Instant Florida documentary stamp tax calculation for any deed or mortgage. Updated for 2026 rates. Covers all 67 Florida counties including the Miami-Dade variant.
Deed: $500,000 ÷ 100 × $0.70 = $3,500 · Note: $400,000 ÷ 100 × $0.35 = $1,400
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The Florida documentary stamp tax — commonly called "doc stamps" or "doc stamp tax" — is a state-imposed tax on documents that transfer Florida real property or evidence a debt secured by Florida real property. It is collected by the county clerk at the time the documents are recorded in the official records and remitted to the Florida Department of Revenue under Florida Statute Chapter 201. The doc stamp tax appears on every Florida residential closing in two places: the deed and the promissory note.
Atlantic Title Firm handles thousands of Florida closings every year. We calculate, collect, and remit the doc stamp tax for every transaction we close. The calculator above uses the exact Florida statutory rate formulas we apply on real closings, so the number you see matches what you will see on your settlement statement.
The doc stamp tax on the deed is $0.70 per $100 of the sale price (or $7.00 per $1,000) in 66 of Florida's 67 counties. It is calculated on the gross sale price — the contract price as written, before any financing concessions, seller credits, or prorations. The seller customarily pays this tax under the standard FAR/BAR contract, although it can be allocated to the buyer through contract negotiation.
On a $400,000 Florida home sale outside Miami-Dade, the deed doc stamp is $400,000 ÷ 100 × $0.70 = $2,800. On a $750,000 sale, it is $5,250. On a $1,000,000 sale, it is $7,000. The tax is the same regardless of whether the buyer pays cash or finances the purchase.
Miami-Dade County is the only Florida county with a different deed doc stamp rate. In Miami-Dade the deed doc stamp is reduced to $0.60 per $100 ($6.00 per $1,000) on transfers of single-family residential property. However, Miami-Dade adds a discretionary surtax of $0.45 per $100 on transfers of property other than a single-family residence — meaning multifamily buildings, commercial properties, and vacant land in Miami-Dade pay a combined $1.05 per $100 ($0.60 base + $0.45 surtax), which is higher than the standard $0.70 rate. Our calculator handles the residential single-family case; for commercial or multifamily Miami-Dade transactions, contact us for a transaction-specific calculation.
When a buyer finances the purchase with a mortgage, Florida also charges doc stamps on the promissory note at $0.35 per $100 of the loan amount ($3.50 per $1,000) in every Florida county including Miami-Dade. The buyer pays this tax. There is no doc stamp on the note for cash purchases since there is no note being recorded — one of several reasons cash buyers see materially lower closing costs.
On a $400,000 loan, the doc stamp on the note is $400,000 ÷ 100 × $0.35 = $1,400. The doc stamp on the note combines with the Florida intangible tax on the mortgage ($0.002 per $1) for a total Florida-specific cost of about $5.50 per $1,000 borrowed — a unique buyer-side cost that catches many out-of-state Florida home buyers off guard.
Doc stamps are paid at the time of recording — not at the contract signing or the disbursement of funds, but at the moment the deed and mortgage are physically recorded in the county clerk's official records. At a typical Florida residential closing, the closing agent (us) collects the doc stamp amounts from the appropriate parties via the settlement statement, includes them in the closing disbursement, and submits payment to the county clerk along with the documents to be recorded. The county clerk verifies the payment, stamps the documents, and forwards the tax to the Florida Department of Revenue. If doc stamps are miscalculated or underpaid, the county will reject the documents — meaning your closing is not legally complete until the correction is made. This is one of the most common sources of closing-day delays when an inexperienced closing agent is involved.
A Florida refinance does not require a new deed since the property owner does not change — so there is no doc stamp on the deed on a refinance. There is, however, a new promissory note being signed and a new mortgage being recorded, so the buyer (borrower) pays the doc stamp on the note at $0.35 per $100 of the new loan amount, plus the Florida intangible tax on the new mortgage. On a $400,000 refinance, that adds up to $1,400 (doc stamps) + $800 (intangible tax) = $2,200 of Florida-specific closing costs — before any title work, recording fees, or lender charges.
$0.70 per $100 of the sale price on the deed (every Florida county except Miami-Dade, which is $0.60 per $100 with a $0.45 per $100 surtax on non-single-family transfers), and $0.35 per $100 of the loan amount on the promissory note (every Florida county).
The seller customarily pays under the FAR/BAR contract. It is collected by the closing agent and remitted to the county clerk at recording. The contract can shift this cost to the buyer through negotiation, but the standard custom is seller-pays.
The buyer (borrower) pays the doc stamp on the note when financing a Florida purchase. The amount is $0.35 per $100 of the loan amount. Cash purchases do not trigger this tax.
The note doc stamp ($0.35/$100) is uniform statewide. The deed doc stamp is $0.70/$100 in 66 counties; Miami-Dade has the variant rate plus a surtax on non-single-family transfers.
Sale price / 100 × $0.70 = deed doc stamp (or $0.60 in Miami-Dade single-family). Loan amount / 100 × $0.35 = note doc stamp. The calculator at the top of this page does both calculations automatically.
Seller-paid doc stamps generally reduce the seller's capital gain on the sale. Buyer-paid doc stamps generally add to the buyer's cost basis. Always consult your tax advisor for your specific situation.
We handle Florida doc stamps, intangible tax, recording, title search, title insurance, and settlement for every closing — statewide, transparent flat fees.