Florida county guide
Union County real estate: closing costs, taxes and market data
What it costs to buy and sell a home in Union County, Florida, with the state's own formulas and the latest market figures.
Market snapshot
Union County is the smallest Florida county by land area. It is a rural county in north-central Florida with a population of 16,147 as of the 2020 census, and Lake Butler is the county seat. The housing market is small, so only a limited number of homes are listed and sold at any given time.
Main cities: Lake Butler, Raiford, Worthington Springs
Closing costs at common prices
| Sale price | Deed doc stamps | Owner's title policy | Note doc stamps + intangible tax (80% loan) |
|---|---|---|---|
| $250,000 | $1,750 | $1,325 | $1,100 |
| $350,000 | $2,450 | $1,825 | $1,540 |
| $500,000 | $3,500 | $2,575 | $2,200 |
| $750,000 | $5,250 | $3,825 | $3,300 |
Deed doc stamps are $0.70 per $100 of the price and are normally paid by the seller. In Union County the seller customarily pays the owner's title policy, at Florida's promulgated rate. Buyers with a loan also pay $0.35 per $100 on the note and 0.2% intangible tax. Property tax uses the county's typical millage less the $50,000 homestead exemption, so it's an estimate; check the property appraiser for any parcel.
Flood risk
Before buying, check the property's FEMA flood zone on the FEMA Flood Map Service Center and get a flood insurance quote, especially for parcels near the New River, the Santa Fe River or low-lying wetlands.
Local offices
Questions agents and buyers ask
- How much are doc stamps in Union County?
- On a $350,000 sale, deed doc stamps are about $2,450 ($0.70 per $100 of the price). The seller normally pays them.
- Who pays for title insurance in Union County?
- By custom the seller pays for the owner's title policy. At $350,000 it's about $1,825 at Florida's promulgated rate; the contract can say otherwise.
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Sources
- Union County, Florida - Wikipedia (2020 census population, county seat)
- Union County Property Appraiser - Bruce D. Dukes
Market figures researched November 3, 2026.