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Florida Refinance Closings

Document Recording on Florida Refinances

New Mortgage in. Old Satisfaction out. Doc stamps and intangible tax calculated to the cent. E-recorded statewide.

☎ (561) 396-2692
The Last Mile of a Refinance

Recording Is Where the Loan Becomes Real

A refinance is not actually complete on the signing date. The borrower signs, the lender funds, but the new loan does not exist as a recorded lien — and the old loan does not formally disappear from the public record — until two documents reach the county Clerk of Court: the new Mortgage, and the Satisfaction of the prior Mortgage. Until that happens, the new lender's first-lien position is not perfected.

Atlantic Title Firm e-records refinance Mortgages and Satisfactions in all 67 Florida counties as a routine, daily workflow. We calculate Florida documentary stamp tax on the Mortgage, Florida non-recurring intangible tax, and the correct per-page recording fee for each county Clerk, then submit before the county's daily cutoff so the stamped recorded copy returns same-day where possible — then deliver the recorded instruments to the lender as part of the post-close package.

$0.35/$100
FL Doc Stamp on Mortgage
$0.002/$1
FL Intangible Tax
67
Florida Counties E-Recorded
Same-day
Typical E-Recording Return
Florida refinance Mortgage document recording paperwork
What Gets Recorded

The Refinance Recording Package

New Mortgage

The new Mortgage securing the refinance loan — including legal description, MIN number where MERS is mortgagee, and lender-required riders — is recorded as a first-position lien.

Satisfaction of Prior Mortgage

Once the old servicer issues the Satisfaction, we record it against the property to clear the old lien from the public record — and follow up until it is delivered if the servicer is slow.

Doc Stamp on Mortgage

Florida documentary stamp tax of $0.35 per $100 of indebtedness on the new Mortgage, computed on the CD and collected by the county Clerk at recording.

Non-Recurring Intangible Tax

Florida non-recurring intangible tax of $0.002 per $1 of the mortgage amount — collected once at recording, separate from doc stamps, on every new Florida Mortgage.

County Recording Fees

Per-page recording fees set by each Florida county Clerk — calculated against the correct page count for the Mortgage and any additional instruments.

E-Recording Delivery

Submitted through Simplifile, ePN, or another vendor accepted by the county — stamped recorded copy returns electronically, typically same day.

Florida e-recording desk for refinance Mortgage
E-Recording vs Paper

Why E-Recording Wins Every Time

Every Florida Clerk of Court accepts e-recording, from major metros to small inland counties, and the overwhelming majority of refinance Mortgages move this way. The submitter uploads the signed Mortgage PDF, the platform routes it to the destination county, the Clerk indexes and records, and the recorded image returns electronically with the official recording stamp, instrument number, and book and page.

When paper recording still happens

Paper recording is reserved for unusual instruments — an original document with a raised seal, a quirky ancillary recording, or a county-specific exception. On paper jobs we ship overnight with a recording check and track the return. For routine refinance Mortgages and Satisfactions, e-recording is faster, cheaper, and far less prone to scrivener errors that bounce the document back.

Our Process

Recording, Step by Step

1

Doc Prep & Tax Calc

Mortgage assembled with correct legal description, MIN# from the loan docs, riders, and Florida doc stamp + intangible tax calculated on the CD.

2

Signing & QC

Borrower signs, notary completes acknowledgment, we quality-check signatures, dates, MIN, and acknowledgment before submitting.

3

E-Record to County

After funding and rescission, the Mortgage is e-submitted to the Florida county Clerk before the daily cutoff. Doc stamps and intangible tax remitted with submission.

4

Satisfaction & Return

Recorded Mortgage delivered to the lender. We track the prior-lender Satisfaction and record it as soon as it arrives.

Common Questions

Document Recording FAQ

What documents get recorded on a Florida refinance?
On a typical Florida refinance the new Mortgage securing the new loan is recorded against the property, and the Satisfaction of the prior Mortgage (once received from the old servicer) is recorded to clear the public record. Depending on the file, additional recordings may include a Notice of Future Advance, an assignment of mortgage to the new investor, a modification or subordination of an existing junior lien, or a release of a HELOC. Atlantic Title Firm records every required instrument in the correct county across all 67 Florida counties.
What is Florida documentary stamp tax on a refinance Mortgage?
Florida documentary stamp tax on a Mortgage is $0.35 per $100 of indebtedness, calculated on the principal amount secured by the new Mortgage. On a $300,000 refinance Mortgage, the doc stamp would be $1,050. We compute this on the Closing Disclosure and remit it to the Florida county Clerk of Court as part of the recording charges.
What is Florida non-recurring intangible tax on a refinance?
Florida non-recurring intangible tax on a new mortgage is $0.002 (two-tenths of one percent) per $1 of the mortgage amount. On a $300,000 refinance Mortgage that is $600. The tax is collected at recording and is in addition to the documentary stamp tax. We calculate both correctly on the borrower's Closing Disclosure so there are no surprises at the closing table.
What is e-recording and do all Florida counties accept it?
E-recording is the electronic submission of recordable documents to a county Clerk of Court through a secure platform such as Simplifile or ePN. The submitter uploads the signed PDF, the platform routes it to the county, the Clerk indexes and records the document, and a stamped recorded copy returns electronically — often within hours instead of days. E-recording is the standard delivery method for refinance documents in all 67 Florida counties and is what Atlantic Title Firm uses on virtually every file.
What is a MIN number on a Mortgage and why does it matter?
The MIN (Mortgage Identification Number) is an 18-digit number assigned by MERS — the Mortgage Electronic Registration System — that uniquely identifies a loan registered with MERS and follows it through any assignment between MERS members. Most lender refinance packages list MERS as the mortgagee and require the MIN to appear on the Mortgage. We confirm the MIN is correct on the signed Mortgage before recording so the loan can be tracked and assigned downstream without a recorded assignment.
How long does it take to get a recorded Mortgage back from a Florida county?
With e-recording, recorded Mortgages typically come back within hours of submission for most Florida counties when submitted before the county's daily cutoff. Larger counties may queue submissions and return them the next business day. Paper recording takes days to weeks. We submit the new Mortgage to e-recording immediately after funding and rescission so the recorded copy is available for the lender's post-close package as fast as possible.
Related Refinance Services

The Rest of Your Refinance

Recording depends on every step before it. See our title update, payoff coordination, and lender coordination pages, read about title insurance and escrow services, view the full refinance closing offering, check the locations page, or contact us to get started.

Ready to Record?

Send Us the Refinance File

We record in every Florida county. Doc stamps and intangible tax calculated correctly, every time.

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