Estimate your Florida closing costs in seconds.
AquaRK Title Services uses the Florida promulgated rate tables published under FAC 69O-186.003 — the same owner's policy, lender's policy, doc stamp, and intangible tax math every Florida title company is required to charge. Get a transparent estimate, then call us for a line-item quote.
Florida Closing Cost Calculator
Promulgated Florida title rates · informational estimate
- Documentary stamps on deed are customarily paid by the seller in Walton County and across the Florida Panhandle.
- Lender's policy issued simultaneously with the owner's policy at the Florida promulgated $25 flat rate.
This calculator uses the Florida-promulgated title insurance rates and standard documentary stamp / intangible tax formulas. Results are estimates only. Final figures appear on your Closing Disclosure issued by AquaRK Title Services.
Need a precise quote?
The calculator is an estimate. For the exact line-item closing costs on your specific Walton County or Panhandle property, AquaRK delivers a transparent quote in one business day.
How Florida title insurance is priced.
Florida's owner's title insurance premium is tiered by liability amount: $5.75 per $1,000 up to $100,000, $5.00 per $1,000 to $1 million, $2.50 per $1,000 to $5 million, $2.25 per $1,000 to $10 million, and $2.00 per $1,000 above that. When issued simultaneously with the owner's policy, the lender's policy is a flat $25 (Florida promulgated rate). Documentary stamps on the deed are $0.70 per $100 of price; documentary stamps on the note are $0.35 per $100 of loan; intangible tax is $2.00 per $1,000 of loan amount.
- Owner's policy is customarily a seller cost in Walton County and the Florida Panhandle.
- Lender's policy, note doc stamps, and intangible tax are buyer/borrower costs on financed deals.
- Refinance estimates assume a typical reissue credit on the lender's policy.
Want AquaRK to confirm these numbers?
Send the property and loan details — we'll respond with a real quote within one business day.