North Miami Title Company
Title insurance, escrow and closings for North Miami and Northeast Miami-Dade — local know-how, licensed in all 67 Florida counties.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout North Miami and the rest of Miami-Dade County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local North Miami know-how and statewide reach. North Miami is the working heart of northeast Miami-Dade, home to the largest Haitian community in the country, the FIU Biscayne Bay campus, the canal-front estates of Keystone Point and Sans Souci, the Biscayne Landing redevelopment on the old landfill and a 1950s grid of block homes west of Biscayne Boulevard. Our North Miami closings mix canal-front luxury, first-time buyers, investors and estate sales, with the county’s buyer-pays custom on nearly every contract.
On a typical $450,000 North Miami sale, the Florida-specific closing costs run about $5,502 (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 North Miami
Most of what makes a North Miami closing “Florida-specific” comes down to two numbers: the documentary stamp tax on the deed, charged at $0.70 per $100 of the price in Miami-Dade County, and the owner's title insurance premium, which Florida sets by rule so the base rate is the same at every title agency in the state. Here is how they land on a $450,000 North Miami purchase:
Example: $450,000 sale in North Miami
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the North Miami closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in North Miami
Buyer pays, buyer chooses. Miami-Dade custom puts the owner’s title premium on the buyer, who therefore usually picks the closing agent. Most North Miami contracts follow that, and we are glad to be the buyer’s choice.
Keystone Point and Sans Souci. The canal islands raise seawall ownership, dock permits, sovereign submerged land and fixed-bridge access questions, and Keystone Point has a guard-gate special taxing district. We confirm the seawall sits on the lot, docks are permitted and the district assessment is on the statement.
Investor and rehab volume. The 1950s grid sees steady flips and rentals. We check the municipal lien letter, code-enforcement liens and unpermitted work, especially efficiency units and enclosed carports.
Caribbean and out-of-country sellers. Many sellers are estates or owners who have returned to Haiti or elsewhere. We handle mail-away closings with consulate or approved foreign notarization and FIRPTA where it applies.
Who Pays for Title Insurance in North Miami?
In Miami-Dade 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 North Miami 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.
Request a North Miami Closing Quote
Tell us a little about your North Miami purchase, sale or refinance and a licensed title agent will call you back with real numbers.
Property Taxes & Homestead in North Miami
The Miami-Dade County Property Appraiser values every North Miami parcel each January 1, and the bill is the taxable value times the total millage, which runs about 22.1 mills (the 2025 City of North Miami total rate; unincorporated Miami-Dade County parcels use a different, usually lower, rate). Two Florida rules matter most to a new owner: the homestead exemption (up to $50,000 off taxable value plus the 3% Save Our Homes cap) is available only if the home is your permanent residence on January 1, and the assessment resets to market value the year after you buy. The seller's old bill tells you very little about yours.
Estimate North Miami property taxesFree property-tax estimator with Miami-Dade County millage & homestead→Recording Your Deed in North Miami
Every North Miami deed and mortgage goes on record with the Miami-Dade County Clerk in Miami. Recording fees are the same in all 67 counties: $10 for the first page, $8.50 for each page after, plus the doc stamps and intangible tax collected at closing. We e-record the same day you sign, remit the taxes to the Department of Revenue, and issue your owner's policy once the documents are back.
How Your North Miami Closing Works
Open the File
Send us the executed contract — you, your agent or your lender. We open escrow, order the North Miami search and send wire-safety instructions the same day.
Search & Clear
Our examiners run the Miami-Dade County records for liens, judgments, easements and gaps in the chain, then clear what turns up.
Commitment & Figures
You receive the title commitment; we order payoffs, estoppels and the survey and build the settlement statement with your lender.
Sign, Fund, Record
You sign in person, by mail or by remote online notary; funds disburse; the deed records with the Miami-Dade County Clerk and your owner's policy issues.
North Miami Title & Property Considerations
Biscayne Landing and the Munisport area carry environmental-remediation covenants recorded from the old landfill, which we identify on the commitment. Older homes often carry unreleased mortgages and estate transfers that skipped probate. Some addresses with North Miami mail are actually North Miami Beach, Miami Shores, Biscayne Park 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 North Miami 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 North Miami
Atlantic Title Firm closes throughout North Miami, including Keystone Point, Sans Souci, Biscayne Landing, the FIU corridor, Sunkist Grove, the Biscayne Boulevard corridor, the 125th Street downtown, the Arch Creek area and Enchanted Lake:
Buying or Selling in North Miami? We're Ready.
Local North Miami expertise, statewide licensing, and a closer who answers the phone.
☎ (561) 396-2692Order TitleNorth Miami Title Company FAQ
Does Atlantic Title Firm close in North Miami and Keystone Point?
Yes. We provide title insurance, escrow and closings throughout North Miami, Keystone Point, Sans Souci, Biscayne Landing and the rest of Miami-Dade County, for buyers, sellers, investors, estates, out-of-country owners and lenders.
What do title insurance and doc stamps cost on a North Miami sale?
On a $450,000 North Miami sale the Florida-specific items are about $3,150 in deed documentary stamps, $2,325 in owner's title insurance and roughly $27 in recording. Our North Miami 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.
Can a seller living in Haiti close a North Miami sale from there?
Yes, by mail-away with notarization at the U.S. embassy or through an approved remote online notary. We also handle FIRPTA withholding when the seller is a foreign person.
What should I check on a Keystone Point canal lot?
Seawall ownership, dock permits, the fixed-bridge clearance to the bay and the guard-gate district assessment. We review the survey and permits before the policy issues.
A dedicated closer, co-branded marketing, and clear updates on every file — see why North Miami agents make us their preferred title company.
Open & Move Your File Online
Already have a signed contract? Send it over and we’ll open your file today.
Submit a Contract →Related Reading
Nearby Cities & Counties We Serve
North Miami is in Miami-Dade County. See the full county page, or our statewide coverage across all 67 Florida counties.