How much does appraisal cost in Northeast Florida?

Typically $550 to $850. Higher for large or rural parcels

How much does florida doc stamps on the note cost in Northeast Florida?

Typically $1,575 to $1,575. 0.35 percent of loan amount

How much does florida intangible tax on the mortgage cost in Northeast Florida?

Typically $900 to $900. 0.2 percent of loan amount

How much does discount points (optional, per point) cost in Northeast Florida?

Typically $4,500 to $4,500. 1 percent of loan amount per point

What a mortgage costs in St. Johns County (2026)

Job	Typical range
Lender origination and underwriting fees	$995 – $2,500
Appraisal Higher for large or rural parcels	$550 – $850
Florida doc stamps on the note 0.35 percent of loan amount	$1,575 – $1,575
Florida intangible tax on the mortgage 0.2 percent of loan amount	$900 – $900
Lender's title insurance policy	$600 – $1,200
Credit report, flood certification, tax service	$100 – $250
Discount points (optional, per point) 1 percent of loan amount per point	$4,500 – $4,500
Condo questionnaire fee (condos only)	$150 – $400

Job

Typical range

Lender origination and underwriting fees

$995 – $2,500

Appraisal

Higher for large or rural parcels

$550 – $850

Florida doc stamps on the note

0.35 percent of loan amount

$1,575 – $1,575

Florida intangible tax on the mortgage

0.2 percent of loan amount

$900 – $900

Lender's title insurance policy

$600 – $1,200

Credit report, flood certification, tax service

$100 – $250

Discount points (optional, per point)

1 percent of loan amount per point

$4,500 – $4,500

Condo questionnaire fee (condos only)

$150 – $400

What changes the price

Loan amount, since doc stamps, intangible tax, and points scale with it

Credit score and down payment, which set your rate and mortgage insurance

Loan type: conventional, FHA, VA, USDA, or jumbo

Property type, especially condos and coastal homes needing flood coverage

Whether you pay points to buy down the rate

Local tips

Ask for a Loan Estimate, not a worksheet. The Loan Estimate is a regulated form that makes lenders comparable.

If you plan to sell or refinance within five years, paying points rarely pays off.

Shop homeowners insurance yourself. The lender's quote in the estimate is often a placeholder.

Never wire closing funds based on emailed instructions without calling the title company at a number you looked up yourself. Wire fraud targets Florida closings regularly.

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Ranges are estimates from local quotes and public price data; your price will vary. 904biz is not a party to any work. Local mortgage lenders: think a number is off? Tell us.

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