Orange County closing costs

The county-specific transfer tax and deed recording fees for Orange County, Florida - the local details that change your total beyond the statewide rate.

Orange County county closing-cost photography
Source-verified · 2026-Q2FIPS 12095 Official source ↗
Effective transfer tax
0.7%
≈ $2,800 on a $400,000 home
Typical lender + 3rd-party fees
$9,197
median of 11,968 purchase loans · HMDA 2023

Orange County compared with Florida counties

In the verified Florida county records we have, Orange 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
11,968
purchase loans in 2023

Orange County transfer-tax data: official source linked on this page, reviewed 2026-Q2.

Transfer tax in Orange County

Florida has NO county-level transfer tax in Orange County — real-estate transfer tax is the state documentary stamp tax of $0.70 per $100 of consideration (0.007). The additional $0.45/$100 discretionary surtax applies ONLY in Miami-Dade County, NOT Orange County. In Florida the SELLER customarily pays the deed documentary stamp tax; buyer typically pays recording fees and doc stamps/intangible tax on any new mortgage. The City of Orlando (largest city in the county) levies no separate municipal transfer tax. Doc stamps and intangible tax on a new note/mortgage ($0.35/$100 doc stamps + $0.002 intangible tax) are separate from the deed transfer tax.

Recording fees in Orange County

Deed/document recording: $10.00 for the first page, $8.50 for each additional page. Indexing is included for the first four names; $1.00 per additional name beyond four. (Florida statutory recording fees, Fla. Stat. 28.24, applied by the Orange County Comptroller.) Note: Florida's documentary stamp tax on deeds is a separate STATE tax of $0.70 per $100 of consideration (0.007), collected at recording but not a recording fee per se; it is state-level, not a county levy.

Official recorder: Orange County recorder ↗ — the authoritative source for the current recording fee schedule.

What lenders actually charge in Orange County

Across 11,968 home-purchase mortgages originated in Orange County in 2023, the median total loan costs — lender fees plus third-party services such as appraisal and title, excluding prepaids and escrow — were $9,197, of which about $4,429 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 12095, ODC-BY 1.0). Median total loan costs exclude prepaids and escrow.

Estimate your Orange County closing costs

Pre-set to Florida. County-level taxes above may add to this estimate.

$
%
Use my quotes (optional)

Leave blank to keep the estimate; enter 0 for a zero quote. Each quote replaces only its named fee. The rest of the budget still needs confirmation.

Origination, underwriting, processing only. Do not enter the total from your Loan Estimate.

First-year premium, not a monthly payment or title insurance.

Cash before deposits / credits

$89,385

Includes purchase funds; excludes prior deposits, credits and prorations

Estimated cash costs

$9,385

≈ 2.35% of the home price · excludes your down payment

0 of 3 line items settled
Review before using this estimate

Based on dataset June 2026. View rule changes

Line-by-line breakdown

Transfer tax (buyer share) recorded source $0
Deed & mortgage recording fees recorded source $70
Owner's title insurance model estimate $2,300
Lender's title insurance model estimate $1,288
Lender fees (origination, underwriting, processing) $2,350
Appraisal $550
Credit report & flood cert $70
Home inspection $450
Homeowners insurance (first year) $1,800
Property-tax escrow (~2 months) model estimate $507
Dataset update emails

Get notified when this dataset is revised

One email when the rates and rules behind this estimate change — nothing else. Your figures never leave this browser. Privacy policy

Frequently asked questions

What is the transfer tax in Orange County?

Orange County (Florida): the applicable real-estate transfer tax works out to about 0.7%. Florida has NO county-level transfer tax in Orange County — real-estate transfer tax is the state documentary stamp tax of $0.70 per $100 of consideration (0.007). The additional $0.45/$100 discretionary surtax applies ONLY in Miami-Dade County, NOT Orange County. In Florida the SELLER customarily pays the deed documentary stamp tax; buyer typically pays recording fees and doc stamps/intangible tax on any new mortgage. The City of Orlando (largest city in the county) levies no separate municipal transfer tax. Doc stamps and intangible tax on a new note/mortgage ($0.35/$100 doc stamps + $0.002 intangible tax) are separate from the deed transfer tax.

What are recording fees in Orange County?

Deed/document recording: $10.00 for the first page, $8.50 for each additional page. Indexing is included for the first four names; $1.00 per additional name beyond four. (Florida statutory recording fees, Fla. Stat. 28.24, applied by the Orange County Comptroller.) Note: Florida's documentary stamp tax on deeds is a separate STATE tax of $0.70 per $100 of consideration (0.007), collected at recording but not a recording fee per se; it is state-level, not a county levy.

How much are closing costs in Orange County?

Closing costs in Orange 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 Orange County?

In 2023, the median total loan costs — lender fees plus third-party services like appraisal and title, excluding prepaids and escrow — across 11,968 home-purchase mortgages in Orange County were about $9,197, of which roughly $4,429 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.

← Back to Florida closing costs