Run the numbers before you move.

Where the Florida numbers come from

Checked October 2026 against official sources. Rates and rules change; confirm before you rely on them.

1. Deed doc stamps: 70¢ per $100 (0.70%) of the price, in every Florida county except Miami-Dade; any fraction of $100 counts as a full $100. Florida Department of Revenue, Documentary Stamp Tax (s. 201.02, F.S.).
2. Doc stamps on the note/mortgage: 35¢ per $100 (0.35%) of the amount secured; no cap on recorded mortgages. Same FL DOR page (s. 201.08, F.S.).
3. Nonrecurring intangible tax: 2 mills (0.2%) of the loan secured by Florida real estate. FL DOR, Nonrecurring Intangible Tax (ch. 199, F.S.).
4. Title insurance premiums are set by the state: $5.75 per $1,000 up to $100,000, then $5.00 per $1,000 to $1 million, $2.50 per $1,000 to $5 million ($100 minimum); a lender’s policy issued with the owner’s policy is $25 up to the owner’s amount. Rule 69O-186.003, F.A.C. Who pays is set by the contract; in Manatee and Sarasota the seller customarily pays the owner’s policy. Title service fees vary by company.
5. Property tax rates (2025 millage): Manatee unincorporated 13.3100 mills, East Manatee Fire Rescue district (Lakewood Ranch area) 14.1600, school 6.3040 (Manatee County Property Appraiser); Sarasota County 11.4737 mills for most of the county, school 6.0950 (Sarasota County Tax Collector). City, fire, CDD, and other non-ad valorem charges vary by parcel. Check the exact parcel before you buy.
6. Homestead exemption (2026): $25,000 for all taxes plus up to $26,411 for non-school taxes (FL DOR, Additional Homestead Exemption Adjustment). Own and live there on January 1; apply by March 1 (Manatee County Property Appraiser, Sarasota County Property Appraiser).
7. Save Our Homes cap: 2.7% for 2026, the lesser of 3% or CPI (FL DOR, Save Our Homes).
8. Amendment 3 (2026 ballot) is a proposal, not law (Manatee County Property Appraiser summary).
9. PMI: for most conventional loans you can ask to cancel at 80% of the original value, and it ends automatically at 78% on schedule (CFPB). Rate, insurance, PMI, and fee defaults are examples only; replace them with your quotes.

Estimates only. Not a loan offer. These calculators are for education and planning. They are not a loan offer, commitment to lend, rate quote, appraisal, or tax, legal, or financial advice. Actual payments, taxes, insurance, and closing costs depend on the property, the lender, your credit, and the contract. Luis Odon is a Realtor® with Keller Williams Coastal Living II, not a lender. Verify figures with your lender, title company, tax professional, and the county property appraiser.