Miami Gardens Title Company
A licensed Florida title agency closing real estate in Miami Gardens, Miami-Dade County and statewide — with the local knowledge Miami Gardens files demand.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Miami Gardens and the rest of Miami-Dade County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Miami Gardens know-how and statewide reach. Miami Gardens is the largest majority-Black city in Florida, assembled in 2003 from the 1950s and 1960s subdivisions of Carol City, Norland, Andover, Scott Lake and Bunche Park around Hard Rock Stadium and Calder. Its block homes are one of the county’s main first-time-buyer markets and a steady investor target. Our Miami Gardens closings mix first purchases, estate sales, flips and the Miami-Dade buyer-pays custom.
On a typical $420,000 Miami Gardens 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 Miami Gardens
Sellers and buyers in Miami Gardens 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 Miami Gardens sale the two look like this:
Example: $420,000 sale in Miami Gardens
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Miami Gardens closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Miami Gardens
Buyer pays, buyer chooses. Miami-Dade custom puts the owner’s title premium on the buyer, who therefore usually picks the closing agent. First-time buyers in Miami Gardens should expect to choose their title company, and we walk them through it.
Estate sales and heirs’ property. Many Miami Gardens homes have been in one family since the 1960s and pass through estates, sometimes without probate ever being opened. We sort out who holds title, open a summary probate where needed and use non-probate transfers where the deed allows.
Investor and rehab volume. Flips are common. We check the municipal lien letter, code-enforcement liens and unpermitted work, especially efficiency units, enclosed carports and added rooms.
Down-payment assistance programs. Many Miami Gardens buyers use county, state or city assistance with second mortgages and recorded restrictions. We coordinate the program lender, record the subordinate documents correctly and make sure the deadlines line up.
Who Pays for Title Insurance in Miami Gardens?
Miami Gardens 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 Miami Gardens 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 Miami Gardens Title Quote
Contract in hand or still shopping? Leave your details and we'll walk you through your Miami Gardens closing costs and next steps.
Property Taxes & Homestead in Miami Gardens
Property taxes in Miami Gardens are set by the Miami-Dade County Property Appraiser's assessment and a stack of millage rates that together come to roughly 22.4 mills (the 2025 City of Miami Gardens 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 Miami Gardens property taxesFree property-tax estimator with Miami-Dade County millage & homestead→Recording Your Deed in Miami Gardens
Recording is the last step that makes a Miami Gardens 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 Miami Gardens Closing Works
Contract In
Email or upload the signed contract. We open escrow, order the Miami Gardens 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.
Miami Gardens Title & Property Considerations
Older Miami Gardens homes often carry unreleased mortgages from defunct lenders, old FHA and VA liens that were paid but never satisfied of record, and title-fraud attempts against elderly or absent owners. Homes near Opa-locka Airport carry avigation easements. Some addresses with Miami Gardens mail are actually Opa-locka, Miami Lakes 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 Miami Gardens 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 Miami Gardens
Atlantic Title Firm closes throughout Miami Gardens, including Carol City, Norland, Andover, Scott Lake, Bunche Park, Lake Lucerne, the Hard Rock Stadium area, the 27th Avenue corridor and the Calder area:
Ready to Close in Miami Gardens?
Order title, get a quote, or send us the contract — we handle the rest.
☎ (561) 396-2692Order TitleMiami Gardens Title Company FAQ
Does Atlantic Title Firm close in Miami Gardens and Carol City?
Yes. We handle title insurance, escrow and closings throughout Miami Gardens, Carol City, Norland, Andover and the rest of Miami-Dade County, for first-time buyers, sellers, estates, investors and lenders.
What do title insurance and doc stamps cost on a Miami Gardens sale?
On a $420,000 Miami Gardens 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 Miami Gardens 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.
My parents' house in Miami Gardens was never probated. Can I sell it?
Often, yes, after a summary or formal probate, or through a non-probate path if the deed allows. We review the deed and the family situation and tell you which applies.
Can I use down-payment assistance on a Miami Gardens purchase?
Yes. We coordinate with the program lender, record the second mortgage and restrictions correctly and keep the program deadlines on track.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Miami Gardens agents make us their preferred title company.
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Nearby Cities & Counties We Serve
Miami Gardens is in Miami-Dade County. See the full county page, or our statewide coverage across all 67 Florida counties.