Atlantic Title Firm provides title insurance, escrow, and closing services throughout Stuart and the rest of Martin County. Buyers, sellers, FSBOs, investors, and lenders all rely on us for accurate, on-time closings — backed by local Stuart know-how and statewide reach. Stuart — the “Sailfish Capital of the World” and the seat of Martin County — is defined by water: the St. Lucie and Indian Rivers, the inlet, and a historic downtown along the waterfront. Waterfront permits, flood zones, and older downtown chains of title shape our Stuart closings.
On a typical $450,000 Stuart sale, the Florida-specific closing costs run about $5,502 (deed doc stamps + owner’s title + recording). In Martin County, the seller customarily pays the owner’s title policy and usually chooses the closing agent.
Title & Closing Costs in Stuart
The biggest Florida-specific costs at a Stuart closing are the documentary stamp tax on the deed and owner's title insurance. Stuart uses Florida's standard deed doc-stamp rate of $0.70 per $100 of the sale price, and owner's title insurance is charged at state-promulgated rates — the same base rate at every title company in Florida. Here is roughly how the Florida-specific line items look on a $450,000 Stuart sale:
Example: $450,000 sale in Stuart
These are illustrative — your actual costs depend on price, financing, prorations, and who pays what under the contract. Run your own numbers below:
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Who Pays for Title Insurance in Stuart?
In Martin 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 Stuart 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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Property Taxes & Homestead in Stuart
In Stuart, taxes are set by the Martin County Property Appraiser at an approximate combined millage near 14.8 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 Stuart property taxesFree property-tax estimator with Martin millage & homestead→Recording Your Deed in Stuart
Deeds and mortgages for Stuart properties are recorded with the Martin County Clerk of the Circuit Court. Florida recording fees are statutory statewide — $10 for the first page and $8.50 for each additional page. As your closing agent, Atlantic Title Firm prepares the documents, collects and remits the doc stamps, and records everything with the Clerk so your Stuart closing is complete and your title is protected.
How Your Stuart Closing Works
Open Title
Your agent, lender, or you send us the contract. We open the file and order the Stuart 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 Martin County Clerk and issue your owner's title policy.
Stuart Title & Property Considerations
Stuart's abundant waterfront property makes seawall, dock, and boatlift permits, riparian rights, and flood-zone review central to many closings. Historic downtown and older riverfront homes can have longer chains of title and past renovations, so we watch for open permits and unrecorded liens. Martin County's lower millage (about 14.8) is a notable local advantage.
Our Stuart title search and examination are built to catch issues like these before you close — so you take title clean and your ownership is protected from day one.
Neighborhoods & Areas We Serve in Stuart
Atlantic Title Firm closes throughout Stuart, including Sewall's Point, Rocky Point, Historic Downtown Stuart, North River Shores, Snug Harbor and more:
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Fast, accurate title & closing services — local to Stuart, licensed across all 67 Florida counties.
☎ (561) 396-2692Order TitleStuart Title Company FAQ
Does Atlantic Title Firm handle closings in Stuart?
Yes. Atlantic Title Firm provides title insurance, escrow, and closing services throughout Stuart, Martin County — for buyers, sellers, FSBOs, investors, and lenders.
Do you handle waterfront closings in Stuart and Sewall's Point?
Yes. Stuart-area waterfront closings frequently involve docks, seawalls, and boatlifts on the St. Lucie and Indian Rivers — we verify marine-construction permits and any submerged-land lease so your purchase is protected.
How much are closing costs in Stuart, FL?
On a $450,000 Stuart sale, the biggest Florida-specific costs are about $3,150 in deed documentary stamp tax and $2,325 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 Stuart?
In Martin 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
Stuart is in Martin County. See the full county page, or our statewide coverage across all 67 Florida counties.