Hudson Title Company
Title insurance, escrow and closings for Hudson and West Pasco — local know-how, licensed in all 67 Florida counties.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Hudson and the rest of Pasco County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Hudson know-how and statewide reach. Hudson is the unincorporated fishing and retirement community on the Pasco coast north of New Port Richey, with the canal neighborhoods of Hudson Beach, Sea Pines and Leisure Beach on the Gulf, the golf community of Beacon Woods, Bayonet Point’s hospital corridor and dozens of 55+ and manufactured-home parks along US 19. Helene’s 2024 surge hit the canal streets hard. Our Hudson closings turn on seawalls, storm permits, park transfers and estate sales.
On a typical $280,000 Hudson sale, the Florida-specific closing costs run about $3,462 (deed doc stamps + owner’s title + recording). In Pasco County, the seller customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Hudson
Most of what makes a Hudson closing “Florida-specific” comes down to two numbers: the documentary stamp tax on the deed, charged at $0.70 per $100 of the price in Pasco County, and the owner's title insurance premium, which Florida sets by rule so the base rate is the same at every title agency in the state. Here is how they land on a $280,000 Hudson purchase:
Example: $280,000 sale in Hudson
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Hudson closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Hudson
Canal lots and storm surge. Hudson Beach, Sea Pines and Leisure Beach raise seawall ownership, dock permits and dredging questions, and Helene flooded nearly all of them. We check open repair permits, FEMA 50% rule determinations and the seller’s flood disclosure on every waterfront file.
Manufactured-home parks. Many Hudson homes sit in land-lease or resident-owned parks and transfer by state title certificate or co-op share. We handle both and explain retiring the title when home and land go together.
Estate sales. An older ownership base means many Hudson sellers are estates. We confirm the personal representative’s authority and use non-probate transfers where the deed allows.
Unincorporated, county-governed. There is no City of Hudson, so permits and the lien letter come from Pasco County. We order the county lien search the day the file opens.
Who Pays for Title Insurance in Hudson?
In Pasco County the long-standing custom is that the seller pays for the owner's title policy. Because Florida practice lets whoever pays for the policy pick the closing agent, most Hudson contracts name the seller's title company. Nothing in Florida law requires it: the FAR/BAR contract has a checkbox for either party, and buyers, particularly cash and investor buyers, negotiate it regularly. Whichever side you are on, we are happy to be written in.
Request a Hudson Closing Quote
Tell us a little about your Hudson purchase, sale or refinance and a licensed title agent will call you back with real numbers.
Property Taxes & Homestead in Hudson
The Pasco County Property Appraiser values every Hudson parcel each January 1, and the bill is the taxable value times the total millage, which runs about 14.8 mills (an approximate countywide average; rates vary by municipality and district). Two Florida rules matter most to a new owner: the homestead exemption (up to $50,000 off taxable value plus the 3% Save Our Homes cap) is available only if the home is your permanent residence on January 1, and the assessment resets to market value the year after you buy. The seller's old bill tells you very little about yours.
Estimate Hudson property taxesFree property-tax estimator with Pasco County millage & homestead→Recording Your Deed in Hudson
Every Hudson deed and mortgage goes on record with the Pasco County Clerk in Dade City (with a New Port Richey branch). Recording fees are the same in all 67 counties: $10 for the first page, $8.50 for each page after, plus the doc stamps and intangible tax collected at closing. We e-record the same day you sign, remit the taxes to the Department of Revenue, and issue your owner's policy once the documents are back.
How Your Hudson Closing Works
Open the File
Send us the executed contract — you, your agent or your lender. We open escrow, order the Hudson search and send wire-safety instructions the same day.
Search & Clear
Our examiners run the Pasco 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 Pasco County Clerk and your owner's policy issues.
Hudson Title & Property Considerations
Older Hudson homes carry unreleased mortgages from defunct lenders, and Pasco’s sinkhole history appears in many insurance records; a remediated sinkhole is a disclosure issue, not a title defect. Beacon Woods carries HOA estoppels and golf-course questions. Some addresses with Hudson mail are actually Bayonet Point, Port Richey or Spring Hill.
Deeds record with the Pasco County Clerk in Dade City, with a New Port Richey branch. Recording is statewide, $10 for the first page and $8.50 per additional page, and we e-record on closing day.
Our Hudson 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 Hudson
Atlantic Title Firm closes throughout Hudson, including Hudson Beach, Sea Pines, Leisure Beach, Beacon Woods, Bayonet Point, the US 19 park communities, Shadow Run, the Little Road corridor, Heritage Pines and the Spring Hill line:
Buying or Selling in Hudson? We're Ready.
Local Hudson expertise, statewide licensing, and a closer who answers the phone.
☎ (561) 396-2692Order TitleHudson Title Company FAQ
Does Atlantic Title Firm close in Hudson and Hudson Beach?
Yes. We provide title insurance, escrow and closings throughout Hudson, Hudson Beach, Sea Pines, Bayonet Point and the rest of Pasco County, including canal-front, manufactured-home, 55+ and estate closings.
What do title insurance and doc stamps cost on a Hudson sale?
On a $280,000 Hudson sale the Florida-specific items are about $1,960 in deed documentary stamps, $1,475 in owner's title insurance and roughly $27 in recording, before lender fees, prorations and commissions.
Who pays for title insurance in Pasco County?
The seller customarily pays for the owner's title policy in Pasco County and usually chooses the closing agent. It is negotiable and the contract controls.
How does 2024 storm surge affect a Hudson Beach closing?
We check open repair permits, FEMA 50% rule determinations and unpermitted rebuilds, and confirm the seller's flood disclosure covers prior claims, before the policy issues.
How does a manufactured home in a Hudson park transfer?
On leased land, by a state title certificate rather than a deed. In a resident-owned park, by a co-op share plus the home title. We handle both.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Hudson 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.
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Nearby Cities & Counties We Serve
Hudson is in Pasco County. See the full county page, or our statewide coverage across all 67 Florida counties.