ClearwaterTitle Company & Closing Services

Clearwater Beach consistently ranks among the top U.S. beaches, driving strong demand for beachside title services.

Quick Answer

The promulgated owner's title insurance premium at Clearwater's median price of $385,000 is $2,000. In Pinellas County, the sellercustomarily pays for the owner's title policy. Florida title insurance rates are set by the state, so the premium is the same at every title company.

Clearwater Closing Costs at a Glance

Item	Amount	Paid By
Owner's Title Premium	$2,000	Seller
Deed Documentary Stamps	$2,695	Seller
Deed Stamp Rate	$0.70 per $100 of sale price	Seller
Simultaneous Lender's Policy	$25 flat	Buyer
Note Doc Stamps (on loan)	$0.35 per $100	Buyer
Intangible Tax (on loan)	0.2% of loan amount	Buyer

Amounts shown are based on Clearwater's approximate median home price of $385,000. Actual costs depend on your specific transaction. Calculate your exact closing costs.

Calculate Your Closing Costs

Every transaction is different. Use our free tools to get a personalized estimate for your Clearwater closing:

Closing Cost Calculator Doc Stamp Calculator

Pinellas County Closing Cost Note

Pinellas County uses Florida's standard deed documentary stamp rate of $0.70 per $100 of the sale price. The sellercustomarily pays the owner's title insurance premium, though this can be negotiated. Florida law requires promulgated rates for title insurance, meaning the premium is identical at every licensed title company in the state.

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Clearwater Title Insurance FAQ

Frequently Asked Questions

At Clearwater's approximate median home price of $385,000, the owner's title insurance premium is $2,000. Florida title premiums are promulgated (set by the state), so the rate is the same at every title company. The seller customarily pays this cost in Pinellas County.

In Clearwater (Pinellas County), the seller customarily pays for the owner's title insurance policy. This is a local custom and can be negotiated in the purchase contract. Coastal Collective Title can walk you through the process regardless of how costs are split.

Typical buyer closing costs in Clearwater include the lender's title premium ($25 when issued simultaneously), deed recording fees, note documentary stamps ($0.35 per $100 of loan), intangible tax (0.2% of loan amount), and the settlement fee. Use our free closing cost calculator for an estimate based on your specific purchase price.

More Pinellas County Title Services

Pinellas County Title Services

Overview of all Pinellas County closing services.

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Pasco County Title Services

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Polk County Title Services

Seller pays title in Polk County.