What are the opening hours?

Monday 9am - 5pm Tuesday 9am - 5pm Wednesday 9am - 5pm Thursday 9am - 5pm Friday 9am - 5pm

FL Title & Escrow Co

Home
United States
Hallandale Beach, FL
FL Title & Escrow Co

Call Directions Website

FL TITLE & ESCROW CO dedicated, professional and friendly team is here to make the realtor’s job a And, if necessary, we can bring the closing to you!

The closing is the last stop in the most expensive transaction in most people's lives: buying a home. Our office especially designed to make your closing a convenient, comfortable, stress-free experience. Obviously, a lot of thought and effort have gone into making your closing one that is convenient, comfortable, smooth and seamless. We invite you to give us a call. You will be pleased with our service. Service
FL Title & Escrow Co perform our own title searches on a timely basis, according to the strictest standards. Our size and agility allow us - when necessary- to turn your project much more quickly than larger companies whose very size slows down their processing. FL Title & Escrow Co offers you services that are second to none: title insurance, escrow, title search and abstract, 1031 exchange, mobile closing, ownership and encumbrance, document preparation such as affidavits, subordinations, satisfactions, deeds, etc., obtaining hazard and mortgage changes, information regarding real estate taxes and homestead exemption, and outsourcing attorneys for legal resolutions. Trust
FL Title & Escrow Co strictly follows the law as stated in the Florida Administrative
Code Chapter 4-186 and Chapter 626, Part V of the Florida Statues. Our clients know us to be honest and faithful representatives of legal real estate transactions. Quite simply, nothing else is acceptable from any employee at any time. Accuracy
With FL Title & Escrow Co on your side, you get the full benefit of years of expert knowledge and experience as well as timely, accurate, thorough and dependable title searches. We work hard on your behalf to make sure no detail of even the most complex transaction is overlooked. Reputation
FL Title & Escrow Co enjoys an excellent reputation with the lending and real estate community. In fact, many of our referring customers are builder, mortgage and real estate companies!

10/29/2026

October in five numbers. If you are buying or selling a home in Florida, these are the figures from this month's posts that come up at almost every closing. 🏠

🔹 70¢. Documentary stamp tax on the deed, per $100 of the price. In Miami-Dade the rate is 60¢, plus a 45¢ surtax unless the deed transfers only a single-family residence (Fla. Stat. 201.02, 201.031)
🔹 35¢. Doc stamps on the note, per $100 of the loan, plus a 0.2% intangible tax on the new mortgage (Fla. Stat. 201.08, 199.133)
🔹 10 business days. How long a condo or HOA association has to issue an estoppel certificate after a written or electronic request (Fla. Stat. 718.116, 720.30851)
🔹 15%. FIRPTA withholding on the amount realized when the seller is a foreign person, unless an exception or reduced rate applies (IRS)
🔹 4%. The discount for paying your property tax bill in November. Bills are due starting November 1 (Fla. Stat. 197.162, 197.333)

A quick example: on a $500,000 sale outside Miami-Dade, the deed stamps come to $3,500. A $400,000 loan adds $1,400 in note stamps and $800 in intangible tax.

Want to see your own numbers? Try the calculator at calculator.fltitle.co. Estimate only, not a Closing Disclosure.

Sources: Fla. Stat. 201.02, 201.031, 201.08, 199.133, 718.116, 720.30851, 197.162, 197.333; IRS, FIRPTA withholding. General information, not tax or legal advice.

FL Title & Escrow Co • fltitle.co • (888) 784-1723

10/29/2026

Buying a Florida home with a loan? Line up the homeowners insurance binder well before closing week. 🏠

Why the binder matters:
🔹 Your lender generally requires the home to be insured and asks for proof of the policy before closing (CFPB)
🔹 A binder is the insurer's written confirmation that coverage is in place until the full policy is issued. It is the proof most lenders look for in the file

Why timing matters in hurricane season:
🔹 The Atlantic hurricane season runs through November 30 (NOAA)
🔹 When the National Weather Service issues a tropical storm or hurricane watch or warning for any part of Florida, Citizens Property Insurance agents may not bind new coverage or increase coverage, whatever the effective date. Requests submitted before the suspension may still be processed
🔹 Other insurers set their own rules. Florida law lets an insurer pause new residential policies for a hurricane that may make landfall without the usual advance notice to the state, if the pause ends within 72 hours after hurricane conditions are gone (Fla. Stat. 624.4301)
🔹 A late change can get caught too. If the lender asks for a higher limit in closing week, that is an increase in coverage

What we suggest:
✅ Get quotes right after the contract is signed and share them with your loan officer
✅ Bind early, and have the binder sent to your lender and your closing agent
✅ Settle limits and deductibles before closing week

Questions before your closing? Call (888) 784-1723.

Sources: CFPB, Your Home Loan Toolkit; Citizens Property Insurance Corp., binding suspension rule; Fla. Stat. 624.4301; NOAA National Hurricane Center. General information, not legal or insurance advice.

FL Title & Escrow Co • fltitle.co • (888) 784-1723

10/27/2026

Buying or selling a condo in Florida? Two lines in the condo documents can hold up a closing: board approval of the buyer, and a right of first refusal. 🏢

Where they come from:
🔹 A condo declaration can include restrictions on the transfer of units (Fla. Stat. 718.104(5)). Some associations use that to require board approval of a sale, and some give the association or the owners a right of first refusal
🔹 Not every building has either one. The declaration, bylaws and rules decide

How it shows up in the file:
🔹 The estoppel certificate has to say whether the board must approve the transfer and, if so, whether it has approved it (Fla. Stat. 718.116(8))
🔹 It also has to say whether there is a right of first refusal and whether it has been exercised
🔹 The association must issue the estoppel within 10 business days after a written or electronic request

About fees: an association can charge for the approval only if it is required to approve the transfer and its declaration, articles or bylaws provide for the fee. The fee is capped per applicant, and spouses, or a parent and dependent children, count as one applicant (Fla. Stat. 718.112(2)(k)).

One tip: get the buyer's application to the association right after the contract is signed, and read the approval section of the documents before you pick a closing date. Each association sets its own process and timeline.

Questions on a condo file? Call (888) 784-1723.

Sources: Fla. Stat. 718.104(5), 718.112(2)(k), 718.116(8). General information, not legal advice.

FL Title & Escrow Co • fltitle.co • (888) 784-1723

10/26/2026

Buying in an LLC? Title has to confirm two things before closing: that the company exists, and who can sign for it. 🏢

What we'll ask the LLC for:
🔹 Current status on Sunbiz showing "Active." An LLC that misses its annual report can be administratively dissolved (Fla. Stat. 605.0714)
🔹 The filed Articles of Organization
🔹 The operating agreement, or the parts that show who can bind the company and sign for real estate
🔹 A resolution or LLC affidavit if the signer isn't clearly authorized in the operating agreement
🔹 A valid photo ID for each person signing
🔹 Formed outside Florida? A certificate of good standing from the home state

Florida also lets an LLC file a statement of authority naming who can sign deeds and other real estate documents for the company (Fla. Stat. 605.0302).

One tip: put the LLC on the contract the way you want it on the deed, with the exact name as it appears on Sunbiz. Changing the buyer late can delay the file.

Questions before you sign? Call (888) 784-1723.

Sources: Fla. Stat. 605.0302, 605.0714. General information, not legal or tax advice.

FL Title & Escrow Co • fltitle.co • (888) 784-1723

10/25/2026

Closing day: what to bring to the table. 🔑

Most smooth closings come down to a few things handled ahead of time.

Buyers:
🔹 A valid government-issued photo ID for every signer. The notary has to identify each person who signs
🔹 Funds to close, wired before closing. Confirm wire instructions by calling us at a number you already know, never from an email
🔹 Your Closing Disclosure and any questions about it. On most mortgage loans the lender must get it to you at least 3 business days before closing
🔹 Homeowner's insurance in place, with the binder already sent to your lender

Sellers:
🔹 A valid photo ID for every signer
🔹 All keys, garage remotes, gate fobs and mailbox keys
🔹 Mortgage and HOA account details, so payoffs and estoppel are ordered early
🔹 A forwarding address
🔹 Selling a homestead? A spouse may need to sign even if not on the title. Tell us early

Signing with a power of attorney, or can't be there in person? Let us know well before closing day so we can review it.

Questions about your closing? Call (888) 784-1723.

Sources: Fla. Stat. 117.05(5); 12 CFR 1026.19(f)(1)(ii); Fla. Const. art. X, s. 4(c). General information.

FL Title & Escrow Co • fltitle.co • (888) 784-1723

10/24/2026

Agents: send your client a closing cost estimate with your name on it. 📄

When a buyer or seller asks what closing will cost, a PDF they can save and reread beats a number texted from memory. Florida Closing Cost Pro does it in a few steps:

🔹 Add your name, brokerage, phone, email and license ID on the Profile screen (headshot or logo optional)
🔹 Run the scenario: buyer cash to close, seller net or refinance
🔹 Tap Download PDF, or Share with client in the app

The report says "Prepared by" with your name. Doc stamps, intangible tax and the promulgated title premium are already built in, and it follows each county's custom for who pays the owner's title policy.

Your profile and photo stay on your device.

Free at calculator.fltitle.co, or get the app on iOS and Android.

Estimate only, not a Closing Disclosure. Final numbers come from the settlement statement.

FL Title & Escrow Co • fltitle.co • (888) 784-1723

10/23/2026

Closed on a Florida home this year? Put March 1 on your calendar. 🏡

Homestead is not automatic. To get it on next year's tax roll, you file with your county property appraiser by March 1 (Fla. Stat. 196.011).

Who qualifies (s. 196.031):
🔹 You hold title on January 1
🔹 On January 1 the home is your permanent residence, or that of your dependents
🔹 Your deed is recorded in the county's official records

What it's worth:
✅ Up to $25,000 off assessed value for all property taxes
✅ An additional exemption of up to $25,000 on assessed value over $50,000, for non-school taxes. That second amount is now adjusted for inflation each year
✅ Once you have homestead, yearly increases in assessed value are capped at 3% or CPI, whichever is lower (s. 193.155)

Good to know:
🔸 The seller's homestead and cap don't transfer to you. After a sale the home is reassessed at just value as of the next January 1, so your first full bill can be higher than the seller's
🔸 Selling one Florida homestead and buying another? Portability can move up to $500,000 of the saved value to the new home if you establish it within 3 years (s. 193.155(8))
🔸 Missed March 1? A late application is possible only in limited cases, within 25 days after the TRIM notice is mailed (s. 196.011(9))
🔸 No homestead if you receive a residency-based exemption in another state (s. 196.031(6))

Questions about your deed or your closing? Call (888) 784-1723.

Sources: Fla. Stat. 196.011, 196.031, 193.155. General information, not tax or legal advice.

FL Title & Escrow Co • fltitle.co • (888) 784-1723

10/22/2026

Closing before the tax bill comes out? Here is how Florida property tax proration works. 🧾

Florida property taxes cover the calendar year and are paid in arrears. Bills are due starting November 1 and become delinquent April 1 of the next year.

So in a fall closing, the seller has owned the home for most of the year, but the buyer will pay the whole bill. The fix is a credit at closing:

1️⃣ The seller credits the buyer for the seller's share of the year
2️⃣ The buyer pays the full bill when it comes

What the credit is based on, under the standard FR/BAR contract:
🔹 This year's tax, if it is known
🔹 Millage not set yet: this year's assessment times last year's millage
🔹 No assessment yet either: last year's tax
🔹 A proration based on an estimate can be redone when the real bill arrives, if either party asks

Example, for illustration only: a $7,300 annual tax is $20 a day. If the seller owned 294 days of the year, the buyer gets a credit of about $5,880.

Good to know:
✅ Paying in November earns a 4% discount, then 3%, 2% and 1% through February
✅ The proration uses the seller's taxes. After a sale the property can be reassessed, so the buyer's own bill may be higher

Estimate closing costs in seconds at calculator.fltitle.co

Sources: Fla. Stat. 197.333 and 197.162; FR/BAR contract proration standard. General information, not tax or legal advice.

FL Title & Escrow Co • fltitle.co • (888) 784-1723

10/21/2026

Selling a Florida property as a foreign seller? FIRPTA has a timeline, and it starts at the contract. 🗓️

By default the buyer withholds 15% of the sale price at closing and pays it to the IRS within 20 days. A withholding certificate (IRS Form 8288-B) can lower the amount, if the IRS approves it.

How the timeline works:

1️⃣ Contract signed
No U.S. tax ID? The seller can apply for an ITIN only after there is a binding contract, filed together with the 8288-B.

2️⃣ Before or on closing day
The 8288-B goes to the IRS, and the seller tells the buyer in writing that it was filed.

3️⃣ At closing
The full 15% is still withheld. While the application is pending, it does not have to be sent to the IRS yet.

4️⃣ IRS review
The IRS generally acts within 90 days after it has a complete application.

5️⃣ After the decision
Within 20 days after the IRS mails its answer, the approved amount is paid to the IRS and the rest is released to the seller.

Tip: if a certificate makes sense, start the paperwork when the contract is signed.

Questions about a FIRPTA closing? Call (888) 784-1723.

Source: irs.gov FIRPTA pages. General information, not tax or legal advice.

FL Title & Escrow Co • fltitle.co • (888) 784-1723

10/20/2026

Buying or selling a home in a Florida HOA? The estoppel certificate is the number the closing runs on. 🏡

It is the association's written statement of what is owed on the property. Here is how it works under Fla. Stat. s. 720.30851 (HOAs, not condos):

1️⃣ Timing
The HOA must issue it within 10 business days after a written or electronic request from the owner, the lender or their designee (usually the title company).

2️⃣ Shelf life
Delivered by hand or email, it is good for 30 days. Sent by regular mail, 35 days. If the closing slips past that, a new one may be needed.

3️⃣ It binds the HOA
If someone relies on it in good faith, the association waives the right to collect more than the amounts it listed.

4️⃣ Fee caps
The statute caps the fee and DBPR adjusts the caps for inflation. Current published caps: up to $299, plus $119 for delivery within 3 business days, plus up to $179 if the account is delinquent. If the HOA misses the 10 business day deadline, it cannot charge for that certificate.

What's on it: the regular assessment and the paid-through date, an itemized list of amounts owed, any transfer or capital contribution fee, open violations, and whether board approval or a right of first refusal applies.

Tip: order the estoppel as soon as the contract is signed, and check that the closing date falls inside its 30-day window.

Estimate your closing costs in seconds: calculator.fltitle.co (Florida Closing Cost Pro).

General information, not legal advice.

FL Title & Escrow Co • fltitle.co • (888) 784-1723

Address

1801 S Ocean Drive, Suite H
Hallandale Beach, FL
33009

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 5pm

Telephone

(305) 934-6911

Website

http://fltitle.co/

Alerts

Be the first to know and let us send you an email when FL Title & Escrow Co posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.