AquaRK Title Insights
Practical guides for buyers, sellers, agents, and lenders working on 30A and across the Florida Panhandle.
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When the seller of a 30A property is not a U.S. taxpayer, federal law requires up to 15% of the sales price be withheld for the IRS at closing. Here's how FIRPTA actually works on Walton County deals.
Boundary surveys cost $450–$1,200 on most 30A lots and more on Gulf-front parcels. Here's when a survey is required, what it actually reveals, and why waiving it on 30A is risky.
The full refinance closing process on a 30A property — title update, lender's title insurance, the 3-day rescission, and why second homes and vacation rentals fund the next business day.
Defer the federal capital gains tax on a 30A vacation-rental sale by rolling the gain into a like-kind property. Here's how the 1031 deadlines, qualified intermediary, and title work.
An HOA estoppel letter is the binding statement of what the seller owes the association at closing. Here's why it matters on every 30A deal — especially with layered HOAs.
Florida is a title-company state, not an attorney-required state. Here's the difference between a title company and a real estate attorney — and why the attorney-led model wins on 30A.
Lender's title insurance protects the bank. Owner's title insurance protects you. Here's exactly what each policy covers, what it costs in Florida, and why buyers should always get both.
From contract to keys, here's the realistic timeline for cash purchases, financed purchases, and refinances in Florida — plus what causes the most delays on 30A deals.
Florida law is clear: the party paying for the owner's title insurance picks the title company. Don't let an agent, builder, or lender pressure you into one you didn't choose.
