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. One of the most common incorrect assumptions in real estate is that someone can be added to a deed. Mortgage and Deed to House Support wikiHow by We use cookies to make wikiHow great. Phone Number: 906-875-3321 Caro, MI 48723 Then, sign the completed form in the presence of a notary before submitting it to the recorders office! In Michigan, a person must live more than 120 hours after their co-owner dies for the survivorship rights to take effect. 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. 806 W. Houghton Avenue, Room 104 In this case, if one dies, the other automatically becomes the sole owner of the property. Note that banks are often trustees. 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. Email: register@miottawa.org 205 E. 11th St. Phone Number: 231-258-3315 https://www.stclaircounty.org/offices/register_of_deeds/, St. Joseph County Register of Deeds When you use a quitclaim deed, you're only transferring any ownership interest you have. Email: rdeeds@gogebic.org Property ownership, transfer laws and deed practices differ depending on the state in which you live. Adding Someone to Your Real Estate Deed? Know the Risks. You can also find out by contacting the tax assessor's office in your county. http://www.roscommoncounty.net/196/Register-of-Deeds, Saginaw County Register of Deeds https://www.oscodacountymi.com/register-of-deeds/, Otsego County Register of Deeds https://www.co.jackson.mi.us/269/Register-of-Deeds, Kalamazoo County Register of Deeds In some areas, your spouse also must sign the deed. Fax Number: 269-445-4453 P.O. https://presqueislecounty.org/register-of-deeds/, Roscommon County Register of Deeds You die 50 years later, and your spouse decides to sell the house five years after that for $1 million. Box 269 A deed and a mortgage are two separate things. How to transfer property titles in Michigan becomes complicated in these cases because each owner only owns a portion of the property. Box 376 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. https://www.isabellacounty.org/departments/register-of-deeds/, Jackson County Register of Deeds Thanks to all authors for creating a page that has been read 206,090 times. Obtain the necessary consents from lenders and . It can also affect inheritance rights of heirs and devisees. June 14, 2022. how to add someone to a deed in michigan. Become familiar with your spouses financial history before you decide to add his name to your deed. Phone Number: 989-785-8079 Grand Rapids, MI 49503 Suite 105 However, if you transferred the property to your spouse at your death, for example through a transfer-on-death deed, his capital gains basis would be the fair market value of the house when he acquired it. P.O. 319 Court Street Phone Number: 517-322-1144, Shiawassee County Register of Deeds "Joint Tenancy and Medicaid Eligibility." Warranty deeds come with some type of . Phone Number: 269-445-4464 There are exceptions, such as if the other person is not paying you any money to be added to the deed. 1200 N. Telegraph P.O. For example, if you owned an 80 percent interest and your sister a 20 percent interest, your sister could only take out a mortgage for 20 percent of the value of the property. 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. 151 E. Huron Street If someone's name is on the mortgage and not the deed, only the person whose name is on the mortgage will be responsible for making payments. Fax Number: 989-743-2459 http://www.menomineecounty.com/departments/?department=4a30b23c515d, Midland County Register of Deeds They still used my income, but I'm not on the note. Clemens, MI 48043 Phone Number: 989-269-9941 P.O. 211 W. Main St. It doesn't matter whether money was exchanged or not. Adrian, MI 49221 Were committed to providing the world with free how-to resources, and even $1 helps us in our mission. http://www.countyoffice.org/mi-ontonagon-county-recorder-of-deeds/, Osceola County Register of Deeds 407 West Harrie St. You should contact your attorney to obtain advice with respect to any particular issue or problem. If wikiHow has helped you, please consider a small contribution to support us in helping more readers like you. Fax Number: 231-237-0106 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 recorder's office. Phone Number: 231-843-4466 Instead, you'll create a new deed with a group of owners, perhaps you, your spouse, and your child. Phone Number: 269-781-0707 Phone Number: 989-348-2841 A Michigan deed is a legal document used to convey property from an owner to a purchaser in Michigan. Fax Number:517-264-4543 Lenawee County Courthouse 400 Monroe, 7th Floor 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. Houghton, MI 49931 Fax Number: 989-832-6842 415 Third Street If you look at your property tax statement, it should indicate whether you're receiving any property tax exemptions. Phone Number: 616-632.7610 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. http://lakecounty-michigan.com/Courthouse/RegisterofDeeds.aspx, Lapeer County Register of Deeds Phone Number: 989-826-1116 IRS. Hart, MI 49420 Strike a line through any verbiage on the deed that does not apply to your circumstances. 500 Lake St. 5095 4th St. She received her JD from Indiana University Maurer School of Law in 2006. Public Works . Suite M-3 P.O. Before you add someone to your house title, consider consulting an attorney to better understand the legal and financial repercussions of doing so. If your lender agrees not to enforce the clause, get the agreement in writing. Laws regarding deed transfer in Michigan also allow joint tenancy, which is joint ownership between multiple owners, such as a group of business partners. Then, you will have to file a quitclaim deed and then refile another deed to add the new person to the house deed. Michigan Works - Saint Clair. Fax Number: 906-337-2253 Some transfers are excluded from reassessment. The deed must list the name and business address of the person that prepared the deed. 100 N. State Street Property tax exemptions mean that you pay lower property taxes, and sometimes no property tax at all. Part 1 Understanding How It Works Download Article 1 Contact your lender. Accessed April 10, 2020. https://www.casscountymi.org/154/Clerk-Register-Office, Charlevoix County Register of Deeds Step 1: Download the MI quitclaim deed form. Using a quit claim deed is often the simplest method of bringing on another owner. how to add someone to a deed in michigan? - Eco Canna Biz Fax Number: 231-689-7271 Possibly enlisting the help of an attorney, you will prepare the new deed that lists the joint owner and mentions ownership interest, and then take it to get recorded at the county recorder's office. How Do I Add Another Person to My House Deed? - The Nest Phone Number: 989-672-3840 This article has been viewed 636,176 times. You might want your spouse to automatically be able to retain ownership of the property if you should become deceased. Include your email address to get a message when this question is answered. 173 East Apple Avenue Fax Number: 734-240-7395 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. 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. When executed and notarized, the quitclaim deed legally overrides the current deed to. The steps to add a person to a property deed as joint owner are the same if you own your home outright -- except you bypass the step that deals with reviewing your mortgage and contacting your lender. Be aware that adding a person to your deed can cause you to lose property tax exemptions, based on how the deed is worded. http://www.benzieco.net/government/county_register_of_deeds/index.php, Berrien County Register of Deeds County Government Building 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. Michigan Lady Bird Deed Form | Enhanced Life Estate Deed - DeedClaim Copyright 2023 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. how to add someone to a deed in michigan - regina-ostrovsky.com Fax Number: 517-676-7287 Fax Number: 989-345-6221 Please Note: The Register of Deeds Office does not prepare or change documents and cannot provide legal assistance. 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. Detroit, MI 48226 Leave the notary section blank. The easiest and most common way to do this is with a quitclaim deed and the refiling of a new deed with joint ownership. Email: register@wexfordcounty.org Phone Number: 734-240-7390 200 N. Main Street "Keeping Your House Out of Probate." Fax Number: 231-533-8317 448 Court Place Sacramento County Public Law Library. You may have to fill out a form to have the deed officially recorded, as well as pay a small fee. County Courthouse Building https://www.co.marquette.mi.us/departments/register_of_deeds/index.php, Mason County Register of Deeds . 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. Fax Number:231-839-3684 https://www.emmetcounty.org/officials-departments/register-of-deeds/, Genesee County Register of Deeds 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. Take the new deed to the county recorder's office. Fill in the recording information. http://www.tuscolacounty.org/rod/, Van Buren County Register of Deeds My son has no interest in the property and has his own. PDF Transfer of Ownership Guidelines PREPARED BY THE MICHIGAN STATE - SOM ", You must use specific language in your deed to create a joint tenancy. Email: clerk@cheboygancounty.net 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. Fax Number: 906-524-6432 Use a typewriter or computer printer when filling in the information on the deed to ensure it is legible. Gaylord, MI 49735 Phone Number: 231-256-9682 The most common way to remove someone from a deed is through a deed of conveyance, such as a quitclaim or warranty deed. Fax: 877-443-9505 Munising, MI 48962 One of the most common incorrect assumptions in real estate is that someone can be added to a deed. However, this action can have a financially devastating outcome if you don't prepare in advance. https://www.co.huron.mi.us/register-of-deeds, Ingham County Register of Deeds : 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. P.O. 301 State Street If the current owner received title insurance on the property when they came into possession, they may want to contact the company that wrote the policy to make sure that a deed will not affect the policy. 315 W. Green St. There are 8 references cited in this article, which can be found at the bottom of the page. 60 W. Sanilac Phone Number: 616-527-5320 https://countyfusion3.kofiletech.us/countyweb/login.do?countyname=Eaton, Emmet County Register of Deeds Next, obtain a quitclaim form from the county recorders office where the property is located. Fax Number: 906-387-2156 Phone Number: 906-667-0381 720 W. Chisholm Street There are four common ways to hold title to real estate in Michigan: Tenants in Common. Fax Number: 989-895-4296 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. 101 Court Street "Estate Tax." Record the TOD with your county recorder of deeds, and rest assured that your loved one automatically owns your house when you have passed. 200 North Main St. Suite 110 Pontiac, MI 48341-0480 Accessed April 10, 2020. https://www.leelanau.gov/registerofdeeds.asp, Lenawee County Register of Deeds This is also where you specify how the two of you will own the property. Bad Axe, MI 48413 https://oceana.mi.us/departments/register-of-deeds/, Ogemaw County Register of Deeds 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. https://www.miottawa.org/Departments/CountyClerk/ROD/, Presque Isle County Register of Deeds Include your name and the name of the person you want to add to your house title. Phone Number: 810-989-6930 This is a law that allows a husband and wife to hold a piece of property as if they were a single entity. Traverse City, MI 49684 Phone Number: 989-354-9547 Phone Number: 517-279-4320 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. 100 Marley Street Phone Number: 231-724-6271 "Frequently Asked Questions on Gift Taxes." It doesn't matter whether you intended it to be a gift or not. My spouse died, how do I remove my spouse's name from my deed? Fax Number: 810-985-4795 http://www.arenaccountygov.com/register_of_deeds/, Baraga County Register of Deeds Thank you. 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. You'll become joint tenants with rights of survivorship. Box 303 By filing the quitclaim deed, you can add someone to the title of your home, in effect transferring a share of ownership. Transferring ownership of a house also means your property will likely be reassessed for tax purposes. The state will then make a copy of the deed, add their name to the deed, and send the new owner or person the original deed. 200 W. Michigan Government Center Fax Number: 989-275-8640 http://www.iosco.net/departments/register-of-deeds/, Iron County Register of Deeds 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. You may also have to pay a document transfer tax. Alpena, MI 49707 http://recording.crawfordco.org/recorder/web/, Delta County Register of Deeds 400 Boardman You're not guaranteeing you have any interest at all, or that you have particular ownership or possession rights. https://www.geneseecountymi.gov/departments/register_of_deeds/index.php, Gladwin County Register of Deeds How to Add a New Owner to the Title Deed to Real Estate - DeedClaim Also specify the type of ownership each party will have. 301 N. Main St. http://alconacountymi.com/?page_id=390, Alger County Register of Deeds Fax Number: 231-258-3345 Joint Tenants with Full Rights of Survivorship. Box 355 P.O. http://lapeercountyweb.org/index.php/departments/register-of-deeds, Leelanau County Register of Deeds 870 S. Main http://clerk.macombgov.org/Clerk-RegisterOfDeeds, Manistee County Register of Deeds Some financial institutions give consent, allowing you to add another person to your property deed without requiring you pay off your loan. 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 1045 Independence Blvd. Box 538 Box 789 Box 885 Ionia, MI 48846 Email: mmerchant@gratiotmi.com Phone Number: 437 E. Division Kalamazoo, MI 49007 Unmarried people can own real estate together in one of two ways: joint tenants with rights of survivorship, or tenants in common. Phone Number: 906-524-6100, ext. 51 S Macomb St As a small thank you, wed like to offer you a $30 gift card (valid at GoNift.com). 120 W. Michigan Avenue If you do not specify the type of ownership, the ownership will be presumed to be tenancy in common. With a grant deed, you are making a promise that you are the current owner of the property and that there aren't any liens, mortgages, or other claims to the property that you haven't disclosed. Fill out the form and sign it before a notary to make the transfer legal. how to add someone to a deed in michigan - boomermna.com ", https://www.consumer-action.org/english/articles/before_you_add_someone_to_your_title2006/, https://www.irs.gov/businesses/small-businesses-self-employed/gift-tax, https://www.irs.gov/businesses/small-businesses-self-employed/frequently-asked-questions-on-gift-taxes, https://saclaw.org/wp-content/uploads/sbs-completing-and-recording-deeds.pdf, https://www.americanbar.org/content/dam/aba/publishing/rpte_ereport/2015/2-March/enforceability_of_mortgage.authcheckdam.pdf, https://www.extension.iastate.edu/agdm/wholefarm/html/c4-51.html, http://realestate.findlaw.com/buying-a-home/do-you-need-title-insurance.html. Elle Di Jensen has been a writer and editor since 1990. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. Phone Number: 989-790-5270 120 N. Broadway 33 McCollum Street Grayling, MI 49738 The answer to the question, "How do you add a joint owner to a property?" One thing to be careful of in this situation is title insurance coverage. 300 Monroe Avenue, NW Ann Arbor, MI 48107-8645 Fax Number: 906-225-8420 Allegan, MI 49010 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.