Statutory Cost Analysis

Florida Closing Cost & Doc Stamp Calculator

Calculate exact deed doc stamps, promissory note taxes, intangible mortgage taxes, and title insurance rates across the beaches, Intracoastal, and St. Johns River.

Purchase / Sale Price$650,000

Down Payment (%)20% ($130,000)

Mortgage Amount: $520,000

Coastal County Location

In Duval County, the seller traditionally pays for owner title insurance.

Brokerage Representation Fee (%)5.0%

*Broker fees are 100% negotiable between client and broker.

Estimated Seller Closing Costs

$41,515

Includes deed doc stamps, title insurance, settlement, and negotiated brokerage fees.

The Saltwater Realtor Client Tools Navigate coastal and waterfront property finances with clarity.

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Florida Closing Costs & Documentary Stamp Taxes Explained

Deed Documentary Stamp Tax (Fla. Stat. § 201.02)

Across Northeast Florida's coastal counties, Florida charges $0.70 per $100 of the purchase price for recording the deed. On a $650,000 coastal home, this equals $4,550.

Financing Taxes (Promissory Note Stamps & Intangible Tax)

Financed home purchases pay $0.35 per $100 on the promissory note (Fla. Stat. § 201.08) plus 2 mills ($0.002 per dollar) as an intangible tax on the mortgage balance (Fla. Stat. § 199.133). Cash purchasers avoid both taxes completely.

Florida Promulgated Title Insurance (FAC 69O-186.003)

Title insurance rates in Florida are set by state statute: $5.75 per $1,000 up to $100k, then $5.00 per $1,000 up to $1M. In Duval and Nassau, sellers traditionally pay; in St. Johns, buyers typically pay.