Having a clean title for your car in Florida is crucial. It proves you own the vehicle and is essential when buying, selling, gifting, inheriting, or paying off a car loan. A smooth title transfer in Florida protects everyone involved and ensures accurate ownership records are maintained by the state.

In a Nutshell

Transferring a car title in Florida involves gathering key documents like the original title, bill of sale, ID, and insurance. Check for any liens and ensure all paperwork is accurate for a smooth process, especially for out-of-state or inherited motor vehicles.

Getting Ready for a Smooth Florida Title Transfer

Before heading to your local FLHSMV office, gather all the necessary documents to avoid delays and ensure a smooth transfer process:

  1. Original Vehicle Title: This document displays the current owner’s name and is proof of ownership for the vehicle.
  2. Bill of Sale: A signed agreement outlining the details of the vehicle sale, including the selling price, vehicle condition, and odometer reading.
  3. Odometer Disclosure Statement: This form verifies the motor vehicles mileage reading at the time of the sale, required by federal law.
  4. Proof of Identity: Valid driver’s license or IDs for both the buyer and seller. U.S Passports and Canadian driver licenses are also accepted.
  5. Proof of Insurance: The buyer needs to show documentation of valid Florida car insurance coverage for the vehicle.

Ensuring a Clear Title for Transfer

  • Verify No Liens: Check the title for any outstanding loans or liens on the motor vehicle. These must be satisfied before transferring ownership. 
  • Confirm Seller Ownership: Verify that the title matches the vehicle identification number (VIN) on the car itself.

Steps for Transferring a Car Title in Florida

The transfer process involves separate responsibilities for the seller and buyer. Here’s a breakdown of the steps on how to transfer a car title in Florida for each party:

Seller’s Responsibilities:Buyer’s Responsibilities:
Complete the Title Assignment: On the back of the title, locate the section for transferring ownership. Fill in the buyer’s information accurately, including their name and address. Sign and date the section to complete the assignment.Verify Title Assignment: Double-check that the seller has correctly signed the title transfer section. Ensure all information, including the buyer’s name and address, is accurate.
Provide the Completed Title to the Buyer: Hand over the signed title to the buyer after completing the assignment section.Provide Proof of Insurance: Show documentation of valid Florida insurance coverage for the vehicle.
Fill Out a Bill of Sale: This document serves as a legal record of the sale. Complete and sign a bill of sale detailing the vehicle information (year, make, model, VIN), purchase price, and odometer reading. Both the buyer and seller should sign the bill of sale.Complete the Application: Fill out the Application for Certificate of Title With/Without Registration. This application can also be obtained from any FLHSMV location.
Submit a Notice of Sale (Optional): While not mandatory, submitting a Notice of Sale form to FLHSMV protects you from potential liability after the sale. This informs FLHSMV that you are no longer the legal owner of the vehicle.Submit Documents and Pay Fees: Visit your local FLHSMV office and submit the completed application, title with assigned ownership, bill of sale, proof of identity for both parties.

Understanding Car Title Transfers in Florida

A car title transfer means the legal ownership of a vehicle is changing. Here are some common reasons why you might need to transfer a title in Florida:

  • Buying or Selling a Motor Vehicle: This is the most common reason for transferring a title. Both the buyer and seller must follow specific steps to ensure a smooth transfer.
  • Gifting a Motor Vehicle: When you give a car as a gift, transferring the title makes sure that ownership is legally transferred and avoids any confusion.
  • Inheritance: If you inherit a car, you need to transfer the title into your name following Florida court rules after probate.
  • Paying Off a Loan: After fully paying off your car loan, the lender will give you the title. You need to transfer the title to show you own the car in the FLHSMV system.

Additional Considerations for a Smooth Transfer

Out-of-State Vehicles:

  • VIN Inspection: FLHSMV might require a Vehicle Identification Number (VIN) inspection to verify the motor vehicle’s identity before processing the title transfer.
  • Additional Documents: Depending on the origin state, you might need additional documentation for the title transfer. Consult FLHSMV for specific requirements.

Tip: Vin inspections can be conducted by a law enforcement officer, Florida motor vehicle dealer, authorized DMV personnel, notary public, or military police officer. Additional taxes may apply check The Tax Information Publication for more information. 

Handling Lost or Damaged Titles:

If you find yourself unable to find your title certificate do not worry. You can apply for a duplicate title with the FLHSMV if the original is lost or damaged.

Fees and Taxes

  • Title Transfer Fee: FLHSMV charges a standard fee for processing the title transfer.
  • Sales Tax: You’ll likely need to pay sales tax on the purchase price of the motor vehicle.
  • Other Fees: Registration fees or other charges might apply depending on your situation.

Tip: Florida state sales tax on vehicles is typically 6% although sales tax varies by county, visit your county’s tax collector’s office website to learn more.

Tips and Best Practices

  • Double-Check Documents: Ensure all documentation, including the title, bill of sale, application, and proof of ownership, is accurate and complete.
  • Keep Copies: Maintain copies of all submitted forms and receipts for your records just in case you may need them later.
  • Verify Transfer Status: After submitting the paperwork, check the status of your title transfer with FLHSMV for peace of mind.

Summary

Transferring a car title in Florida involves gathering documents (title, bill of sale, ID, insurance), ensuring a clean title, and following specific steps for buyers and sellers. Double-check everything for a smooth transfer!

Whether you have a new or old car, a Florida title loan can get you cash in as little as one business day.2 Visit our FAQ page or call us at (888)-309-0994. Apply today for a free, no-obligation quote and discover how much you can receive!1

Frequently Asked Questions

Do Both Parties Need to Be Present to Transfer a Title in Florida?

No, both parties don’t necessarily need to be physically present to transfer a physical car title in Florida. Here’s the breakdown:

  • Seller: The seller can complete their part of the process by assigning the title and providing documents independently. 
  • Buyer: The buyer needs to submit the completed application and other documents in person, though they can gather the necessary information from the seller beforehand.

Can a Florida Title Be Transferred Online?

Unfortunately, Florida does not currently offer online title transfers. The buyer must visit a local FLHSMV office to submit the completed application and required documents.

How Do I Transfer Ownership of a Car to a Family Member in Florida?

The general process for transferring a car title to a family member in Florida is similar to any buyer-seller transfer. You’ll need to gather the same documents and follow the same steps outlined previously for buyers and sellers.

Tip: While Florida doesn’t differentiate between family and non-family transfers, consult with FLHSMV to see if there are any specific gift tax implications for transferring a car to a family member.

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Written by

Crystal Voogd

Crystal, with a bachelor's degree in Family and Human Services and a minor in Finance, offers a unique perspective. Specializing in personal finance, Crystal's clear and insightful writing covers topics such as title loans, budgeting, and credit management. Dedicated to empowering readers in their financial journey, Crystal provides reliable guidance for informed decision-making and stability.