Real Estate Loan Signings
Refinances, purchases, HELOCs and seller packages handled by a certified signing agent.
A Florida bill of sale does not always have to be notarized, but the ones that matter usually should be. We meet buyer and seller wherever the handoff happens in Kendall and notarize the bill of sale, the odometer disclosure and the title in a single visit.
(305) 614-9041The honest answer is usually no, and any notary who tells you otherwise is selling you something. Florida does not require a notarized bill of sale for a routine private vehicle sale. The state's own motor vehicle bill of sale, HSMV Form 82050, has no notary block on it at all. What actually transfers ownership of a car in Florida is the signed certificate of title, not the bill of sale.
So why do we notarize dozens of them a year in Kendall? Because the people on the other side of the transaction keep asking for it. Out-of-state DMVs frequently require notarization even when Florida does not, and a buyer registering a Miami-bought car in Georgia, New York or Puerto Rico will often be turned away without a seal. Lenders financing a private-party purchase want one. Insurance companies want one after a total loss dispute. And when a sale involves people who do not know each other, a notarized bill of sale is a great deal harder to walk back than a handwritten receipt.
For a car, truck or motorcycle sale, the bill of sale sits alongside two other documents that matter more: the certificate of title, which does require notarization of certain signatures depending on the form, and the odometer disclosure, which federal law demands on most vehicles under twenty years old. We handle all three in one visit rather than sending you back out for a second appointment.
The bill of sale itself should name both parties in full, describe the vehicle by year, make, model and full seventeen-character VIN, state the exact purchase price, give the sale date, and note the odometer reading. Florida's HSMV 82050 form captures all of that cleanly and is free to download, though a well-drafted private form works just as well. We read the document before anything is signed and flag missing fields while they are still fixable.
Vessel sales come up constantly in this part of Miami-Dade, and they carry their own quirks. A Florida boat sale needs the hull identification number, the length, the make and model year, and a clear statement of whether the trailer and the motor are included in the price or being sold separately. Separating them on paper matters, because the trailer is titled independently and the outboard often is not titled at all.
Trailers under two thousand pounds are registered rather than titled in Florida, which changes what paperwork the tax collector will ask for. Recreational vehicles follow the standard motor vehicle process. Motorcycles do too, though a private motorcycle sale is the one where we most often find the VIN on the bill of sale does not match the VIN stamped on the frame. We check that before we notarize, because catching it in your driveway costs nothing and catching it at the tax collector's counter costs a return trip.
Not every bill of sale involves a vehicle. We notarize sales of construction equipment, restaurant fixtures, salon chairs, landscaping trailers, tools, livestock, artwork and the entire contents of a business changing hands. Small business sales in Kendall often turn on a general bill of sale that lists the transferred assets in a schedule attached to the document.
For these, the document is doing all the work, because there is no title or registration to back it up. That makes precision important: describe each item specifically enough that a stranger could identify it, include serial numbers where they exist, state whether anything is sold as-is, and be clear about what is not included. We are not attorneys and cannot draft the document or advise on its terms, but we will tell you when a description is too vague to be worth notarizing.
Have the document filled out but unsigned. This is the single most common reason a mobile appointment goes sideways. A notary must witness the signature being made; a page that is already signed cannot be notarized and has to be reprinted and signed again. If you are meeting in a parking lot without a printer nearby, a pre-signed form can end the appointment entirely.
Every person whose signature will be notarized needs an unexpired government photo ID — a Florida driver license, a state ID card, a US passport, or a foreign passport. The names have to match the document. If the title says Maria E. Gonzalez and the driver license says Maria Gonzalez, tell us in advance so we can handle it correctly rather than discovering it mid-signing. If a business is selling the property, the person signing should be able to show they have authority to sign for the entity.
Most of our bill of sale work in Kendall is really one half of a vehicle transfer, and it makes no sense to split the two. In a single visit we notarize the seller's signature on the certificate of title where the form requires it, complete the odometer disclosure, notarize the bill of sale, and make sure the buyer leaves with everything the tax collector will ask for.
One warning worth repeating: never correct a mistake on a Florida title with white-out, correction tape or a scribble. An altered title is generally void, and the seller has to apply for a duplicate before the sale can close. We would much rather pause an appointment and explain that than notarize a document the state will reject.
Private sales are awkward because two strangers have to pick a place to exchange several thousand dollars. We meet wherever the sale is actually happening: a driveway in West Kendall, a parking lot along Kendall Drive, a business off SW 137th Avenue, a marina when a boat is involved. We regularly meet at shopping center lots where buyer and seller split the drive, and we can meet at the buyer's bank if the money is coming out as a cashier's check.
We are available 9 AM to 7 PM, seven days a week, which matters for these appointments specifically. Private vehicle sales happen on Saturday and Sunday afternoons far more than on Tuesday mornings, and that is exactly when most banks and shipping-store notaries are closed.
Florida caps the notarial act itself at ten dollars per notarized signature. Everything beyond that is a delivery fee based on your location — the actual distance we drive from Kendall to reach you. That fee is legal, it is disclosed before we accept the job, and it is quoted as a single number so you know the whole cost before anyone gets in a car.
A bill of sale with one seller's signature costs less than a transaction with a bill of sale, a title and an odometer statement across two signers. A meeting in Kendall or West Kendall carries a lower delivery fee than one in Homestead or Doral, because the fee tracks the drive. Weekend and evening appointments carry a modest premium, disclosed in the same quote. Nothing is added afterward.
The failures we see most often are boring and entirely preventable. Leaving the purchase price blank or writing a fictional low number to reduce sales tax — which is tax fraud, and the tax collector compares the figure against the vehicle's value. Writing the VIN from memory instead of reading it off the dash. Dating the document for a day other than the day it is signed. Listing one buyer on the bill of sale and a different name on the title.
The other big one is the seller who hands over a signed title with the buyer section left blank, sometimes called an open title. It is illegal in Florida, it leaves the vehicle registered in the seller's name, and every ticket, toll and accident that follows lands on the seller. Fill in the buyer's information at the signing, and file the notice of sale with the state so the record shows the car left your hands.
When a Kendall seller ships a car to a buyer in another state, the notarized bill of sale becomes far more important, because the receiving DMV has no relationship with Florida's records and often treats the notarized document as the proof of purchase price and transfer date. Several states will not register an out-of-state private purchase without one.
If the vehicle is going overseas, the bill of sale and title may need an apostille before a foreign registry accepts them. That is a separate process through the Florida Department of State, and it starts with a proper notarization here. Tell us the destination country at the appointment so the notarial wording is right the first time.
Call or text with the item being sold, how many signatures need a seal, and where the two parties want to meet. You will get a confirmed time and a firm total before we leave, and same-day appointments are common because these signings are short.
If you are not sure your document needs a notary at all, ask before you book. We would rather tell you on the phone that Florida does not require it than take a fee for a seal you did not need. And whatever happens, photograph every signed page before the paperwork leaves the driveway — both parties should walk away with a copy.
Refinances, purchases, HELOCs and seller packages handled by a certified signing agent.
Estate documents notarized with the witnesses Florida law requires — you provide the witnesses.
Documents prepared and walked through the Florida Department of State for use abroad.
Bedside signings at Baptist, Kendall Regional and West Kendall Baptist, plus assisted living.
Sworn statements, DMV titles, I-9 verifications, parental consent and school forms.
Bill of sale, odometer and lien release paperwork notarized in your driveway.
The Florida version of a certified copy, and an honest answer about what a notary may not copy.