Pace Title Company
Pace closings done right: title search, escrow, doc prep and recording from a Florida title agency licensed statewide.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Pace and the rest of Santa Rosa County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Pace know-how and statewide reach. Pace is the fastest-growing part of the Pensacola area and has never been a city: unincorporated Santa Rosa County land between Milton and the Escambia River, where subdivisions along Highway 90, Woodbine Road and Chumuckla Highway have filled with military families from NAS Pensacola and Whiting Field and Pensacola commuters. Our Pace closings are mostly new construction and near-new resales with HOAs, VA loans on PCS timelines and rural acreage on the northern edge.
On a typical $350,000 Pace sale, the Florida-specific closing costs run about $4,302 (deed doc stamps + owner’s title + recording). In Santa Rosa County, the seller customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Pace
If you have bought or sold in another state, two Pace line items will look unfamiliar. Florida taxes the transfer itself through deed doc stamps at $0.70 per $100, and it fixes the owner's title premium by regulation, so the rate is identical whether you close with us or anyone else in Santa Rosa County. Worked through on a $350,000 Pace sale:
Example: $350,000 sale in Pace
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Pace closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Pace
Builder closings. Builders along Woodbine and Chumuckla run their own timelines with declarant-controlled HOAs. We review builder contracts, confirm each lot is released from construction financing and issue the owner’s policy independently.
Military and VA closings. NAS Pensacola, Whiting Field and Hurlburt bring PCS-timeline buyers and sellers. We run those files on orders-driven schedules, know the VA’s fee rules and handle powers of attorney for deployed spouses.
Escambia River and creek lots. Parcels along the Escambia River, Pace Mill Creek and the bayous raise floodplain and sovereign submerged land questions, and Sally in 2020 flooded the low areas. We check the survey and the flood disclosure.
Unincorporated, county-governed. There is no city of Pace, so permits and the lien letter come from Santa Rosa County. We order the county lien search the day the file opens.
Who Pays for Title Insurance in Pace?
Who writes the check for the owner's policy in Pace? By Santa Rosa County custom, the seller, which is also why the seller usually gets to choose the closing agent. The custom is strong but not binding: the contract's title paragraph decides, and we close plenty of Pace files where the buyer pays and picks, or where the cost is split.
Pace Closing Cost Quote
Buying, selling or refinancing in Pace? We'll send a written quote for title, escrow and recording within one business day.
Property Taxes & Homestead in Pace
The Santa Rosa County Property Appraiser assesses Pace property every January 1, and the total levy is about 11.3 mills per $1,000 of taxable value (an approximate countywide average; rates vary by municipality and district). A permanent resident can claim the homestead exemption and the Save Our Homes 3% cap; an investor or second-home buyer cannot, and every buyer inherits a fresh market-value assessment the year after closing. Model it before you make an offer.
Estimate Pace property taxesFree property-tax estimator with Santa Rosa County millage & homestead→Recording Your Deed in Pace
Once you sign and fund, Atlantic Title Firm records your deed (and mortgage, if any) with the Santa Rosa County Clerk in Milton, pays the statutory recording fee of $10 for the first page plus $8.50 per additional page, and remits the deed and note doc stamps and intangible tax. Electronic recording means a Pace deed is usually on record the same day.
How Your Pace Closing Works
Open the File
Send us the executed contract — you, your agent or your lender. We open escrow, order the Pace search and send wire-safety instructions the same day.
Search & Clear
Our examiners run the Santa Rosa 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 Santa Rosa County Clerk and your owner's policy issues.
Pace Title & Property Considerations
Former timber and farm land carries mineral reservations and greenbelt clawbacks, and older homes off Highway 90 have wells, septic and estate transfers. Some addresses with Pace mail are actually Milton, Pea Ridge or unincorporated areas with other names.
Deeds record with the Santa Rosa County Clerk in Milton. Recording is statewide, $10 for the first page and $8.50 per additional page, and we e-record on closing day.
Our Pace 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 Pace
Atlantic Title Firm closes throughout Pace, including the Highway 90 corridor, Woodbine Road, Chumuckla Highway, Pace Mill Creek, Stonebrook Village, Pea Ridge, the Escambia River side, Ashley Place, Hidden Creek and the Milton line:
Have a Pace Contract? Send It Over.
We'll open the file today and quote your closing costs to the dollar.
☎ (561) 396-2692Order TitlePace Title Company FAQ
Does Atlantic Title Firm close in Pace?
Yes. We handle title insurance, escrow and closings throughout Pace, Pea Ridge, Chumuckla and the rest of Santa Rosa County, for military families, buyers, sellers, builders and lenders.
What do title insurance and doc stamps cost on a Pace sale?
On a $350,000 Pace sale the Florida-specific items are about $2,450 in deed documentary stamps, $1,825 in owner's title insurance and roughly $27 in recording, before lender fees, prorations and commissions.
Who pays for title insurance in Santa Rosa County?
The seller customarily pays for the owner's title policy in Santa Rosa County and usually chooses the closing agent. Builder contracts often shift that, and it is negotiable.
Do I have to use the builder's title company in Pace?
No. Florida lets you choose your closing agent, though a builder may condition incentives on using its affiliate. We can review the contract and tell you what you would give up.
Can a deployed service member close on a Pace home?
Yes, through a properly drafted power of attorney or remote online notarization, which we coordinate with the lender in advance.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Pace 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.
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Nearby Cities & Counties We Serve
Pace is in Santa Rosa County. See the full county page, or our statewide coverage across all 67 Florida counties.