Petoskey, MI 49770 If you are added to the deed of someone else's home, you are not automatically responsible for the mortgage and payments, only if they add you to the mortgage, too. Phone Number: 517-279-4320 The notary will charge a small fee to witness your signature and notarize your deed, typically less than $10. Fax Number 989-539-6616 211 W. Main St. Corunna, MI 48817 Especially if you previously consulted an attorney, you may want to have them look over the new deed and make sure it will achieve your goals for co-ownership of your house. % of people told us that this article helped them. https://keweenawbay.org/government/departments/county-clerk-register-of-deeds/, Barry County Register of Deeds Phone Number: 269-945-1289 Department of Public Works 7064 Crowner Drive Sandusky, MI 48471 Fax Number: 989-345-6221 There are different forms of deeds depending on the situation involved. https://www.geneseecountymi.gov/departments/register_of_deeds/index.php, Gladwin County Register of Deeds Fax Number: 810-768-7965 Both people would acquire their interest in the property at the same time in the chain of title. Include your name and the name of the person you want to add to your house title. Fax Number: 989-426-6902 Mt. Phone Number: 989-875-5217 https://rod.chippewacountymi.gov/landweb.dll/$/, Clare County Register of Deeds Fax Number: 231-873-9218 Monroe, MI 48161 P.O. 200 W. Michigan The types of transfers that are excluded vary among states. The materials available at this web site are for informational purposes only and not for the purpose of providing legal advice. Fax Number: 989-953-7219 310 Ludington Street, Suite 104 P.O. https://www.clareclerkrod.com/register_of_deeds/index.php, Clinton County Register of Deeds Strike a line through any verbiage on the deed that does not apply to your circumstances. 111 South Canal Street When transferring equity to add a name to your property's title deeds, your conveyancing solicitor will: To transfer equity on a property or land, it will be necessary to: Obtain and review a copy of the property's title from HM Land Registry (HMLR) Prepare the transfer deed legal documents. For example, you may set it up so that you have an 80 percent interest in the property while your sister has a 20 percent interest in the property. Phone Number: 231-533-6683 She received her JD from Indiana University Maurer School of Law in 2006. 100 Marley Street Phone Number: 989-785-8079 http://clerk.macombgov.org/Clerk-RegisterOfDeeds, Manistee County Register of Deeds Phone Number: 989-734-2676 The property transfer occurs automatically at the prior owner's death, avoiding probate. Fax Number: 231-724-6842 "Adding someone to a deed" means transferring ownership to that person. Email: rod@berriencounty.org Houghton, MI 49931 These exemptions vary among states. It doesn't matter whether you intended it to be a gift or not. 111 S. Michigan Avenue P.O. Phone Number: 231-723-2146 Spell out ownership percentages only if the parties involved are to share ownership in a split other than 50-50. Some financial institutions give consent, allowing you to add another person to your property deed without requiring you pay off your loan. http://lapeercountyweb.org/index.php/departments/register-of-deeds, Leelanau County Register of Deeds You will have to file a transfer of the deed to gain ownership of the property during the divorce. Fax Number: 906-387-2156 Reed City, MI 49677 St. Ignace, MI 49781 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. Adrian, MI 49221 Courthouse 100 W. Main Street Phone Number: 269-673-0390 https://www.emmetcounty.org/officials-departments/register-of-deeds/, Genesee County Register of Deeds Email: registerofdeeds@picounty.org 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. That means he could pay substantially more in capital gains taxes than if he acquired the property when you died. P.O. Transferring ownership of a house also means your property will likely be reassessed for tax purposes. The current owner the person giving away their rights to the property would be the grantor in the quit claim deed. 234 W. Baraga Avenue Phone Number: 906-884-4255 Phone Number: 231-258-3315 Iron Mountain, MI 49801 Fax Number: 989-790-5278 Box 35 Maybe you just got married and would like your new spouse listed as part owner of your home. 341 S. Jefferson Room 201 You might want your spouse to automatically be able to retain ownership of the property if you should become deceased. http://www.osceola-county.org/residents/county_departments/register_deeds/index.php, Oscoda County Register of Deeds How do we add my name to note? Phone Number: 906-524-6100, ext. Phone Number: 989-362-2021 Adam Luehrs is a writer during the day and a voracious reader at night. Take the deed to your county recorder's office to have it notarized and recorded. Especially with large lenders, it isn't uncommon to get a bill for the balance of the mortgage when the transfer is complete. If you live in a community property state, you can specify the home or land is community property with a right of survivorship. L'Anse, MI 49946 The easiest and most common way to do this is with a quitclaim deed and the refiling of a new deed with joint ownership. All searches are done either in person by coming to the Register of Deeds, by mail ($5.00 search fee per name/address) or by going online. A B C D E F G H I J K L M N O P Q R S T U V W X Y Z, Alcona County Register of Deeds This article taught me things I did not know. http://www.benzieco.net/government/county_register_of_deeds/index.php, Berrien County Register of Deeds You may want to consult a real estate attorney to find out if adding your spouse to your deed will achieve the result you want. 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. Phone Number: 989-269-9941 The deed should include the grantor's marital status. Please contact our friendly staff at your convenience. Fax Number: 810-985-4795 Estate Planning in Michigan Using a Ladybird Deed. This is a law that allows a husband and wife to hold a piece of property as if they were a single entity. Or, it could be that you want the ownership of your property to go to your child in the event of your death. Fax Number: 269-445-4453 Transfer on Death Deed Forms All deed forms offered here: Are available for immediate download Are fill in the blank on your computer Include step by step guide explaining every blank on the form Include completed example of forms for reference Meet state statutory requirements for content Are formatted to meet county requirements for recording https://www.montcounty.org/register-of-deeds.html, Muskegon County Register of Deeds For more detailed information on how to add someone to your house title, scroll down. http://gladwincounty-mi.gov/departments/register-of-deeds/, Gogebic County Register of Deeds However, in practice, they may refuse regardless of who you're adding to your house title or why. How to transfer property titles in Michigan becomes complicated in these cases because each owner only owns a portion of the property. Keep in mind that you may lose property tax exemptions or be charged gift taxes for adding someone to your title. Adding someone to your deed means that you have transferred part of your property ownership or the whole property for that matter. 720 W. Chisholm Street 1. If you're getting a copy from your local land registry office, search for your deed in their database or ask for assistance. 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. Be aware that adding a person to your deed can cause you to lose property tax exemptions, based on how the deed is worded. Phone Number: 989-672-3840 Stanton, MI 48888 Jennifer Mueller is an in-house legal expert at wikiHow. Your county recorder may charge a small fee to pull the deed, and typically will charge an additional fee to make a copy of it for you. Email: register@miottawa.org Obtain a blank quit claim deed form from an office supply store, attorney or title company. This most simple answer is yes. https://www.otsegocountymi.gov/259/Register-of-Deeds, Ottawa County Register of Deeds Tax Foundation. "I live in a home purchased 10 years ago by my now-deceased mom. 315 W. Green St. Owners with separate interests won't have a right to survivorship of the other owner's interest. P.O. Phone Number: 517-322-1144, Shiawassee County Register of Deeds Phone Number: 906-387-2076 1200 N. Telegraph "Avoiding Probate With a Transfer-on-Death Deed." To make changes to your property's deed, you must execute a new document rather than simply adding a name to your existing deed. You, as the "grantor" -- the property owner -- make out a deed conveying title to two "grantees," yourself and your partner. Phone Number: 989-224-5270 She began working in the fitness industry in 1987, and her experience includes editing and publishing a workout manual. Fax Number: 810-667-0293 Phone Number: 231-745-4641 What form do I need in order to change my last name on the deed to my new married name? Fax: 231-922-2770 698 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. http://www.roscommoncounty.net/196/Register-of-Deeds, Saginaw County Register of Deeds Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. MCL 565.8. Then, sign the completed form in the presence of a notary before submitting it to the recorders office! The American College of Trust and Estate Counsel. Holding Title: Tenants vs. "Tenants". E-mail:clerksoffice@macombgov.org Phone Number: 906-482-1311 Building 12 East The chain of title in real estate has been established so that an interest in real estate cannot be valued by the amount of time an owner has been in possession of the real estate. Newberry, MI 49868 Fax Number: 231-627-8453 Email: clerk@schoolcraftcounty.us Property tax exemptions mean that you pay lower property taxes, and sometimes no property tax at all. With a tenancy by the entirety, one spouse cannot take out a mortgage on the property or do anything else to encumber the property without the consent of the other spouse. Manistique, MI 49854 One thing to be careful of in this situation is title insurance coverage. Fax Number: 989-826-1156 Get a copy of your current deed and select the type of new deed form you want to use. Phone Number: 269-467-5552 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. Ludington, MI 49431 Then, you will have to file a quitclaim deed and then refile another deed to add the new person to the house deed. Copyright 2023 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. 201 W. Kalamazoo Avenue https://oceana.mi.us/departments/register-of-deeds/, Ogemaw County Register of Deeds The short answer: No. Fax Number: 517-546-5966 Box 789 County Courthouse Building Phone Number: 517-546-0270 Joint Tenants with Full Rights of Survivorship. Getting married does not automatically transfer a property to become a tenancy by entirety. My spouse died, how do I remove my spouse's name from my deed? Phone Number: 269-781-0707 Bay City, MI 48708 Property ownership, transfer laws and deed practices differ depending on the state in which you live. Fax Number: 906-337-2253 Fax Number: 734-222-6528 Phone Number: 734-222-6700 You should contact your attorney to obtain advice with respect to any particular issue or problem. Email: registerofdeeds@isabellacounty.org This article helped point the way. It can also affect inheritance rights of heirs and devisees. P.O. This article was written by Jennifer Mueller, JD. 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. https://www.deeds.com/recorder/michigan/alger/, Allegan County Register of Deeds FindLaw: What's the Difference Between Joint Tenants with Survivorship and Tenants in Common? Otherwise, there is a presumption that the ownership interest will be equal. Phone Number: 989-724-9450 1087 Newell St. https://rod-eweb.clinton-county.org/recorder/web/, Crawford County Register of Deeds You'll need to transfer an interest by writing up another deed with the person's name on it. IRS. Fax Number:231-839-3684 Marie, MI 49783 Fax Number: 989-731-7519 Unmarried people can own real estate together in one of two ways: joint tenants with rights of survivorship, or tenants in common. We use cookies to make wikiHow great. 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. http://www.livgov.com/rod/Pages/default.aspx, Luce County Register of Deeds ", a right of survivorship. If you are in one of these situations, you might be wondering how to add someone to your house deed if you live in Michigan. Fax Number: 231-348-1773 Email: register@wexfordcounty.org Phone Number: 810-989-6930 200 Division Street, Suite 150 A Quitclaim Deed is similar to a Grant Deed in that it immediately transfers all of your interest, ownership and right in the property. Thanks to all authors for creating a page that has been read 206,090 times. P.O. Nor can a co-owner simply take away another party's interest in a property by executing a new deed without that other party. Email: register@masoncounty.net Depending on your financial situation, this issue may cause you to reconsider making the addition. Box 355 https://www.co.monroe.mi.us/549/Register-of-Deeds, Montcalm County Register of Deeds Fax Number: 989-846-9166 wikiHow marks an article as reader-approved once it receives enough positive feedback. A deed and a mortgage are two separate things. If you alter the deed so that you and your spouse both own the property, instead of just you, it changes the situation in the eyes of banks, lenders, and the government. Phone Number: 231-256-9682 Phone Number: 586-469-7953 I can now proceed with an easier and, "I asked if I could do this, and I not only got an answer, but also step-by-step instructions. http://www.kalcounty.com/clerk/, Kalkaska County Register of Deeds Get a copy of the title deed from your county clerk's office. Mason, MI 48854 You can add someone to the deed if there is a mortgage, but it will not change who is responsible for the mortgage. You should also purchase title insurance in case there is a lien or other claim on the land that the title search didn't bring up. wikiHow marks an article as reader-approved once it receives enough positive feedback. P.O. Fax Number: 231-258-3345 Box 377 If you do not specify the type of ownership, the ownership will be presumed to be tenancy in common. If you transfer your interest in the property, or a share of it, to someone else without the lender's permission, it may exercise the loan's due-on-sale clause. Misconceptions and Realities It is a misconception that someone can be "removed" from the deed. Fax Number: 313-224-5884 200 Grand River Avenue Fax Number: 989-832-6842 However, not every state has this type of ownership, and the application is different in every state. West Olive, MI 49460 Make sure you select the one that best suits your needs. Issues of marriage and property ownership become complicated when a divorce is involved. MSU Extension. Review your mortgage documents or contact your lender before initiating the process to change your deed. In this case, if one dies, the other automatically becomes the sole owner of the property. In some areas, your spouse also must sign the deed. The most common scenario where you might want to add someone to your deed is if you own a home and you get married. She received her JD from Indiana University Maurer School of Law in 2006. 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. Elle Di Jensen has been a writer and editor since 1990. wikiHow is where trusted research and expert knowledge come together. Fax Number: 231-689-7271 https://www.saginawcounty.com/departments/register-of-deeds/, Sanilac County Register of Deeds "I did not know that my spouse's financial history would have an impact on certain benefits to which I am entitled. Gladwin, MI 48624 Baldwin, MI 49304 Fax: 989-785-8080 Fax Number: 231-398-3544 Feel free to contact us with your questions, concerns or needs by email or by phone at 989-224-5270. Beulah, MI 49617 These materials are intended, but not promised or guaranteed to be current, complete, or up-to-date. If avoiding probate is a priority, an attorney can help you find the best method to add the other person to your house title. You may have to fill out a form to have the deed officially recorded, as well as pay a small fee. 106 5thP.O. Phone Number: 231-627-8808 5095 4th St. Phone Number: 517-437-2231 Fax Number: 906-293-5553 Survivorship (outliving your co-owner) affects more than just the four types of jointly owned property. Phone Number: 906-789-5100 Phone Number: 517-676-7216 Phone Number: 906-635-6312 You're not guaranteeing you have any interest at all, or that you have particular ownership or possession rights. P.O. https://www.gogebiccountymi.gov/government/county_offices/register_of_deeds.php, Grand Traverse County Register of Deeds You can do your title search yourself, or you can order one from the title company that issues your title insurance policy. You die 50 years later, and your spouse decides to sell the house five years after that for $1 million. We recommend that you consult an attorney or real estate professional for assistance in preparing the proper document that will convey the type of interest you want a particular person or entity to have in your property. 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. P.O. Phone Number: 616-994-4510 Information deemed reliable but not guaranteed, you should always confirm this information with the proper agency prior to acting. 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. Accessed April 10, 2020. Your state law may have other specific languages to use. This is also where you specify how the two of you will own the property. Phone Number: 906-293-5521 https://www.manisteecountymi.gov/363/Register-of-Deeds, Marquette County Register of Deeds The answer to the question, "How do you add a joint owner to a property?" Using a quit claim deed is often the simplest method of bringing on another owner. Fax Number: 231-845-7977 P.O. http://www.barrycounty.org/departments_and_officials/officials/register_of_deeds/index.php, Bay County Register of Deeds International Center Box 609 My son has no interest in the property and has his own. Leave the notary section blank. https://alpenacounty.org/register-of-deeds/, Antrim County Register of Deeds St. Johns, MI 48879-1580 % of people told us that this article helped them. If you simply add your child's name to your existing deed, they won't necessarily have rights of survivorship. You'll become joint tenants with rights of survivorship. You may also have to pay a document transfer tax. Box 5 Also, I did not know the deed has to be worded a certain way in order to avoid probate upon my death. 407 West Harrie St. http://recording.crawfordco.org/recorder/web/, Delta County Register of Deeds https://www.mecostacounty.org/government/rod.php, Menominee 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: 231-779-5352 Jackson, MI 49201 Marquette, MI 49855 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. Another common question is, can you add someone to a deed if there is a mortgage? Adding someone to your house deed requires the filing of a legal form known as a quitclaim deed. Hastings, MI, 49058 http://schoolcraftcounty.net/government/elected-officials/clerk-and-register-of-deeds In the cases of tenancy by entirety and joint tenancy, a deed transfer must take place. For example, "Suzy Sunshine and Martin Moon" or "Suzy Sunshine or Martin Moon. Ann Arbor, MI 48107-8645 Adding your spouses name to the deed will expose your property to any judgments against him. Cassopolis, MI 49031 Home. There are 8 references cited in this article, which can be found at the bottom of the page. Flint, MI 48502 Room 136 Phone Number: 989-826-1116 https://presqueislecounty.org/register-of-deeds/, Roscommon County Register of Deeds 1101 Beach Street, Room 138 Joint Tenants. https://montcalm.org/government/register_of_deeds/index.php, Montmorency County Register of Deeds This article has been viewed 206,090 times. Here's a way to pass the interest in your home deed onwhile you're alive. If your goal is to avoid probate, be sure to specify on the form that you're claiming as joint tenants with a right of survivorship. 287 W. Nepessing Street Suite 1 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. Phone Number: 810-667-0211 Articles Real Estate Deeds Made Easy Since 1997. Fax Number: 906-789-5179 400 Elm Street Phone Number: 231-882-0016 To add someone to your house title, you must create a new deed that transfers the title of the property to both you and the other person. http://www.shiawassee.net/ROD/, St. Clair County Register of Deeds P.O. https://wexfordcounty.org/?page_id=488, MI Earned Income Tax Credit, Retirement Tax, and Inflation Relief Initiatives, Collections/Audits/Appeals collapsed link, Notice IIT Return Treatment of Unemployment Compensation, https://dev.michigan.local/som/json?sc_device=json, About the Streamlined Sales and Use Tax Project, Sales, Use, and Withholding Tax Payment Options, Go to Notice IIT Return Treatment of Unemployment Compensation, Taxpayer Rights, Rules, and Responsibilities, Go to Property Tax Forfeiture and Foreclosure, https://www.deeds.com/recorder/michigan/alger/, https://www.allegancounty.org/departments/register-of-deeds, https://alpenacounty.org/register-of-deeds/, https://www.antrimcounty.org/departments___services_/register_of_deeds/index.php, http://www.arenaccountygov.com/register_of_deeds/, https://keweenawbay.org/government/departments/county-clerk-register-of-deeds/, http://www.barrycounty.org/departments_and_officials/officials/register_of_deeds/index.php, http://www.benzieco.net/government/county_register_of_deeds/index.php, https://www.berriencounty.org/296/Register-of-Deeds, https://www.countyofbranch.com/departments/register-of-deeds/, https://www.casscountymi.org/154/Clerk-Register-Office, http://www.charlevoixcounty.org/register_of_deeds/index.php, http://www.cheboygancounty.net/county-clerkregister-of-deeds-11/, https://rod.chippewacountymi.gov/landweb.dll/$/, https://www.clareclerkrod.com/register_of_deeds/index.php, https://rod-eweb.clinton-county.org/recorder/web/, http://recording.crawfordco.org/recorder/web/, https://deltacountymi.org/register-of-deeds/, https://www.dickinsoncountymi.gov/government/county_departments/register_of_deeds/index.php, https://countyfusion3.kofiletech.us/countyweb/login.do?countyname=Eaton, https://www.emmetcounty.org/officials-departments/register-of-deeds/, https://www.geneseecountymi.gov/departments/register_of_deeds/index.php, http://gladwincounty-mi.gov/departments/register-of-deeds/, https://www.gogebiccountymi.gov/government/county_offices/register_of_deeds.php, http://www.co.grand-traverse.mi.us/587/Register-of-Deeds-Office, https://www.gratiotmi.com/239/Register-of-Deeds, https://www.co.hillsdale.mi.us/index.php/tm-gov/tsm-gov-deeds, http://www.houghtoncounty.net/directory-register-of-deeds.php, https://www.co.huron.mi.us/register-of-deeds, http://rd.ingham.org/departments_and_officials/register_of_deeds/index.php, http://www.ioniacounty.org/register-of-deeds/, http://www.iosco.net/departments/register-of-deeds/, https://www.isabellacounty.org/departments/register-of-deeds/, https://www.co.jackson.mi.us/269/Register-of-Deeds, http://www.kalkaskacounty.net/government/register_of_deeds/index.php, https://www.accesskent.com/Departments/RegisterofDeeds/, http://keweenawcountyonline.org/department-clerk.php, http://lakecounty-michigan.com/Courthouse/RegisterofDeeds.aspx, http://lapeercountyweb.org/index.php/departments/register-of-deeds, https://www.leelanau.gov/registerofdeeds.asp, http://www.lenawee.mi.us/259/Register-of-Deeds, http://www.livgov.com/rod/Pages/default.aspx, https://www.lucecountymi.com/register-of-deeds, http://www.mackinaccounty.net/departments/register-of-deeds/, http://clerk.macombgov.org/Clerk-RegisterOfDeeds, https://www.manisteecountymi.gov/363/Register-of-Deeds, https://www.co.marquette.mi.us/departments/register_of_deeds/index.php, http://www.masoncounty.net/departments/register-of-deeds/, https://www.mecostacounty.org/government/rod.php, http://www.menomineecounty.com/departments/?department=4a30b23c515d, https://www.co.midland.mi.us/RegisterofDeeds.aspx, https://www.missaukee.org/departments/clerk___register_of_deeds/index.php, https://www.co.monroe.mi.us/549/Register-of-Deeds, https://montcalm.org/government/register_of_deeds/index.php, https://www.montcounty.org/register-of-deeds.html, https://www.co.muskegon.mi.us/848/Register-of-Deeds, https://www.newaygocountymi.gov/departments/register-of-deeds/home/, http://www.oakgov.com/clerkrod/Pages/default.aspx, https://oceana.mi.us/departments/register-of-deeds/, http://www.countyoffice.org/mi-ontonagon-county-recorder-of-deeds/, http://www.osceola-county.org/residents/county_departments/register_deeds/index.php, https://www.oscodacountymi.com/register-of-deeds/, https://www.otsegocountymi.gov/259/Register-of-Deeds, https://www.miottawa.org/Departments/CountyClerk/ROD/, https://presqueislecounty.org/register-of-deeds/, http://www.roscommoncounty.net/196/Register-of-Deeds, https://www.saginawcounty.com/departments/register-of-deeds/, http://www.sanilaccounty.net/PublicPages/Entity.aspx?ID=220, http://schoolcraftcounty.net/government/elected-officials/clerk-and-register-of-deeds, https://www.stclaircounty.org/offices/register_of_deeds/, https://www.stjosephcountymi.org/government/register-of-deeds, https://www.vanburencountymi.gov/499/Register-of-Deeds, https://www.washtenaw.org/262/Clerk-Register-of-Deeds, http://www.waynecounty.com/deeds/index.htm. If you look at your property tax statement, it should indicate whether you're receiving any property tax exemptions. Accessed April 10, 2020. Harrison, MI 48625 By signing up you are agreeing to receive emails according to our privacy policy. Were committed to providing the world with free how-to resources, and even $1 helps us in our mission. "Frequently Asked Questions on Gift Taxes." Phone Number: 906-643-7306 http://www.menomineecounty.com/departments/?department=4a30b23c515d, Midland County Register of Deeds Quitclaim deeds in Michigan can give the grantee different types of rights. P.O.
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