Jacksonville Beach is its own city inside Duval County, with its own utilities, permits and code enforcement. That makes a Jacksonville Beach home closing a little different from a closing in the City of Jacksonville, and it is why we pay close attention to municipal liens and utility balances.
What Should I Know About a Jacksonville Beach Home Closing? Quick Answer
Deeds and mortgages are recorded with the Duval County Clerk, but permits, code enforcement and utilities are handled by the City of Jacksonville Beach, including Beaches Energy Services for electric. A municipal lien search checks for open permits, code violations and unpaid utility balances that a standard title search can miss. Buyers should also check the flood zone and get insurance quotes early, since many homes are near the ocean or Intracoastal.
Why a Municipal Lien Search Matters in Jacksonville Beach
Open or expired permits, unpaid code enforcement fines and utility balances can attach to a property or delay a sale. We order a municipal lien search covering the City of Jacksonville Beach so these items are found and resolved before closing, not after you get the keys.
Flood Zones, Insurance and Older Beach Homes
Many Jacksonville Beach homes near the ocean and the Intracoastal sit in or near FEMA flood zones. Sellers must give the Florida flood disclosure, and buyers should get flood and homeowners insurance quotes, plus a four-point and wind mitigation report on older homes, during the inspection period. See our Jacksonville flood zone guide.
Jacksonville Beach Home Closing Steps
- Send the signed contract and escrow deposit to the title company.
- Title search with the Duval County Official Records and municipal lien search with the city.
- HOA or condo estoppel, if the property is in an association.
- Inspections, insurance, appraisal and survey.
- Closing Disclosure, signing and electronic recording with the Duval County Clerk.
Bookmark these Jacksonville Beach home closing steps.
Closing Costs in Jacksonville Beach
Florida documentary stamp tax on the deed is $0.70 per $100 of the price, and who pays each cost depends on the contract. Estimate your numbers with our Florida title insurance calculator and seller closing costs guide.
Buying a Condo at the Beach?
Condos add association documents and building safety rules to the checklist. Read our Jacksonville Beach condo closing checklist.
Closing in Jacksonville Beach?
Title Company of Florida handles title searches, title insurance and closings in Jacksonville Beach, Neptune Beach, Atlantic Beach and all of Duval County. Close at our office at 9428 Baymeadows Rd, Suite 140, with a mobile notary, or by remote online notarization.
Learn more about our Jacksonville Beach title company services.
General information only, not legal or tax advice. County procedures, fees and statutes can change; confirm with the office named or your attorney. Title Company of Florida is a Florida licensed title agency (License #G324751).
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Our Family of Companies
- Homes for sale in St. Augustine and Nocatee with Tanya Cosmini, Broker/Owner
- Realty ONE Group Elevate, a full-service real estate brokerage with offices in Jacksonville and St. Augustine
- Rental Property Partners, property management in Jacksonville, St. Augustine, and Ponte Vedra
Affiliated business disclosure: Realty ONE Group Elevate is owned by Tanya Cosmini. Title Company of Florida is owned by her husband, Sam Gorniak, and Rental Property Partners is owned within the same family. Because of these family relationships, the owners may benefit when you use more than one of these companies. You are not required to use any of them and are free to choose other providers.