Alachua County closing costs
The county-specific transfer tax and deed recording fees for Alachua County, Florida - the local details that change your total beyond the statewide rate.
- Effective transfer tax
- 0.7%
- ≈ $2,800 on a $400,000 home
- Typical lender + 3rd-party fees
- $6,591
- median of 2,381 purchase loans · HMDA 2023
Alachua County compared with Florida counties
In the verified Florida county records we have, Alachua County's effective transfer-tax rate ranks #1 of 18 by highest rate. At $400,000, the county-specific transfer tax is $2,800, which is the same as the state-level calculation before city surtaxes.
- County rank
- #1 of 18
- within verified Florida county pages
- Tax at $400,000
- $2,800
- state baseline $2,800
- HMDA fee sample
- 2,381
- purchase loans in 2023
Alachua County transfer-tax data: official source linked on this page, reviewed 2026-Q2.
Transfer tax in Alachua County
No county-level transfer/excise tax exists in Florida — transfer tax is levied at the STATE level as documentary stamp tax. FL doc-stamp on deeds = $0.70 per $100 of consideration (0.0070), applied uniformly statewide (the only exception is Miami-Dade County, which has a different split; Alachua uses the standard $0.70/$100). This is captured as a state-level tax, so county_transfer_tax_rate is null. By Florida custom, the SELLER (grantor) typically pays the deed documentary stamp tax, though it is negotiable; the doc-stamp must be paid before the deed can be recorded (FL Stat. 201.01). Note: a separate doc-stamp ($0.35/$100) plus intangible tax ($0.002) apply to new mortgages and are typically paid by the buyer — those are financing costs, not the deed transfer tax. No city within Alachua County (including Gainesville) levies its own municipal transfer tax.
Recording fees in Alachua County
Deed recording (per FL Stat. 28.24(13)): $10.00 for the first page; $8.50 for each additional page. Indexing surcharge of $1.00 per name when a document contains more than 4 names. Example: a standard 2-page deed = $18.50; a 4-page deed = $35.50. Source: Alachua County Clerk of Court (J.K. "Jess" Irby) official recording fees page.
Official recorder: Alachua County recorder ↗ — the authoritative source for the current recording fee schedule.
What lenders actually charge in Alachua County
Across 2,381 home-purchase mortgages originated in Alachua County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $6,591, of which about $2,777 was the lender’s own origination charges. That is reported loan-level data from every lender under the Home Mortgage Disclosure Act — not a national average — so it reflects what buyers in this county actually paid. Lender fees vary widely, so comparing a few rate quotes is the single biggest lever on your closing total.
Source: FFIEC HMDA Data Browser ↗ (2023 purchase originations, FIPS 12001, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.
Estimate your Alachua County closing costs
Pre-set to Florida. County-level taxes above may add to this estimate.
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Frequently asked questions
What is the transfer tax in Alachua County?
Alachua County (Florida): the applicable real-estate transfer tax works out to about 0.7%. No county-level transfer/excise tax exists in Florida — transfer tax is levied at the STATE level as documentary stamp tax. FL doc-stamp on deeds = $0.70 per $100 of consideration (0.0070), applied uniformly statewide (the only exception is Miami-Dade County, which has a different split; Alachua uses the standard $0.70/$100). This is captured as a state-level tax, so county_transfer_tax_rate is null. By Florida custom, the SELLER (grantor) typically pays the deed documentary stamp tax, though it is negotiable; the doc-stamp must be paid before the deed can be recorded (FL Stat. 201.01). Note: a separate doc-stamp ($0.35/$100) plus intangible tax ($0.002) apply to new mortgages and are typically paid by the buyer — those are financing costs, not the deed transfer tax. No city within Alachua County (including Gainesville) levies its own municipal transfer tax.
What are recording fees in Alachua County?
Deed recording (per FL Stat. 28.24(13)): $10.00 for the first page; $8.50 for each additional page. Indexing surcharge of $1.00 per name when a document contains more than 4 names. Example: a standard 2-page deed = $18.50; a 4-page deed = $35.50. Source: Alachua County Clerk of Court (J.K. "Jess" Irby) official recording fees page.
How much are closing costs in Alachua County?
Closing costs in Alachua County follow Florida's structure plus this county's specific transfer-tax and recording fees. Use the calculator below for an estimate; for the exact recording schedule, the county recorder is the authoritative source.
What do lenders charge in fees in Alachua County?
In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 2,381 home-purchase mortgages in Alachua County were about $6,591, of which roughly $2,777 was the lender's own origination charges. This is reported loan-level data under the Home Mortgage Disclosure Act; actual fees vary by lender, so comparing quotes matters.
Closest Florida county comparisons
Sibling links are ordered by nearby verified effective transfer-tax rate, so each county page connects to genuinely comparable counties.