Why Kissimmee Homeowners Use a Lady Bird Deed
Plenty of Kissimmee families assume a will handles the house. It does not; a will still goes through probate. A lady bird deed (its formal name is an enhanced life estate deed) answers it quietly. The home passes to the people you name the moment you die, with no probate, and you keep complete control while you are alive. You can sell it, borrow against it, or change your mind, all without anyone's permission.
Kissimmee anchors Osceola County in the Orlando metro, a fast-growing, heavily Hispanic area that mixes young working families with retirees. A booming, multigenerational Orlando-area market where first wills, homestead protection, and powers of attorney for aging parents lead. See exactly how a lady bird deed works → You do not need a lawyer with an office in Kissimmee, because the deed records in Osceola County no matter where it is drafted. Here is how working with a Florida lady bird deed attorney runs, wherever you are.
Where Your Deed Records in Osceola County
A deed only protects your family once it is properly recorded, and in Osceola County that happens with the Osceola County Clerk of the Circuit Court and County Comptroller. The Osceola County recording office sits at 2 Courthouse Square in Kissimmee, but we e-record your deed electronically, so you never make the trip. The cost to record is modest and set by Florida law, the same in every county, usually around $18 to $30. The Department of Revenue has ruled that an enhanced life estate deed is not subject to documentary stamp tax, and in practice the deed is recorded with a nominal recital and a seventy cent stamp. We pull your exact legal description from the last recorded deed, prepare the document, and e-record it for you, so nothing depends on you driving to a courthouse.
Your Deed in Kissimmee, Step by Step
Osceola County has 87,265 homesteads, and the Save Our Homes cap holds the average one $90,730 below its market value in 2026. 32,696 Osceola County parcels belong to an owner with a mailing address in another state, and 5,724 more to an owner abroad. An owner who lives elsewhere is the one a lady bird deed helps most, because a Florida house otherwise needs a second probate here. The Osceola County court opened 858 new probate cases in the 2024 to 2025 court year. A house that passes by lady bird deed stays out of that count.
- 1Osceola Clerk of the Circuit Court and County Comptroller, Recording, Judge Jon B. Morgan Courthouse, 2nd floor, 2 Courthouse Square, Kissimmee, FL 34741. Directions
- 2Courthouse parking, east side of the complex, 2 Courthouse Square, Kissimmee, Florida 34741. Directions
- 3Historic Courthouse, 3 Courthouse Square, Kissimmee, FL 34741. Directions
- 4Hart Memorial Central Library, 211 East Dakin Ave, Kissimmee, FL 34741. Directions
- 5Susana’s Cafe, 18 S Orlando Ave, Kissimmee, FL 34741. Directions
- 6Cariño’s Cafe, 222 Broadway, Kissimmee, FL 34741. Directions
- 7Centennial Bank, Kissimmee branch, 625 N Central Ave, Kissimmee, FL 34741. Directions
- 8USPS Oak Street, 1415 W Oak St, Kissimmee, FL 34741. Directions
- 9Kissimmee Lakefront Park, 201 Lakeview Drive, Kissimmee, FL 34741. Directions
- 10Monument of States, Kissimmee Lakefront Park, 201 Lakeview Drive, Kissimmee, FL 34741. Directions
- 11SunRail Kissimmee/Amtrak station, 320 Pleasant Street, Kissimmee, FL 34741. Directions
- 12Osceola County Property Appraiser, 2505 E Irlo Bronson Memorial Hwy, Kissimmee, FL 34744 (a drive, not on the map). Directions
- 13Osceola County Tax Collector, driver license and motor vehicle office, 2501 E. Irlo Bronson Memorial Highway, Kissimmee, FL 34744. Directions
- 14Osceola County Veterans Services, main office, 1392 E. Vine Street, Kissimmee, FL 34744 (a drive, not on the map). Directions
- 15Osceola County Veterans Services, St. Cloud branch, 810 13th Street, Saint Cloud, FL 34769 (a drive, not on the map). Directions
- 16Florida Department of Health in Osceola County, Vital Statistics, 1875 Fortune Road, Kissimmee, FL 34744 (a drive, not on the map). Directions
Who records your deed in Osceola County, and how we get it there
In Osceola County, deeds are recorded by the Clerk of the Circuit Court and County Comptroller, Kelvin Soto, Esq. The Recording Department is on the second floor of the Judge Jon B. Morgan Courthouse, 2 Courthouse Square in downtown Kissimmee. The office is open Monday through Friday from 8 a.m. to 5 p.m., but the Clerk stops recording at 4:30 p.m., and a document that arrives later is recorded the next business day. Recording answers at 407-742-3517, and mail goes to the Osceola Clerk of the Circuit Court and County Comptroller, Attention Recording, at the same address.
You will not need to go downtown. We record your deed electronically through Simplifile, which the Clerk lists by name among its approved eRecording vendors. The posted recording fee is $10 for the first page and $8.50 for each page after, so a two-page deed records for $18.50, and the Clerk adds $1 for each name past the first four. At the counter the Clerk takes cash, a business check, a cashier’s check or a money order, and a credit card carries a 3.5 percent fee. Personal checks are not accepted. The Clerk’s branch office in Poinciana handles criminal and traffic payments only, so the courthouse is the one place in the county that records.
After it records: find it, print it, and watch it
We send you the recorded deed as soon as the Clerk returns it. The deed also appears in the Clerk’s official records search, where you search by party name, last name first with no comma, and open the recorded image. The Clerk also keeps a historical index of the old books by subdivision and by section, township and range, for anyone tracing a title back before the online records.
If a bank or title company asks for a certified copy, the Clerk charges $1 a page plus $2 to certify each document, so a three-page deed costs $5. By mail, include a self-addressed stamped envelope. The Clerk also sells electronically certified copies through its website, and a third-party vendor adds its own fee.
For a paper copy printed near the courthouse, the Hart Memorial Central Library at 211 East Dakin Avenue, about 13 minutes on foot, prints in color or black and white for 25 cents a page, by credit card or exact change, and scans to a USB drive or to email for free. You can also send a print job from your phone and pick it up within two hours. The library answers at 407-742-8888.
Then take two minutes to sign up for the Clerk’s free Property Alert. After you register and confirm by email, you pick the parcel number from the Property Appraiser’s site or your name, and the service alerts you when a matching document is recorded. The Clerk asks you to register every version of your name, with and without a middle initial or a suffix, because the alert matches names exactly. The Clerk is plain about why this matters. Florida law does not let the office check who is signing a deed, and nothing comes out of the records once it is recorded without a court order. If a deed ever appears that you did not sign, the Clerk sends you to the Kissimmee Police Department, the St. Cloud Police Department or the Osceola County Sheriff’s Office, depending on where you live.
Signing in Kissimmee, or from anywhere
A Florida deed needs two witnesses and a notary. We set up the signing for you by video, so you can sign from your own kitchen table. The Osceola Clerk spells out what a deed needs before it will record, and our drafts meet every item. The grantor’s signature is notarized with the grantor’s printed name and address under it, and the notary’s name and seal appear. Two witnesses sign, each with a printed name and, since January 1, 2024, a post office address beneath it. The deed carries a complete legal description, the grantee’s mailing address, the preparer’s first and last name and address, and a 3 by 3 inch space at the top right corner left blank for the Clerk. The Clerk rejects photocopied signatures and wants original ink.
If you would rather sign in person downtown, the Clerk’s main office in the courthouse lists a recording notary among the services it offers by appointment, which you can book through the Clerk’s online appointments page. Plan on bringing your own two witnesses. There is one caution that can save you a trip. The Osceola Library System offers free notaries at its branches, but its own notary page says it does not notarize deeds, wills, powers of attorney or mortgage documents.
If you are at the courthouse anyway
Some families come to 2 Courthouse Square to record something else, file a probate paper or buy a certified copy, and want to know what is close. For hot coffee and breakfast, Susana’s Cafe at 18 South Orlando Avenue, about 7 minutes on foot, serves Costa Rican coffee and breakfast, open every day from 8 a.m. to 3 p.m. For a later cup, Cariño’s Cafe at 222 Broadway, about 12 minutes on foot, is a coffee shop serving cappuccino and breakfast croissants, open from 7 a.m. Monday through Thursday and from 8 a.m. Friday through Sunday, and it answers at 407-904-5815.
If you need a cashier’s check and bank there, Centennial Bank has a full-service branch at 625 North Central Avenue, about 17 minutes on foot. The Oak Street Post Office at 1415 West Oak Street, about 26 minutes on foot and an easier drive, is open weekdays from 8:30 a.m. to 5 p.m. and Saturday from 9 a.m. to 2 p.m., and it answers at 407-846-2513.
When you are done, Kissimmee Lakefront Park at 201 Lakeview Drive is about 7 minutes on foot, between historic downtown and the shore of Lake Tohopekaliga, with a fishing pier, a lighthouse, a splash pad and pavilions you can rent. The Monument of States stands in the park, and the city’s own history records that its construction was completed in 1943. The county’s Historic Courthouse is at 3 Courthouse Square, about 5 minutes on foot.
- Starting October 4, 2026, the Hart Memorial Central Library is open Monday through Thursday from 9 a.m. to 8 p.m., Friday and Saturday from 9 a.m. to 6 p.m., and Sunday from 1 p.m. to 5 p.m.
Parking and getting to the courthouse
Courthouse parking is on the east side of the complex, and both the street-level spaces and the garage are free. The building is open weekdays from 8 a.m. to 5 p.m., and everyone entering goes through a security search, so leave extra time.
Without a car, SunRail stops at the Kissimmee/Amtrak station at 320 Pleasant Street, about 13 minutes on foot from the courthouse. SunRail riders can also call a free Freebee electric car from the station to downtown destinations through the Freebee app, Monday through Friday from 6 a.m. to 9 p.m.
Your homestead exemption in Osceola County
Homestead is handled by Katrina S. Scarborough, the Osceola County Property Appraiser, whose office is at 2505 East Irlo Bronson Memorial Highway in Kissimmee, open weekdays from 8 a.m. to 5 p.m. The office answers at 407-742-5000 and takes email at [email protected]. The Property Appraiser lists the full homestead exemption at $51,411 for 2026, which is $25,000 plus $26,411.
You can file for homestead online. You must own the home and make it your permanent residence on January 1, and the timely deadline under Florida law is March 1. The Property Appraiser asks each applicant for a Florida driver license or ID, vehicle registration, voter registration and a recent electric bill, all showing the home’s address.
The Property Appraiser warns that a change in the title, such as putting the home into a trust or adding a spouse, could change or end your exemption, and asks owners to call first. When we record your lady bird deed, ask the office at 407-742-5000 whether it needs a new application. If your home is held in a trust, the office wants a copy of the entire trust or a Certificate of Trust on the office’s own form. A homebound owner can call the same number to arrange a visit from the office’s Homebound Outreach Program.
If you are a veteran with a disability rating
A disabled veteran may qualify for more than the basic homestead exemption, and the proof is a letter from the U.S. Department of Veterans Affairs. The Osceola Property Appraiser lists a $5,000 exemption for an honorably discharged veteran with a service-connected disability rating of at least 10 percent, a full exemption on the homestead for a veteran with a service-connected total and permanent disability, and an added discount for a veteran 65 or older whose disability was combat related. The unremarried surviving spouse of a disabled veteran may also qualify for the $5,000 exemption.
Osceola County Veterans Services helps with the VA paperwork. The main office is at 1392 East Vine Street in Kissimmee, with a branch at 810 13th Street in St. Cloud, and both answer at 407-742-8455. The county says appointments must be scheduled in advance, and it asks you to bring your discharge papers.
If your name has changed since you bought the home
Marriage or divorce often leaves a home titled in a name you no longer use. We write the new deed with both names, the name on your old deed and your name today, so the record connects them and a future title search does not stall on the difference.
Your driver license should match as well, because the Property Appraiser asks for a Florida driver license when you file for homestead. The Florida Department of Highway Safety and Motor Vehicles requires every name change on a license to be made in person at a local office, and only after the Social Security Administration has updated your name, allowing 24 to 48 hours after that. In Kissimmee the Osceola County Tax Collector runs a driver license and motor vehicle office at 2501 East Irlo Bronson Memorial Highway, on the same road as the Property Appraiser, open weekdays from 8 a.m. to 4 p.m. at 407-742-4000. The state asks you to make an appointment through the Tax Collector’s website, osceolataxcollector.org.
When the time comes: what your family does, without probate
After you die, the house is already your family’s. To show that in the record, they record a certified copy of your death certificate and an affidavit, and then a title company can insure a sale. The Osceola Clerk records a Florida death certificate only as a certified copy from the Department of Health with the confidential information left off. A surviving spouse can also apply for the widow’s or widower’s exemption, which the Property Appraiser wants filed by March 1 with a copy of the death certificate.
Certified death certificates come from the Florida Department of Health in Osceola County, 1875 Fortune Road in Kissimmee. Vital Statistics is open weekdays from 8 a.m. to 4:30 p.m. and answers at 407-343-2009. The fee is $10 for each certificate, the county office issues certificates for Florida deaths from 2009 on, and every request needs a copy of a photo ID. We prepare and record the rest.
Local details checked September 29, 2026 on the offices' and businesses' own sites and Google Maps. Places are listed for convenience, not as a recommendation; call ahead, since hours change. Map data © OpenStreetMap contributors. County figures from the Florida Department of Revenue 2026 property roll and Data Book and the Florida courts' FY 2024 to 2025 Statistical Reference Guide. Sources: Osceola Clerk, Recording Information · Osceola Clerk, Recording FAQs · Osceola Clerk, eRecording vendors · Osceola Clerk, Locations and services · Osceola Clerk, Contact Us and department listing · Osceola Clerk, Historical Records Index · Osceola official records search · Osceola Clerk, Property Alert Service · Osceola County Property Appraiser, Contact Us · Osceola County Property Appraiser, All Exemptions · Osceola County Property Appraiser, About Homestead Exemption · Osceola County Property Appraiser, Exemption Forms (Certificate of Trust) · Osceola County Property Appraiser, online exemption filing · Florida Department of Health in Osceola County, death certificates · Florida Department of Health in Osceola County, location and Vital Statistics hours · Osceola County Veterans Services · FLHSMV, Osceola County service centers · FLHSMV, name and address changes · Osceola Library System, Hart Memorial Library · Osceola Library System, printing · Osceola Library System, notary service · Osceola County, Hart Memorial Central Library · Osceola County, Historic Courthouse · Ninth Judicial Circuit, Jon B. Morgan Osceola County Courthouse (parking) · City of Kissimmee, Kissimmee Lakefront Park · City of Kissimmee, History of the City · SunRail, Kissimmee/Amtrak station · SunRail, Kissimmee Freebee · Susana’s Cafe · Cariño’s Cafe · FDIC BankFind, branches in 34741 · USPS Post Office locator, Kissimmee · OpenStreetMap walking routes
The Mistakes We Fix for Osceola County Families
The cheap way usually costs the most. A plain gift of the home to the kids loses the step-up in basis (a tax break that can save the family tens of thousands when they sell) and can trigger Florida's five-year Medicaid penalty. A do-it-yourself form often misses the homestead and spousal rules, which can quietly void the deed for a married owner. We handle those checks as part of the flat fee, so the deed actually holds up. What a valid form must contain → · when a deed is the wrong tool →
Helping Kissimmee families keep the home simple.
A No-Cost Phone Consult confirms a lady bird deed fits, by phone or video. If a trust is the better tool, we will tell you that too.
Book a no-cost consultWhat It Costs
Our flat fee is $399 for an individual owner and $449 for a joint deed, the same price the form mills charge, with a real attorney behind it. On top of that you pay only the government recording cost and the documentary stamp, passed through with no markup. The fee is posted up front and honored for 90 days. See the full cost breakdown →
Communities We Serve Near Kissimmee
We work with homeowners across Osceola County, including St. Cloud, Celebration, Poinciana, Buenaventura Lakes, Harmony, Kissimmee, and the surrounding area. StepUpLaw is a Miami firm serving Kissimmee families wherever you are; this is not a Kissimmee office, and we frame our work that way out of respect for Florida's advertising rules.
Frequently Asked Questions
Do I need a Kissimmee office to set up a lady bird deed?
No. StepUpLaw is a Miami firm that serves Kissimmee and Osceola County homeowners by phone and video, with the deed signed by remote online notary and e-recorded in your county. Many of our clients are adult children handling a Florida parent's home from another state.
Where does a Kissimmee lady bird deed get recorded?
With the Osceola County Clerk of the Circuit Court and County Comptroller, in the county where the property sits. Recording fees are set by Florida law and are the same in every county, usually about $18 to $30 for a deed like this. The Department of Revenue has ruled that an enhanced life estate deed is not subject to documentary stamp tax, and in practice the deed is recorded with a nominal recital and a seventy cent stamp.
Will a lady bird deed help my Kissimmee home avoid Medicaid estate recovery?
Yes. Florida only recovers Medicaid costs from the probate estate. Because a lady bird deed passes the home outside probate, it stays out of recovery's reach, while your homestead also stays exempt during your lifetime. It is one of the main reasons Osceola County families use it.
Can the notary be one of the two witnesses on my Kissimmee deed?
Yes, when the notary watches you sign and also signs on a witness line with a mailing address. A notary who only completes the acknowledgment is not a second witness, and a deed with one witness and a notary is a witness short. Florida law cures a missing witness five years after the deed is recorded, absent fraud, so recording promptly with the Osceola County Clerk of the Circuit Court and County Comptroller is also what starts that clock.
Can I still sell my Kissimmee home after signing?
Yes, and that is the whole point of the "enhanced" part. You keep the right to sell, refinance, rent, or change your mind, all without asking the beneficiaries. If the home is your homestead and you are married, your spouse still joins the deed for a sale or mortgage.
Updated October 18, 2026. Reviewed by Kevin D. Klagge, Esq., Fla. Bar No. 99502. Attorney Kevin Klagge represents families, businesses, and international clients in estate and tax planning, business structuring, and international law, with a focus on Florida legal tools. He litigates estate and business issues in court. General information about Florida law, not legal advice, and no attorney-client relationship is created. We serve Kissimmee and Osceola County residents wherever they are. Do not send confidential information until we have agreed to represent you.