Statutory Cost Analysis

Florida Closing Cost & Doc Stamp Calculator

Calculate exact deed documentary stamp taxes, intangible taxes, promulgated title insurance rates, and county recording fees in Putnam, St. Johns, Clay, and Flagler counties.

Purchase / Sale Price$325,000

Down Payment (%)20% ($65,000)

Mortgage Amount: $260,000

County Location

In Putnam 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

$20,865

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

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Florida Closing Costs & Documentary Stamp Taxes Explained

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

In Putnam, St. Johns, Clay, and Flagler counties, Florida collects $0.70 per $100 of the purchase price for recording the deed. On a $300,000 property, this totals exactly $2,100.

Financing Taxes (Promissory Note Stamps & Intangible Tax)

If you finance your home purchase, Florida assesses $0.35 per $100 on the promissory note (Fla. Stat. § 201.08) and 2 mills ($0.002 per dollar) as an intangible tax on the mortgage (Fla. Stat. § 199.133). Cash transactions pay neither tax.

Florida Promulgated Title Insurance (FAC 69O-186.003)

Title insurance rates are strictly promulgated by state rule: $5.75 per $1,000 up to $100k, then $5.00 per $1,000 up to $1M. In Putnam and Clay, the seller typically pays for the owner's policy; in St. Johns, the buyer traditionally pays.