For Miami and the surrounding Miami-Dade County, Atlantic Title Firm delivers title insurance, escrow, and real estate closings to buyers, sellers, for-sale-by-owner deals, investors, and lenders — pairing on-the-ground Miami knowledge with the ability to close anywhere in Florida. Miami is one of the most international real estate markets in the country — Brickell and downtown condo towers, a heavy share of foreign buyers and sellers, and everything from historic Coconut Grove to new-construction infill. That mix puts FIRPTA withholding, condo estoppels, and Miami-Dade's own doc-stamp rules at the center of our closings.
On a typical $640,000 Miami sale, the Florida-specific closing costs run about $7,142 (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
Two line items drive most of the Florida-specific cost of a Miami closing: the deed documentary stamp tax and owner's title insurance. Miami falls in Miami-Dade County, which charges a reduced deed doc-stamp rate of $0.60 per $100 on a single-family residence (Florida's standard rate elsewhere is $0.70 per $100; a $0.45/$100 surtax can apply to non-single-family transfers), while owner's title is set at state-promulgated rates that are identical at every Florida title company. On a $640,000 Miami sale, those items look about like this:
Example: $640,000 sale in Miami
Every deal is different — price, loan, prorations, and the contract's cost-split all move these numbers. Get your own estimate below:
See all Florida title calculators →
Who Pays for Title Insurance in Miami?
Miami follows the Miami-Dade County custom: 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 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.
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Buying, selling, or refinancing in Miami? Leave your info and our team will reach out — fast, accurate, and licensed across all 67 Florida counties.
Property Taxes & Homestead in Miami
In Miami, taxes are set by the Miami-Dade County Property Appraiser at an approximate combined millage near 19.5 mills per $1,000 of taxable value. Your permanent home qualifies for the homestead exemption — up to $50,000 off taxable value plus the Save Our Homes 3% annual assessment cap — provided you own and occupy it by January 1. Because Florida resets the assessment to market value the January following a sale, plan your budget around a current market estimate, not the seller's existing tax bill.
Estimate Miami property taxesFree property-tax estimator with Miami-Dade millage & homestead→Recording Your Deed in Miami
Your Miami deed and any mortgage are recorded through the Miami-Dade County Clerk of the Circuit Court, and Florida sets recording fees by statute everywhere in the state — $10 for the first page, $8.50 per additional page. We handle the whole recording step for you: preparing the documents, remitting the documentary stamps, and getting everything on record so your ownership is publicly protected.
How Your Miami Closing Works
Open Title
Your agent, lender, or you send us the contract. We open the file and order the Miami title search right away.
Search & Examine
We examine the public record for liens, judgments, easements, and other clouds — and clear anything that turns up.
Commitment & Prep
We issue the title commitment, order estoppels and payoffs, and prepare your deed, settlement statement, and closing figures.
Close & Record
You sign and fund, then we record the deed and mortgage with the Miami-Dade County Clerk and issue your owner's title policy.
Miami Title & Property Considerations
Miami closings frequently involve foreign sellers, which triggers FIRPTA withholding that we calculate and remit correctly, and dense condominium ownership requiring detailed estoppels, reserve studies, and Florida's structural-inspection (SIRS) review. Miami-Dade also uses a reduced $0.60-per-$100 deed doc-stamp rate on single-family residences (a $0.45/$100 surtax can apply to other property) — we apply it correctly so you aren't overcharged.
Our Miami title search and examination are built to catch 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
Atlantic Title Firm closes throughout Miami, including Brickell, Downtown, Coconut Grove, Coral Way, The Roads and more:
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Fast, accurate title & closing services — local to Miami, licensed across all 67 Florida counties.
☎ (561) 396-2692Order TitleMiami Title Company FAQ
Does Atlantic Title Firm handle closings in Miami?
Yes. Atlantic Title Firm provides title insurance, escrow, and closing services throughout Miami, Miami-Dade County — for buyers, sellers, FSBOs, investors, and lenders.
Do you handle FIRPTA and foreign-seller closings in Miami?
Yes. When the seller is a foreign person, FIRPTA requires the buyer to withhold and remit a percentage of the sale price to the IRS. We calculate the correct withholding, prepare the paperwork, and coordinate any withholding-certificate application so your Miami closing complies.
Who pays for title insurance in Miami and what are the closing costs?
On a $640,000 Miami sale, the biggest Florida-specific costs are about $3,840 in deed documentary stamp tax and $3,275 in owner's title insurance at state-promulgated rates, plus recording fees. Use our closing cost calculator for your exact figure.
Who pays for title insurance in Miami?
In Miami-Dade County, the buyer customarily pays for the owner's title insurance policy, and the paying party generally chooses the closing agent. It's a county custom, not state law, and it's negotiable.
Related Reading
Nearby Cities We Serve
Miami is in Miami-Dade County. See the full county page, or our statewide coverage across all 67 Florida counties.