Atlantic Title Firm is a Florida title company serving Orlando and the surrounding Orange County area. We handle title insurance, escrow, and real estate closings for buyers, sellers, for-sale-by-owner deals, investors, and lenders — with local Orlando knowledge and the reach to close anywhere in the state. Orlando's housing runs from historic brick-street neighborhoods around the downtown lakes to enormous master-planned communities like Lake Nona and Horizon West. Community Development District (CDD) assessments, HOA estoppels, and new-construction builder deeds are everyday parts of an Orlando closing.
On a typical $390,000 Orlando sale, the Florida-specific closing costs run about $4,782 (deed doc stamps + owner’s title + recording). In Orange County, the seller customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Orlando
Two line items drive most of the Florida-specific cost of a Orlando closing: the deed documentary stamp tax and owner's title insurance. Orlando uses Florida's standard deed doc-stamp rate of $0.70 per $100 of the sale price, while owner's title is set at state-promulgated rates that are identical at every Florida title company. On a $390,000 Orlando sale, those items look about like this:
Example: $390,000 sale in Orlando
Treat these as a ballpark: the real figures shift with the sale price, your financing, tax and HOA prorations, and how the contract splits costs. Calculate yours here:
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Who Pays for Title Insurance in Orlando?
In Orange County, the settled custom is that the seller pays for the owner's title policy and, because the paying party typically selects the closing agent, that decision traditionally rests with the seller on a Orlando sale. Remember, though, this is a county custom rather than a statute — every term is negotiable, so if you're selling you can name your own title company in the contract.
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Buying, selling, or refinancing in Orlando? Leave your info and our team will reach out — fast, accurate, and licensed across all 67 Florida counties.
Property Taxes & Homestead in Orlando
In Orlando, taxes are set by the Orange 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 Orlando property taxesFree property-tax estimator with Orange millage & homestead→Recording Your Deed in Orlando
Once you close, the deed and mortgage for your Orlando property go on record at the Orange County Clerk of the Circuit Court. Recording fees are fixed by Florida statute statewide — $10 for the first page and $8.50 for each page after. Atlantic Title Firm takes care of it end to end: document prep, doc-stamp remittance, and recording, so your Orlando closing is finalized and your title secured.
How Your Orlando Closing Works
Open Title
Your agent, lender, or you send us the contract. We open the file and order the Orlando 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 Orange County Clerk and issue your owner's title policy.
Orlando Title & Property Considerations
Orlando's booming master-planned communities (Lake Nona, Horizon West, Laureate Park) frequently carry Community Development District (CDD) bond assessments that must be verified and disclosed, plus HOA estoppels and capital-contribution fees. Older neighborhoods around the downtown lakes bring longer chains of title and renovation history.
We design each Orlando title search to surface exactly these kinds of problems ahead of closing, clearing them so nothing clouds your title after the keys change hands.
Neighborhoods & Areas We Serve in Orlando
Atlantic Title Firm closes throughout Orlando, including College Park, Baldwin Park, Lake Nona, Dr. Phillips, Delaney Park and more:
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Fast, accurate title & closing services — local to Orlando, licensed across all 67 Florida counties.
☎ (561) 396-2692Order TitleOrlando Title Company FAQ
Does Atlantic Title Firm handle closings in Orlando?
Yes. Atlantic Title Firm provides title insurance, escrow, and closing services throughout Orlando, Orange County — for buyers, sellers, FSBOs, investors, and lenders.
What is a CDD assessment and do Orlando homes have them?
A Community Development District (CDD) is a special taxing district that funds a community's infrastructure via an assessment on your tax bill, often with a bond balance. Many newer Orlando-area communities have one — we verify the assessment and any remaining bond so it's fully disclosed before you close.
Who pays for title insurance in Orlando and what are closing costs?
On a $390,000 Orlando sale, the biggest Florida-specific costs are about $2,730 in deed documentary stamp tax and $2,025 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 Orlando?
In Orange County, the seller 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
Orlando is in Orange County. See the full county page, or our statewide coverage across all 67 Florida counties.