Phone Number: 906-524-6100, ext. P.O. Mason, MI 48854 The person selling the property is often called the "grantor" while the person buying the property is called the "grantee". Hillsdale MI 49242 http://www.arenaccountygov.com/register_of_deeds/, Baraga County Register of Deeds Fax Number: 906-643-1178 https://deltacountymi.org/register-of-deeds/, Dickinson County Register of Deeds If you own the property as joint tenants with rights of survivorship and one of the owners dies, the entire property will pass to the other owner. Also, I did not know the deed has to be worded a certain way in order to avoid probate upon my death. Adding someone to your house deed requires the filing of a legal form known as a quitclaim deed. Tenancy by the entirety is only available for married couples and is not recognized in some states. Baldwin, MI 49304 Elle Di Jensen has been a writer and editor since 1990. Co-owners who are tenants in common can use the property as security on a loan or take out a mortgage on the property, but only to the extent of their ownership interest. Box 110 This is a law that allows a husband and wife to hold a piece of property as if they were a single entity. How To Add Someone To A Deed In Georgia - US Legal Forms Fax Number: 810-985-4795 http://www.baycounty-mi.gov/rod/, Benzie County Register of Deeds https://www.stjosephcountymi.org/government/register-of-deeds, Tuscola County Register of Deeds Procedures vary by state and altering ownership in your property can have repercussions, so it's wise to consult an attorney before adding anyone to your deed. Fax Number: 906-387-2156 The short answer: No. Monroe, MI 48161 Did you know you can get premium answers for this article? Email: ROD@ioscocounty.org Munising, MI 48962 . Phone Number: She received her JD from Indiana University Maurer School of Law in 2006. Before you add someone to your house title, consider consulting an attorney to better understand the legal and financial repercussions of doing so. Otherwise, there is a presumption that the ownership interest will be equal. Her work has appeared in various print and online publications. This could result in far lower capital gains taxes. https://www.countyofbranch.com/departments/register-of-deeds/, Calhoun County Register of Deeds Fax Number: 906-337-2253 By using our site, you agree to our. Fax Number: 269-445-4453 http://www.roscommoncounty.net/196/Register-of-Deeds, Saginaw County Register of Deeds Ideally, you won't just "add" your child's name to your existing deed. Fax Number: 231-256-8149 How do I add someone to my deed? She received her JD from Indiana University Maurer School of Law in 2006. Survivorship (outliving your co-owner) affects more than just the four types of jointly owned property. Sandusky, MI 48471 422 W. Lake Street Email: jwinton@oscodacountymi.com Government Center P.O. FindLaw: What's the Difference Between Joint Tenants with Survivorship and Tenants in Common? However, in practice, they may refuse regardless of who you're adding to your house title or why. Property Transfer Among Family Members | H&R Block Phone Number: 248-858-0581 Phone Number: 231-547-7204 Note: A deed is an instrument used to transfer ownership (title) to another person. 101 Court Street About the Author. If one person owns a piece of real estate and wants to bring on another owner, this means that the current owner would give up their interest in the property to themselves and the other person. It doesn't matter whether you intended it to be a gift or not. There are four common ways to hold title to real estate in Michigan: Tenants in Common. Some common exemptions include homestead exemptions or exemptions for people over the age of 65. 200 Division Street, Suite 150 You sign the deed as grantor, have it notarized and file it with the county's registry of deeds. Spell out ownership percentages only if the parties involved are to share ownership in a split other than 50-50. One of the most common incorrect assumptions in real estate is that someone can be added to a deed. http://www.masoncounty.net/departments/register-of-deeds/, Mecosta County Register of Deeds https://www.newaygocountymi.gov/departments/register-of-deeds/home/, Oakland County Register of Deeds Fax: 989-785-8080 Fax Number: 231-258-3345 If avoiding probate is a priority, an attorney can help you find the best method to add the other person to your house title. Rogers City, MI 49779 111 S. Michigan Avenue Box 168 A trustee of a trust is the person or agent who is appointed to administer the trust. 1045 Independence Blvd. These clauses typically state that if you ask your lender for permission to add someone to your house title, they won't unreasonably refuse. A present beneficiary of a trust is the person who has the enjoyment and beneficial use of the property during the life of the trust. Civil Rights, Inclusion & Opportunity Department. Roscommon, MI 48653-7664 Adding someone to your house deed requires the filing of a legal form known as a quitclaim deed. http://www.kalcounty.com/clerk/, Kalkaska County Register of Deeds P.O. Fax Number: 231-779-5352 Procedures vary by state, so it's best to hold off signing the deed until you're in the presence of the notary at the recorder's office so that the signatures can be witnessed. Bay City, MI 48708 220 W. State St. Room 102 The difference between tenancy by the entirety and joint tenancy with right of survivorship is that if one spouse has debts, that spouse's creditors can't go after the other spouse's interest in the property to cover those debts. Fax Number: 231-237-0106 Charlevoix, MI 49720 wikiHow marks an article as reader-approved once it receives enough positive feedback. https://www.montcounty.org/register-of-deeds.html, Muskegon County Register of Deeds Accessed April 10, 2020. Court House Step 1: Download the MI quitclaim deed form. A deed and a mortgage are two separate things. You can ask at the county recorders office when you pick up the form, although usually you can tell by whether the deed includes blanks for both of you to sign. Pontiac, MI 48341-0480 http://keweenawcountyonline.org/department-clerk.php, Lake County Register of Deeds The form will include a blank for your name, the names of the people to whom you want to transfer the property, and the legal description of the property (which you can copy from your old deed). You can do your title search yourself, or you can order one from the title company that issues your title insurance policy. Fax Number: 989-344-3223 Phone Number: 989-831-7337 To add a spouse to a deed, all you have to do is literally fill out, sign and record a new deed in your county recorders office. You can add someone to the deed if there is a mortgage, but it will not change who is responsible for the mortgage. In California, you can. Fax Number: 989-345-6221 If you want the property to automatically pass to the other owner with the death of one owner, choose a form of co-ownership that includes the "right to survivorship.". https://www.accesskent.com/Departments/RegisterofDeeds/, Keweenaw County Register of Deeds Phone Number: 517-676-7216 Complete, review and sign the quitclaim or warranty form. Email: register@miottawa.org how to add someone to a deed in michigan? - Eco Canna Biz http://www.livgov.com/rod/Pages/default.aspx, Luce County Register of Deeds Box 269 287 W. Nepessing Street Suite 1 If so, the change in title might trigger an obligation to repay the remaining debt in full, or demand a refinancing agreement to add the new owner to the note. X Complete the deed, filling in your name as the current owner, and your name along with the additional person's name as the people to whom you're deeding your property. Jensen attended Idaho and Boise State Universities. MSU Extension. This most simple answer is yes. P.O. Email: rod@livgov.com Warranty deeds come with some type of . Returning to the $100,000, suppose you create a TOD deed for your spouse. Caro, MI 48723 Phone Number: 906-225-8415 Phone Number: 989-895-4228 Adrian, MI 49221 12265 M-32 West Thanks to all authors for creating a page that has been read 636,176 times. In order to accomplish this, you can't just pen in the name on your deed. One thing to be careful of in this situation is title insurance coverage. The new person acquiring an interest in the property would also be a grantee. References 51 S Macomb St Marie, MI 49783 If you have a tenancy by entirety, then it converts to tenancy in common. Include your email address to get a message when this question is answered. If youve recently married and already own a home or other real estate, you may want to add your new spouse to the deed for your property so the two of you own it jointly. Fax Number: 313-224-5884 Michigan Works - Saint Clair. Last Updated: June 3, 2020 In some cases, you may be able to order the deed online. "Adding someone to a deed" means transferring ownership to that person. When you use a quitclaim deed, you're only transferring any ownership interest you have. In Michigan, a person must live more than 120 hours after their co-owner dies for the survivorship rights to take effect. Or, it could be that you want the ownership of your property to go to your child in the event of your death. P.O. 200 North Main St. Suite 110 You may also have to pay a document transfer tax. It doesn't matter whether money was exchanged or not. Fax Number: 517-543-4134 You, as the "grantor" -- the property owner -- make out a deed conveying title to two "grantees," yourself and your partner. Cassopolis, MI 49031 Phone Number: 231-533-6683 Once you've signed the deed, take it to the recorder's office where you got the copy of your old deed. 304 E. Ludington Ave. https://www.lucecountymi.com/register-of-deeds, Mackinac County Register of Deeds For more detailed information on how to add someone to your house title, scroll down. Include your email address to get a message when this question is answered. This includes the names of the people listed as owners on the deed -- in this case, you and the person you're adding -- and your mailing address, the one to which you would like the recorded deed and tax documents mailed. Phone Number: 906-863-2822 https://www.isabellacounty.org/departments/register-of-deeds/, Jackson County Register of Deeds Lenawee County Courthouse How to Add Someone to Your House Title - wikiHow 806 W. Houghton Avenue, Room 104 Generally, anyone who dies during the first 120 hours after . 1200 N. Telegraph Email: clerk@cheboygancounty.net Note also that if there is an outstanding mortgage on the property, the owner must review the terms to see if there is a notification requirement. One of the most common questions about deeds is: Can a person's name be on a deed without being on the mortgage? A transfer on death (TOD) deed. Finally, neatly fill out your new deed, sign in the presence of a notary, and file the new deed at the county recorders office. Clemens, MI 48043 Fax Number: 989-826-1156 How to Add Someone to a Deed* - Roberts & Roberts Law Firm Box 296 If you add someone to the property deed and you are responsible for the mortgage, your lending institution might require you to refinance the loan in both names. You can buy one of these policies by paying a one-time fee, which typically is relatively low. Alpena, MI 49707 310 Ludington Street, Suite 104 % of people told us that this article helped them. If youre paying a mortgage, get your lenders written permission to transfer your house title, and if your house is a major asset, consult an estate attorney regarding potential estate issues. 870 S. Main Fax Number: 906-875-0658 This article taught me things I did not know. Fax Number: 269-982-8659 Hastings, MI, 49058 In this case, if one dies, the other automatically becomes the sole owner of the property. Laws regarding deed transfer in Michigan also allow joint tenancy, which is joint ownership between multiple owners, such as a group of business partners. 2 South 6th Street, Suite 11 Fax Number: 810-648-5461 Accessed April 10, 2020. http://rd.ingham.org/departments_and_officials/register_of_deeds/index.php, Ionia County Register of Deeds Fax Number: 231-882-0167 725 Greenland Road The current owner would also be one of the grantees, the persons receiving the grantors rights to the property. : How to Add Someone to a Deed, LegalBeagle: How to Add a Husband's Name to the Deed or Leave the House to Him in a Will. There are two ways to get a deed. Use it to try out great new products and services nationwide without paying full pricewine, food delivery, clothing and more. Fax Number: 517-546-5966 Email: register@masoncounty.net Ann Arbor, MI 48107-8645 The deed must be notarized. Michigan Real Estate Basics: Title to Real Property P.O. This may include information such as the statement that the transfer is forever, or that the property transfer extends to the second person's assigns. Register of Deeds | Clinton County, MI Box 111 If you do not specify the type of ownership, the ownership will be presumed to be tenancy in common. Charlotte, MI 48813 Phone Number: 269-383-8970 Email: regofdeeds@co.montcalm.mi.us Sault Ste. P.O. Phone Number: 231-873-4158 Part 1 Understanding How It Works Download Article 1 Contact your lender. Detroit, MI 48226 Phone Number: 810-989-6930 301 N. Main St. However, if you own the property as tenants in common and one owner dies, that owner's interest in the property goes to his heirs, and the other owner only keeps whatever she had before the death. https://www.co.hillsdale.mi.us/index.php/tm-gov/tsm-gov-deeds, Houghton County Register of Deeds Fill out the form and sign it before a notary to make the transfer legal. To avoid probate, you must choose an ownership relationship that includes a right of survivorship. "The Trade-Offs of Repealing Step-Up in Basis." It can also affect inheritance rights of heirs and devisees. Flint, MI 48502 This can be an issue at tax time, as the Internal Revenue Service requires donors to pay gift taxes if they give away more than a certain amount in cash or property to one person during the year. https://www.berriencounty.org/296/Register-of-Deeds, Branch County Register of Deeds Phone Number: 906-482-1311 Fax Number: 734-222-6528 Phone Number: 810-667-0211 https://www.geneseecountymi.gov/departments/register_of_deeds/index.php, Gladwin County Register of Deeds Adding Someone to your Deed: Here is What you Should Know | EBC Many of these reasons involve marriage, moving in together, divorce or estate issues. Phone Number: 906-387-2076 Generally speaking, adding another owner only makes the probate process more complicated. Clerk - ROD - FAQ | Macomb County You cannot simply add someone to the deed in most cases, and it will require a change in the form of the deed on the property. Owners with separate interests won't have a right to survivorship of the other owner's interest. Phone Number: 231-779-9455 For example, if he has a bad debt, his creditor can sue and force the sale of your property to pay it off. There are companies that will offer to provide you a copy of your deed, but you're better off dealing with the recorder's office directly. This article helped point the way. Record the TOD with your county recorder of deeds, and rest assured that your loved one automatically owns your house when you have passed. Corunna, MI 48817 Last Updated: February 22, 2023 720 W. Chisholm Street You'll need to transfer an interest by writing up another deed with the person's name on it. Phone Number: 989-345-0728 P.O. Phone Number: 231-882-0016 Before you add your spouse to your deed, its important that both of you understand how it potentially affects your tax liability so you can make an informed decision and not be caught unaware later on. https://presqueislecounty.org/register-of-deeds/, Roscommon County Register of Deeds 100 Marley Street The property transfer occurs automatically at the prior owner's death, avoiding probate. The Register of Deeds Office records documents pertaining to real estate property such as deeds, mortgages, liens, lis pendens, state tax liens, federal tax liens, and several other documents related to real estate property located in Macomb County. Fax Number: 989-953-7219 As a small thank you, wed like to offer you a $30 gift card (valid at GoNift.com). The notary will charge a small fee to witness your signature and notarize your deed, typically less than $10. 103 were I to add him to my deed. Michigan Lady Bird Deed Form | Enhanced Life Estate Deed - DeedClaim Once it's done, you can't take it back unless the person. Unless you know real estate and property records fairly well, it's usually safer to let the title company do it. It's revocable. Depending on your spouses financial status and earnings history, adding his name to your deed may make you ineligible for refinancing, a reverse mortgage, or certain government benefits such as Medicaid. Email: clerk@schoolcraftcounty.us Get a copy of the title deed from your county clerk's office. How Can I Add a Person to My House Deed? | Home Guides | SF Gate Email: deeds@co.muskegon.mi.us How to Add Someone to Your Mortgage: 12 Steps (with Pictures) - wikiHow Maybe you just got married and would like your new spouse listed as part owner of your home. 400 Boardman Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. http://www.osceola-county.org/residents/county_departments/register_deeds/index.php, Oscoda County Register of Deeds Be aware that adding a person to your deed can cause you to lose property tax exemptions, based on how the deed is worded. Fax Number:231-839-3684 120 North Main Jennifer Mueller is an in-house legal expert at wikiHow. P.O. Crystal Falls, MI 49920 5095 4th St. 200 N. Moore Street Strike a line through any verbiage on the deed that does not apply to your circumstances. https://www.gogebiccountymi.gov/government/county_offices/register_of_deeds.php, Grand Traverse County Register of Deeds Phone Number: 989-724-9450 Michigan Deed Forms | Get a Deed to Michigan Real Estate - DeedClaim You may also have to pay a document transfer tax. For example, it would work to say "Suzy Sunshine and Martin Moon as joint tenants with right of survivorship and not as tenants in common.". Ontonagon, MI 49953 Fax Number: 231-689-7271