Longboat Key Title Company
Local Longboat Key title work with statewide reach — title insurance, escrow and closings for buyers, sellers, investors and lenders.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Longboat Key and the rest of Sarasota County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Longboat Key know-how and statewide reach. Longboat Key is the eleven-mile barrier island between Sarasota and Anna Maria, split down the middle by the Sarasota-Manatee county line, with Gulf-front condo towers, the gated bayfront estates of Bay Isles and the Longboat Key Club, canal homes in Country Club Shores and the old fishing village at the north end. Our Longboat Key closings are luxury and seasonal purchases where the county line, milestone rules, seawalls and the buyer-pays custom all shape the file.
On a typical $1,200,000 Longboat Key sale, the Florida-specific closing costs run about $14,002 (deed doc stamps + owner’s title + recording). In Sarasota County, the buyer customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Longboat Key
Strip away lender fees and prorations and a Longboat Key closing has two Florida-mandated costs: the deed documentary stamp tax at $0.70 per $100 of the purchase price and the promulgated owner's title insurance premium. The first goes to the state; the second is set by the state. Here is the math on a $1,200,000 Longboat Key transaction:
Example: $1,200,000 sale in Longboat Key
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Longboat Key closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Longboat Key
Two counties, one island. The south half records in Sarasota County and the north half in Manatee, with different millage, property appraisers and custom nuances, though both follow buyer-pays. We confirm the county on every file, because the tax estimate, recording office and homestead filing all depend on it.
Buyer pays, buyer chooses. Sarasota and Manatee custom puts the owner’s title premium on the buyer, who therefore usually selects the closing agent. Most Longboat contracts follow that, and we are glad to be the buyer’s choice.
Milestone inspections and storm history. Most Gulf-front towers date from the 1970s and 1980s and are under milestone inspection and reserve rules, and Helene and Milton in 2024 flooded the island. We pull the inspection and SIRS status, read minutes for assessments and check open repair permits.
Seawalls, docks and Gulf access. Canal and bayfront lots raise seawall ownership, dock permits, sovereign submerged land and bridge-clearance questions. We confirm the seawall sits on the lot and every dock is permitted before the policy issues.
Who Pays for Title Insurance in Longboat Key?
In Sarasota County the long-standing custom puts the owner's title policy on the buyer, and because whoever pays for the policy usually picks the closing agent, most Longboat Key contracts name the buyer's title company. Sellers relocating from seller-pays counties are often pleasantly surprised. Nothing in Florida law requires it: the FAR/BAR contract has a checkbox for either party, and it is negotiated regularly. Whichever side you are on, we are happy to be written in.
Talk to a Longboat Key Title Agent
Questions about a Longboat Key contract, a lien, or a deed? Leave your details and we'll call you back the same day.
Property Taxes & Homestead in Longboat Key
Taxes on a Longboat Key home are the Sarasota County Property Appraiser's taxable value times a total rate of about 13.3 mills (the 2025 City of Longboat Key total rate; unincorporated Sarasota County parcels use a different, usually lower, rate). Homestead buyers get up to $50,000 in exemptions plus the 3% Save Our Homes cap; everyone gets a reassessment to market value the January after the sale, which is why the seller's capped bill understates what you will owe.
Estimate Longboat Key property taxesFree property-tax estimator with Sarasota County millage & homestead→Recording Your Deed in Longboat Key
The Sarasota County Clerk in Sarasota (with a Venice branch) is the recording office for every Longboat Key deed, mortgage and satisfaction. Fees are the same statewide: $10 for page one and $8.50 for each page after. We prepare the documents, collect the doc stamps and intangible tax at closing, e-record and deliver the recorded instruments with your owner's title policy.
How Your Longboat Key Closing Works
Contract In
Email or upload the signed contract. We open escrow, order the Longboat Key title search and confirm your closing date within hours.
Examine Title
Our examiners review the Sarasota 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 Sarasota County Clerk and issue your owner's policy.
Longboat Key Title & Property Considerations
High-value Longboat files bring wire-fraud risk, foreign sellers with FIRPTA and entity buyers who need SB 264 documentation. Bay Isles and the Club carry master and club estoppels with large transfer fees. The Village at the north end traces to 1910s plats with vacated streets and old fish-house easements.
Deeds record with the Sarasota County Clerk in Sarasota for the south end and the Manatee County Clerk in Bradenton for the north end. Recording is statewide, $10 for the first page and $8.50 per additional page, and we e-record on closing day.
Our Longboat Key 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 Longboat Key
Atlantic Title Firm closes throughout Longboat Key, including the Gulf-front condo corridor, Bay Isles, the Longboat Key Club, Country Club Shores, the Village, Sleepy Lagoon, Emerald Harbor, Buttonwood Harbor and the St. Armands approach:
Longboat Key Title & Escrow, Handled.
Fast, accurate closings with a dedicated closer — call or order title online.
☎ (561) 396-2692Order TitleLongboat Key Title Company FAQ
Does Atlantic Title Firm close on Longboat Key?
Yes. We provide title insurance, escrow and closings throughout Longboat Key, both the Sarasota and Manatee County halves, for buyers, sellers, seasonal owners, foreign and entity buyers and lenders.
How much are closing costs on Longboat Key, Florida?
On a $1,200,000 Longboat Key sale the Florida-specific items are about $8,400 in deed documentary stamps, $5,575 in owner's title insurance and roughly $27 in recording. Our Longboat Key closing cost calculator adds lender fees and prorations.
Who pays for title insurance on Longboat Key?
The buyer customarily pays for the owner's title policy in both Sarasota and Manatee Counties and usually chooses the closing agent. It is negotiable and the contract controls.
Which county is my Longboat Key home in?
The south half is Sarasota County and the north half is Manatee. We confirm it on every file, because millage, the recording office and the homestead filing depend on it.
Does a Longboat Key Gulf-front condo need a milestone inspection?
If the building is three stories or taller and past the statutory age, yes, and lenders now ask for it. We pull the status and the reserve study with the estoppel.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Longboat Key agents make us their preferred title company.
Open & Move Your File Online
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Nearby Cities & Counties We Serve
Longboat Key is in Sarasota County. See the full county page, or our statewide coverage across all 67 Florida counties.