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 Dunedin closing cost calculator adds lender fees and prorations.
Who pays for title insurance in Pinellas County?
The seller customarily pays for the owner's title policy in Pinellas County and usually chooses the closing agent. It is negotiable and the contract controls.
How does 2024 hurricane damage affect a Dunedin waterfront closing?
We check for open repair permits, FEMA 50% rule determinations and unpermitted rebuilds, and confirm the seller's flood disclosure covers prior claims, before the policy issues.
Can a Canadian seller close a Dunedin sale from home?
Yes, by mail-away or remote online notarization. We also handle the FIRPTA withholding a foreign seller owes at closing.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Dunedin agents make us their preferred title company.
Open & Move Your File Online
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Nearby Cities & Counties We Serve
Dunedin is in Pinellas County. See the full county page, or our statewide coverage across all 67 Florida counties.