Atlantic Title Firm is a Florida title company serving Miami-Dade County and the Miami area. We handle title insurance, escrow, and real estate closings for buyers, sellers, for-sale-by-owner deals, investors, and lenders — with local Miami-Dade County knowledge and the reach to close anywhere in the state. We work throughout South Florida, including Miami, Miami Beach, Hialeah, Coral Gables, Aventura, Doral, Homestead, Kendall, and North Miami.
Title & Closing Costs in Miami-Dade County
The largest Florida-specific costs at a Miami-Dade County closing are the documentary stamp tax on the deed and owner's title insurance. Miami-Dade is the only Florida county with a different deed doc-stamp rate: $0.60 per $100 on single-family homes (versus $0.70 elsewhere), plus a $0.45 per $100 surtax on transfers of property other than a single-family residence. That makes doc stamps on Miami-Dade multifamily and commercial deals higher than anywhere else in the state.
Owner's title insurance in Florida is charged at state-promulgated rates — the same base rate at every title company statewide ($5.75 per $1,000 up to $100,000, then $5.00 per $1,000 above). Here's roughly how those line items look on a $460,000 Miami-Dade County sale (an approximate local median):
Example: $460,000 sale in Miami-Dade County
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers:
Who Pays for Title Insurance in Miami-Dade County?
Miami-Dade is one of the handful of South Florida counties where the custom flips: in Miami-Dade County, the buyer customarily pays for the owner's title insurance policy. And because, by longstanding Florida custom, the party who pays for the owner's policy generally chooses the title and closing agent, in Miami-Dade County that choice usually belongs to the buyer. This is a county-by-county custom — not a state law — and it is always negotiable in the contract. If you're buying in Miami-Dade County, you typically get to pick your closing agent, so choose one that works to protect you.
Get a Miami-Dade County Title Quote
Buying, selling, or refinancing in Miami-Dade County? Leave your info and our team will reach out — fast, accurate, and licensed across all 67 Florida counties.
Property Taxes & Homestead in Miami-Dade County
Miami-Dade County's approximate average combined millage is about 19.8 mills per $1,000 of taxable value, set by the county, cities, school board, and special districts and assessed by the Miami-Dade County Property Appraiser. If the home is your permanent primary residence as of January 1, the homestead exemption lowers your taxable value by up to $50,000 and activates the Save Our Homes 3% assessment cap. Remember that Florida reassesses to market value the January after a sale — so budget from a market estimate, not the seller's old tax bill.
Estimate Miami-Dade County property taxesFree property-tax estimator — Miami-Dade County millage built in→Recording Your Deed in Miami-Dade County
Deeds and mortgages in Miami-Dade County are recorded with the Miami-Dade County Clerk of the Circuit Court. Florida recording fees are set by statute statewide — $10 for the first page and $8.50 for each additional page — so they're the same in Miami-Dade County as everywhere else in Florida. As your closing agent, Atlantic Title Firm prepares your documents, collects and remits the doc stamps, and records everything with the Clerk so your closing is complete and your title is protected.
Estimate your Florida recording feesFirst page + additional pages, at statewide statutory rates→Miami-Dade County Title & Property Risks to Watch
Miami-Dade County includes significant coastal and waterfront property, and title work here often surfaces issues tied to the water: unpermitted or expired seawall, dock, and boatlift work, coastal-construction-control-line and elevation questions, and flood-zone considerations that can affect your insurance and your closing timeline. Beyond the coast, we also watch for the title defects common across Florida — open or expired building permits, unrecorded contractor liens, HOA and CDD (Community Development District) assessments and estoppel issues, and homestead or marital-signature requirements.
Our Miami-Dade County title search and examination are built to surface these issues before you close — so you take title clean and your ownership is protected from day one.
Cities We Serve in Miami-Dade County
Atlantic Title Firm closes throughout Miami-Dade County, including:
Closing in Miami-Dade County? Let's Get Started.
Fast, accurate title & closing services — local to Miami-Dade County, licensed across all 67 Florida counties.
☎ (561) 396-2692 Order TitleMiami-Dade County Title Company FAQ
Does Atlantic Title Firm handle closings in Miami-Dade County?
Yes. Atlantic Title Firm provides title insurance, escrow, and closing services throughout Miami-Dade County, including Miami, Miami Beach, and the surrounding area — for buyers, sellers, FSBOs, investors, and lenders.
How much are closing costs in Miami-Dade County?
They vary by price and who pays what, but the biggest Florida-specific items are documentary stamp tax on the deed (about $2,760 on a $460,000 sale in Miami-Dade County), owner's title insurance at state-promulgated rates (about $2,375 on that price), plus recording fees and any lender charges. Use our closing cost calculator for your exact numbers.
What is the doc stamp rate in Miami-Dade County?
Miami-Dade charges $0.60 per $100 on single-family deeds plus a $0.45 per $100 surtax on other property types.
Who records the deed in Miami-Dade County?
Recorded documents are filed with the Miami-Dade County Clerk of the Circuit Court. Florida recording fees are set by statute statewide — $10 for the first page and $8.50 for each additional page. As your closing agent, Atlantic Title Firm prepares, records, and remits everything for you.
What are property taxes like in Miami-Dade County?
Miami-Dade County's approximate average combined millage is about 19.8 mills (per $1,000 of taxable value), assessed by the Miami-Dade County Property Appraiser. If the home is your primary residence, the homestead exemption reduces your taxable value by up to $50,000. Estimate your bill with our property tax estimator.
Who pays for title insurance in Miami-Dade County?
In Miami-Dade County, the buyer customarily pays for the owner's title insurance policy, and by Florida custom the party who pays usually chooses the closing agent — so that choice typically belongs to the buyer. It is a county custom, not state law, and it is negotiable in the contract.
Related Reading
Other Florida Counties We Serve
Atlantic Title Firm serves all 67 Florida counties — see our statewide title company page.