Sebastian Title Company
Title insurance, escrow and closings for Sebastian and the Treasure Coast — local know-how, licensed in all 67 Florida counties.
Atlantic Title Firm provides title insurance, escrow, and closing services throughout Sebastian and the rest of Indian River County. Buyers, sellers, FSBOs, investors, and lenders rely on us for accurate, on-time closings — backed by local Sebastian know-how and statewide reach. Sebastian is the fishing town at the north end of Indian River County, with a riverfront downtown on the Indian River Lagoon, the Sebastian Inlet minutes away, the old Roseland neighborhood on the St. Sebastian River and, behind it all, Sebastian Highlands, a General Development Corporation grid of thousands of quarter-acre lots that is still filling in. Retirees and boaters make the market. Our Sebastian closings mix GDC-plat titles, riverfront lots, 55+ files and new builds in the Highlands.
On a typical $380,000 Sebastian sale, the Florida-specific closing costs run about $4,662 (deed doc stamps + owner’s title + recording). In Indian River County, the seller customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Sebastian
Most of what makes a Sebastian 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 Indian River 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 $380,000 Sebastian purchase:
Example: $380,000 sale in Sebastian
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers with the Sebastian closing cost calculator, or use the statewide tools below:
See all Florida title calculators →
What Is Different About Closing in Sebastian
Sebastian Highlands and the GDC plats. General Development sold Highlands lots by mail in the 1960s and 1970s, and title searches turn up unreleased installment contracts, old deed restrictions and partial releases, plus vacant-lot fraud risk. We clear the gaps and verify the seller’s ownership on every lot file.
Indian River and St. Sebastian River frontage. Riverfront lots raise sovereign submerged land, seawall, dock and manatee-zone questions, and Ian and Nicole in 2022 left open repair permits. We confirm every dock is permitted and check the flood disclosure.
55+ communities and Barefoot Bay. The age-restricted communities carry estoppels and age covenants, and Barefoot Bay just across the Brevard line is a land-lease manufactured-home community with its own transfer rules. We confirm the county and the community’s process on every file.
Retiree and seasonal buyers. Most Sebastian buyers come from the Northeast and close from there. Mail-away and remote online notarization closings are routine, and we walk buyers through Florida homestead after closing.
Who Pays for Title Insurance in Sebastian?
In Indian River County the long-standing custom is that the seller pays for the owner's title policy. Because Florida practice lets whoever pays for the policy pick the closing agent, most Sebastian contracts name the seller's title company. Nothing in Florida law requires it: the FAR/BAR contract has a checkbox for either party, and buyers, particularly cash and investor buyers, negotiate it regularly. Whichever side you are on, we are happy to be written in.
Request a Sebastian Closing Quote
Tell us a little about your Sebastian purchase, sale or refinance and a licensed title agent will call you back with real numbers.
Property Taxes & Homestead in Sebastian
The Indian River County Property Appraiser values every Sebastian parcel each January 1, and the bill is the taxable value times the total millage, which runs about 16.5 mills (the 2025 City of Sebastian total rate; unincorporated Indian River 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 Sebastian property taxesFree property-tax estimator with Indian River County millage & homestead→Recording Your Deed in Sebastian
Every Sebastian deed and mortgage goes on record with the Indian River County Clerk in Vero Beach. 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 Sebastian Closing Works
Open the File
Send us the executed contract — you, your agent or your lender. We open escrow, order the Sebastian search and send wire-safety instructions the same day.
Search & Clear
Our examiners run the Indian River 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 Indian River County Clerk and your owner's policy issues.
Sebastian Title & Property Considerations
Old Sebastian and Roseland trace to 1910s plats with vacated streets and fish-house easements, and older homes have unreleased mortgages and estate transfers that skipped probate. Septic-to-sewer conversions in the Highlands leave assessments on some tax bills. Some addresses with Sebastian mail are actually unincorporated Indian River County, Roseland, Micco or Barefoot Bay in Brevard, with different millage.
Deeds record with the Indian River County Clerk in Vero Beach. Recording is statewide, $10 for the first page and $8.50 per additional page, and we e-record on closing day.
Our Sebastian 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 Sebastian
Atlantic Title Firm closes throughout Sebastian, including Sebastian Highlands, the riverfront downtown, Roseland, the Indian River Drive waterfront, the Sebastian Inlet approach, Collier Creek, Fellsmere, Micco and Barefoot Bay:
Buying or Selling in Sebastian? We're Ready.
Local Sebastian expertise, statewide licensing, and a closer who answers the phone.
☎ (561) 396-2692Order TitleSebastian Title Company FAQ
Does Atlantic Title Firm close in Sebastian and the Highlands?
Yes. We provide title insurance, escrow and closings throughout Sebastian, Sebastian Highlands, Roseland, Fellsmere, Micco and the rest of Indian River County, for buyers, sellers, retirees, investors and lenders.
What do title insurance and doc stamps cost on a Sebastian sale?
On a $380,000 Sebastian sale the Florida-specific items are about $2,660 in deed documentary stamps, $1,975 in owner's title insurance and roughly $27 in recording. Our Sebastian closing cost calculator adds lender fees and prorations.
Who pays for title insurance in Indian River County?
The seller customarily pays for the owner's title policy in Indian River County and usually chooses the closing agent. It is negotiable and the contract controls.
Do Sebastian Highlands lots have title problems?
Sometimes. General Development's mail-order lot contracts and old deed restrictions can survive in the chain, and vacant lots attract seller-impersonation fraud. We clear the gaps and verify ownership on every lot file.
Is Barefoot Bay in Sebastian?
It has a Sebastian mailing address but sits in Brevard County as a land-lease community. We confirm the county and the community's transfer process on every file.
A dedicated closer, co-branded marketing, and clear updates on every file — see why Sebastian 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
Sebastian is in Indian River County. See the full county page, or our statewide coverage across all 67 Florida counties.