Navarre Title Company

Atlantic Title Firm provides title insurance, escrow, and closing services throughout Navarre and the rest of Santa Rosa County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Navarre know-how and statewide reach. Navarre is unincorporated Santa Rosa County on the Santa Rosa Sound, between Gulf Breeze and Fort Walton Beach, with Navarre Beach across the causeway on Santa Rosa Island and Hurlburt Field and Eglin Air Force Base minutes away. Two things define Navarre title work: the beach is on leased land, and a large share of buyers and sellers are military families closing on a PCS timeline from somewhere else.

Title & Closing Costs in Navarre

Sellers and buyers in Navarre 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 $400,000 Navarre sale the two look like this:

These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers below:

What Is Different About Closing in Navarre

Navarre Beach is leasehold, not fee simple. The island land under Navarre Beach homes and condos is owned by Santa Rosa County under a long-term lease from Escambia County, and owners hold sub-leases rather than deeds to the dirt. The title policy is a leasehold policy, the transfer is an assignment of lease that must be approved and recorded, and the Florida Supreme Court has confirmed these leaseholds are taxed like real property. We handle Navarre Beach assignments regularly and explain the lease terms before you sign.

Military closings. With Hurlburt Field and Eglin next door, we build Navarre files around military powers of attorney, deployed spouses, VA loan requirements and mail-away or remote online notarization closings timed to report dates. If the seller is already at the next duty station, we make it work.

Holley by the Sea and the big HOAs. Holley by the Sea is one of the largest homeowner associations in Florida, and Navarre has several other sizeable communities. Estoppels, recorded covenants and any pending assessments are ordered early so the settlement statement is right the first time.

Sound-front and bay-front docks. Property on the Santa Rosa Sound and East Bay involves dock permits, sovereign submerged land questions and, in places, the Gulf Islands National Seashore boundary. We read the survey and the chain and identify what is insured and what is not.

Who Pays for Title Insurance in Navarre?

Navarre follows the seller-pays convention used across Santa Rosa County: the seller covers the owner's title insurance premium and, in exchange, selects the title and closing agent. Treat it as a starting point rather than a rule. The contract can put the premium on the buyer, split it, or leave the seller paying while the buyer chooses the closer. We work all of those arrangements every week.

Property Taxes & Homestead in Navarre

Property taxes in Navarre are set by the Santa Rosa County Property Appraiser's assessment and a stack of millage rates that together come to roughly 13.5 mills (an approximate countywide average; rates vary by municipality and district). 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.

Recording Your Deed in Navarre

Recording is the last step that makes a Navarre sale official. The deed, the mortgage and any affidavits are filed with the Santa Rosa County Clerk in Milton 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 Navarre Closing Works

Navarre Title & Property Considerations

Flood zones drive Navarre insurance: island property is largely VE and AE, and elevation certificates and wind mitigation inspections are routine conditions of a loan. Mainland neighborhoods off Highway 98 and Highway 87 are mostly newer construction with HOA restrictions and, in some subdivisions, recorded utility easements from the original developer.

Santa Rosa County’s comparatively low millage is a genuine advantage, but Florida reassesses to market value the January after a sale and homestead must be applied for. Deeds and lease assignments record with the Santa Rosa County Clerk of Court in Milton.

Our Navarre 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 Navarre

Atlantic Title Firm closes throughout Navarre, including Navarre Beach, Holley by the Sea, Hidden Creek, Whispering Pines, Holley and East Bay:

Navarre Title Company FAQ

Related Reading

Closing

Using a Power of Attorney to Close on a Florida Home (2026)

A power of attorney lets someone sign for you at a Florida closing — but only if it's the right kind, properly executed, and approved by the title company.

Florida Real Estate

Mail-Away Closings in Florida

Buying or selling Florida property from out of state? Here's how a mail-away closing works — you sign locally, we handle the rest.

Closing Killers

Homeowners Insurance Won't Bind?

In Florida, a failed 4-Point inspection or an old roof can stop an insurer from binding coverage — and kill your closing, because lenders require insurance.

Nearby Cities & Counties We Serve

Navarre is in Santa Rosa County. See the full county page, or our statewide coverage across all 67 Florida counties.