Homestead Title Company
A licensed Florida title agency closing real estate in Homestead, Miami-Dade County and statewide — with the local knowledge Homestead files demand.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Homestead and the rest of Miami-Dade County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Homestead know-how and statewide reach. Homestead is the southern frontier of Miami-Dade, a 1910s railroad town rebuilt after Hurricane Andrew into a city of gated subdivisions like Keys Gate, Waterstone and Malibu Bay, bordered by the Redland’s agricultural acreage, Homestead Air Reserve Base and the road to the Keys. It is one of the county’s last attainable markets. Our Homestead closings mix first-time buyers, investors, CDD-bonded subdivisions, Redland groves and nurseries, and the Miami-Dade buyer-pays custom.
On a typical $420,000 Homestead sale, the Florida-specific closing costs run about $5,142 (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 Homestead
Sellers and buyers in Homestead 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 $420,000 Homestead sale the two look like this:
Example: $420,000 sale in Homestead
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Homestead closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Homestead
Buyer pays, buyer chooses. Miami-Dade custom puts the owner’s title premium on the buyer, who therefore usually selects the closing agent. Most Homestead contracts follow that, and first-time buyers should expect to pick their title company.
CDD bonds in the gated subdivisions. Keys Gate, Waterstone, Malibu Bay and most post-Andrew communities sit in community development districts with bond assessments on the tax bill. We show the CDD line separately from HOA dues and pull the current schedule.
Redland agricultural titles. Groves, nurseries and five-acre estates carry agricultural exemptions, greenbelt clawbacks, drainage-district assessments and wells. We confirm the exemption status and clear old farm easements before a buyer plans to build.
Investor and first-time-buyer volume. Homestead sees steady flips and rentals. We check municipal lien letters, code-enforcement liens and unpermitted work, especially efficiency units and enclosed patios.
Who Pays for Title Insurance in Homestead?
Homestead follows the Miami-Dade County custom, which runs the other way from most of Florida: the buyer ordinarily pays the owner's title insurance premium, and by Florida tradition the party footing that cost chooses the title and closing agent. So on a typical Homestead transaction the buyer makes the call. It is a local custom, not a legal requirement, and it is always open to negotiation — if you're buying, we'd be glad to be your choice.
Free Homestead Title Quote
Contract in hand or still shopping? Leave your details and we'll walk you through your Homestead closing costs and next steps.
Property Taxes & Homestead in Homestead
Property taxes in Homestead are set by the Miami-Dade County Property Appraiser's assessment and a stack of millage rates that together come to roughly 20.9 mills (the 2025 City of Homestead total rate; unincorporated Miami-Dade 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 Homestead property taxesFree property-tax estimator with Miami-Dade County millage & homestead→Recording Your Deed in Homestead
Recording is the last step that makes a Homestead sale official. The deed, the mortgage and any affidavits are filed with the Miami-Dade County Clerk in Miami 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 Homestead Closing Works
Contract In
Email or upload the signed contract. We open escrow, order the Homestead title search and confirm your closing date within hours.
Examine Title
Our examiners review the Miami-Dade 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 Miami-Dade County Clerk and issue your owner's policy.
Homestead Title & Property Considerations
Downtown Homestead’s 1910s plats carry vacated streets and old railroad rights of way, and pre-Andrew homes may have rebuild permits that were never closed. Homes near the air base carry avigation easements. Many addresses with Homestead mail are actually Florida City, Leisure City, Princeton or unincorporated Miami-Dade, 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 Homestead 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 Homestead
Atlantic Title Firm closes throughout Homestead, including Keys Gate, Waterstone, Malibu Bay, Oasis, historic downtown, the Redland, Leisure City, Princeton, the Homestead Air Reserve Base area and Florida City:
Ready to Close in Homestead?
Order title, get a quote, or send us the contract — we handle the rest.
☎ (561) 396-2692Order TitleHomestead Title Company FAQ
Does Atlantic Title Firm close in Homestead and the Redland?
Yes. We handle title insurance, escrow and closings throughout Homestead, Keys Gate, the Redland, Florida City and the rest of Miami-Dade County, for first-time buyers, sellers, investors, growers and lenders.
What do title insurance and doc stamps cost on a Homestead sale?
On a $420,000 Homestead sale the Florida-specific items are about $2,940 in deed documentary stamps, $2,175 in owner's title insurance and roughly $27 in recording. Our Homestead 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.
What is a CDD assessment in Keys Gate?
A bond repayment for the community's infrastructure, collected on the property tax bill and separate from HOA dues. We show it on the settlement statement so you can budget for it.
What should I check on a Redland grove or nursery before closing?
The agricultural exemption and any clawback, drainage-district assessments, wells and old farm easements, and that structures sit inside the surveyed lines. We review all of it before the policy issues.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Homestead agents make us their preferred title company.
Open & Move Your File Online
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Nearby Cities & Counties We Serve
Homestead is in Miami-Dade County. See the full county page, or our statewide coverage across all 67 Florida counties.