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.
- 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.
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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.