Flagler Beach Title Company
Flagler Beach closings done right: title search, escrow, doc prep and recording from a Florida title agency licensed statewide.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Flagler Beach and the rest of Flagler County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Flagler Beach know-how and statewide reach. Flagler Beach is the old-Florida beach town between St. Augustine and Daytona, a low-rise strip along A1A with a wooden pier, oceanfront cottages and condos, canal homes on the Intracoastal side and the unincorporated coast of Beverly Beach and Painters Hill to the north. Coastal erosion, storm-surge history and second-home ownership shape our Flagler Beach closings.
On a typical $500,000 Flagler Beach sale, the Florida-specific closing costs run about $6,102 (deed doc stamps + owner’s title + recording). In Flagler County, the seller customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Flagler Beach
If you have bought or sold in another state, two Flagler Beach line items will look unfamiliar. Florida taxes the transfer itself through deed doc stamps at $0.70 per $100, and it fixes the owner's title premium by regulation, so the rate is identical whether you close with us or anyone else in Flagler County. Worked through on a $500,000 Flagler Beach sale:
Example: $500,000 sale in Flagler Beach
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Flagler Beach closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Flagler Beach
Erosion and the CCCL. Flagler Beach’s dune line has retreated through Matthew, Irma, Ian and Nicole, and A1A itself has been rebuilt. Oceanfront lots sit seaward of the Coastal Construction Control Line, and the survey and the state’s erosion-control line both matter. We flag the CCCL and any beach-renourishment easement on the commitment.
Storm permits and the 50% rule. Ian and Nicole in 2022 flooded the oceanfront and canal neighborhoods, leaving open repair permits and FEMA 50% rule questions. We check permits, the elevation certificate and the seller’s flood disclosure.
Intracoastal canal lots. Palm Harbor and the canal streets raise seawall ownership, dock permits and sovereign submerged land questions. We confirm the seawall sits on the lot and docks are permitted before the policy issues.
Second homes and short-term rentals. Many owners live elsewhere and rent the property. We confirm the city’s short-term-rental rules, prorate bookings, and close by mail-away or remote online notarization.
Who Pays for Title Insurance in Flagler Beach?
Who writes the check for the owner's policy in Flagler Beach? By Flagler County custom, the seller, which is also why the seller usually gets to choose the closing agent. The custom is strong but not binding: the contract's title paragraph decides, and we close plenty of Flagler Beach files where the buyer pays and picks, or where the cost is split.
Flagler Beach Closing Cost Quote
Buying, selling or refinancing in Flagler Beach? We'll send a written quote for title, escrow and recording within one business day.
Property Taxes & Homestead in Flagler Beach
The Flagler County Property Appraiser assesses Flagler Beach property every January 1, and the total levy is about 19.5 mills per $1,000 of taxable value (the 2025 City of Flagler Beach total rate; unincorporated Flagler County parcels use a different, usually lower, rate). A permanent resident can claim the homestead exemption and the Save Our Homes 3% cap; an investor or second-home buyer cannot, and every buyer inherits a fresh market-value assessment the year after closing. Model it before you make an offer.
Estimate Flagler Beach property taxesFree property-tax estimator with Flagler County millage & homestead→Recording Your Deed in Flagler Beach
Once you sign and fund, Atlantic Title Firm records your deed (and mortgage, if any) with the Flagler County Clerk in Bunnell, pays the statutory recording fee of $10 for the first page plus $8.50 per additional page, and remits the deed and note doc stamps and intangible tax. Electronic recording means a Flagler Beach deed is usually on record the same day.
How Your Flagler Beach Closing Works
Open the File
Send us the executed contract — you, your agent or your lender. We open escrow, order the Flagler Beach search and send wire-safety instructions the same day.
Search & Clear
Our examiners run the Flagler 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 Flagler County Clerk and your owner's policy issues.
Flagler Beach Title & Property Considerations
Flagler Beach’s 1920s Ocean City plats carry vacated streets and beach-access easements, and older cottages have unreleased mortgages and estate transfers that skipped probate. Beverly Beach and Painters Hill are unincorporated Flagler County with different millage and rules. Some addresses with Flagler Beach mail are actually Palm Coast or unincorporated Flagler.
Deeds record with the Flagler County Clerk in Bunnell. Recording is statewide, $10 for the first page and $8.50 per additional page, and we e-record on closing day.
Our Flagler Beach 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 Flagler Beach
Atlantic Title Firm closes throughout Flagler Beach, including the oceanfront and pier area, the A1A corridor, the Intracoastal canals, Palm Harbor, Beverly Beach, Painters Hill, the Moody Boulevard side, Ocean Palm and the Palm Coast line:
Have a Flagler Beach Contract? Send It Over.
We'll open the file today and quote your closing costs to the dollar.
☎ (561) 396-2692Order TitleFlagler Beach Title Company FAQ
Does Atlantic Title Firm close in Flagler Beach and Beverly Beach?
Yes. We handle title insurance, escrow and closings throughout Flagler Beach, Beverly Beach, Painters Hill and the rest of Flagler County, for buyers, sellers, second-home owners, investors and lenders.
What do title insurance and doc stamps cost on a Flagler Beach sale?
On a $500,000 Flagler Beach sale the Florida-specific items are about $3,500 in deed documentary stamps, $2,575 in owner's title insurance and roughly $27 in recording. Our Flagler Beach closing cost calculator adds lender fees and prorations.
Who pays for title insurance in Flagler County?
The seller customarily pays for the owner's title policy in Flagler County and usually chooses the closing agent. It is negotiable and the contract controls.
How does beach erosion affect a Flagler Beach oceanfront title?
The Coastal Construction Control Line and any erosion-control line or renourishment easement appear on the commitment and limit what can be built or rebuilt. We flag them before you sign.
Can I rent a Flagler Beach home short-term?
In many areas, yes, subject to the city's registration rules. We confirm the rules and prorate any bookings at closing.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Flagler Beach agents make us their preferred title company.
Open & Move Your File Online
Already have a signed contract? Send it over and we’ll open your file today.
Submit a Contract →Related Reading
Nearby Cities & Counties We Serve
Flagler Beach is in Flagler County. See the full county page, or our statewide coverage across all 67 Florida counties.