St. Johns, MI 48879-1580 In short, no one can be passively removed from a title. how to add someone to a deed in michigan . 287 W. Nepessing Street Suite 1 Phone Number: 269-781-0707 A Michigan deed is a legal document used to convey property from an owner to a purchaser in Michigan. 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. Manistique, MI 49854 Step 1: Download the MI quitclaim deed form. How do we add my name to note? 100 N. State Street Also specify the type of ownership each party will have. The current owner the person giving away their rights to the property would be the grantor in the quit claim deed. Misconceptions and Realities It is a misconception that someone can be "removed" from the deed. Fax Number: 517-546-5966 Fax Number: 231-348-1773 https://www.co.jackson.mi.us/269/Register-of-Deeds, Kalamazoo County Register of Deeds If you are adding a spouse or a child to your house title, the transfer typically will be excluded from reassessment. 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. https://www.ocmi.us/register-of-deeds/, Ontonagon County Register of Deeds This article helped point the way. Standish, MI 48658 Box 399 http://www.houghtoncounty.net/directory-register-of-deeds.php, Huron County Register of Deeds One thing to be careful of in this situation is title insurance coverage. 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. 400 Elm Street You, as the "grantor" -- the property owner -- make out a deed conveying title to two "grantees," yourself and your partner. Gaylord, MI 49735 http://www.arenaccountygov.com/register_of_deeds/, Baraga County Register of Deeds 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. When you add a person to your deed, you're essentially giving them a gift of a percentage of your property. 8527 E. Government Center Drive Phone Number: 734-222-6700 Keep in mind that you may lose property tax exemptions or be charged gift taxes for adding someone to your title. http://www.tuscolacounty.org/rod/, Van Buren County Register of Deeds 407 West Harrie St. Box 367 205 E. 11th St. The best advice is to consult an attorney who specializes in these issues regarding the specifics of your situation. Strike a line through any verbiage on the deed that does not apply to your circumstances. Menominee, MI 49858 1. Accessed April 10, 2020. https://www.dickinsoncountymi.gov/government/county_departments/register_of_deeds/index.php, Eaton County Register of Deeds Accessed April 10, 2020. Your county recorders office will have a list of ways to claim property. 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. There are 8 references cited in this article, which can be found at the bottom of the page. 111 South Canal Street https://www.accesskent.com/Departments/RegisterofDeeds/, Keweenaw County Register of Deeds You will have to file a quitclaim deed and then file a new deed with joint ownership. Fax Number:231-839-3684 800 10th Street, Suite 200 Transferring ownership of a house also means your property will likely be reassessed for tax purposes. 415 Third Street Escanaba, MI 49829 https://www.allegancounty.org/departments/register-of-deeds, Alpena County Register of Deeds Public Works . There's no harm in asking your bank or mortgage company if you can simply add a person to your mortgage. 125 W. Main St. Phone Number: 231-627-8808 Fax Number: 231-873-9218 wikiHow is where trusted research and expert knowledge come together. http://clerk.macombgov.org/Clerk-RegisterOfDeeds, Manistee County Register of Deeds The transfer of ownership can occur during life (with a regular quitclaim deed, for example) or at death (using a lady bird deed, transfer-on-death-deed, or life estate deed).And, in the case of transfer-on-death or lady bird deeds, the . Adding someone to your deed means that you have transferred part of your property ownership or the whole property for that matter. 701 Main Street 255 W. Main Street Returning to the $100,000, suppose you create a TOD deed for your spouse. International Center https://www.lucecountymi.com/register-of-deeds, Mackinac County Register of Deeds "Avoiding Probate With a Transfer-on-Death Deed." You also may have to pay any property taxes that have been reassessed as a result of the change in ownership. http://schoolcraftcounty.net/government/elected-officials/clerk-and-register-of-deeds Copyright 2023 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. However, in practice, they may refuse regardless of who you're adding to your house title or why. You can buy one of these policies by paying a one-time fee, which typically is relatively low. Marshall, MI 49068 125 W. Lincoln St. You will have to file a quitclaim deed and then file a new deed with joint ownership. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. Estate Planning in Michigan Using a Ladybird Deed. Accessed April 10, 2020. 234 W. Baraga Avenue Phone Number: 989-317-4089 Sandusky, MI 48471 "The Trade-Offs of Repealing Step-Up in Basis." Hastings, MI, 49058 A Michigan lady bird deed form allows a person to retain control over Michigan real estate during his or her life and automatically transfer the real estate at his or her death. Adding someone to your house deed requires the filing of a legal form known as a quitclaim deed. It doesn't matter whether you intended it to be a gift or not. Petoskey, MI 49770 Elle Di Jensen has been a writer and editor since 1990. Phone Number: 906-774-0955 By filing the quitclaim deed, you can add someone to the title of your home, in effect transferring a share of ownership. Port Huron, MI 48060 Fax Number: 906-293-5553 . P.O. Email: clerk@cheboygancounty.net Phone Number: 231-592-0148 In this case, 86% of readers who voted found the article helpful, earning it our reader-approved status. Alpena, MI 49707 Mt. Secretary of State 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: 810-257-3060 Fax Number: 269-982-8659 P.O. Rogers City, MI 49779 Phone Number: 269-945-1289 How to transfer property titles in Michigan becomes complicated in these cases because each owner only owns a portion of the property. Phone Number: 810-667-0211 County Courthouse Building 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.". 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. Phone Number: 989-831-7337 Jensen attended Idaho and Boise State Universities. 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. Coldwater, MI 49036 Eagle River, MI 49950 Without reading this article, I would have pursued a different route. Fax Number: 989-269-8786 33 McCollum Street That means he could pay substantially more in capital gains taxes than if he acquired the property when you died. 301 N. Main St. https://www.newaygocountymi.gov/departments/register-of-deeds/home/, Oakland County Register of Deeds Home. 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: 810-768-7965 This is also where you specify how the two of you will own the property. "Estate Tax." West Branch, MI 48661 Pleasant, MI 48858 Phone Number: 810-989-6930 Fax Number: 906-337-2253 Phone Number: 989-362-2021 wikiHow marks an article as reader-approved once it receives enough positive feedback. https://www.co.marquette.mi.us/departments/register_of_deeds/index.php, Mason County Register of Deeds 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. Email: ROD@ioscocounty.org Lake City, MI 49651 120 N. Broadway 60 W. Sanilac The American College of Trust and Estate Counsel. 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. Phone Number: 231-779-9455 120 W. Michigan Avenue She has an extended family of pets, including special needs animals. Civil Rights, Inclusion & Opportunity Department. 120 North Main To avoid probate, you must choose an ownership relationship that includes a right of survivorship. 5095 4th St. To add a spouse to a deed, start by reading over your mortgage carefully with your spouse. Box 8645 Owners with separate interests won't have a right to survivorship of the other owner's interest. 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. Phone Number: 906-667-0381 Box 885 Phone Number: 616-632.7610 Flint, MI 48502 A transfer on death (TOD) deed. You may also have to pay a document transfer tax. If one of the spouses already has someone they want to add to the property, it is best not to bring this into the picture during the divorce proceedings. http://www.ioniacounty.org/register-of-deeds/, Iosco County Register of Deeds Fax Number: 269-445-4453 https://www.deeds.com/recorder/michigan/alger/, Allegan County Register of Deeds Fax number: 906-663-4660 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. Buildings, Safety Engineering and Environmental Department. If you simply add your child's name to your existing deed, they won't necessarily have rights of survivorship. 7064 Crowner Drive Fax Number: 231-779-5352 Tax Foundation. [1] The deed must list the name and business address of the person that prepared the deed. 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. However, not every state has this type of ownership, and the application is different in every state. Some common exemptions include homestead exemptions or exemptions for people over the age of 65. http://www.barrycounty.org/departments_and_officials/officials/register_of_deeds/index.php, Bay County Register of Deeds http://www.kalkaskacounty.net/government/register_of_deeds/index.php, Kent County Register of Deeds Get a copy of the title deed from your county clerk's office. In order to accomplish this, you can't just pen in the name on your deed. wikiHow is where trusted research and expert knowledge come together. 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. 200 Division Street, Suite 150 Depending on how you claim the property, you may also need a spousal affidavit. 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. P.O. P.O. Become familiar with your spouses financial history before you decide to add his name to your deed. These exemptions vary among states. The notary will charge a small fee to witness your signature and notarize your deed, typically less than $10. Fax Number: 989-953-7219 ", a right of survivorship. Please update to a modern browser such as Chrome, Firefox or Edge to experience all features Michigan.gov has to offer. Phone Number: 989-724-9450 605 N. Birch St. 448 Court Place If you own your own home, you may decide that you want to add someone, such as a new spouse or an adult child, to your house title. This article has been viewed 206,090 times. Even if the person you're adding doesn't give you money for ownership in your property, the lender still may view the transfer of ownership as a sale and can demand payment in full. June 14, 2022. Newberry, MI 49868 If you want to transfer title to a friend or your child, the same principle applies. "I live in a home purchased 10 years ago by my now-deceased mom. Include your email address to get a message when this question is answered. Phone Number: 989-731-7551 To continue the previous example, suppose you added your spouse to the deed for the house you bought for $100,000. You're not guaranteeing you have any interest at all, or that you have particular ownership or possession rights. L'Anse, MI 49946 Fax Number: 231-398-3544 What form do I need in order to change my last name on the deed to my new married name? Fax Number: 231-533-8317 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: 269-467-5552 Accessed April 10, 2020. How do I add someone to my deed? Last Updated: June 3, 2020 P.O. Each type of ownership carries unique characteristics, and factors such as financial ability, family relations and marital . Use it to try out great new products and services nationwide without paying full pricewine, food delivery, clothing and more. P.O. You want to transfer the property from yourself to your spouse and yourself, making the two of you joint owners. Stanton, MI 48888 Fax Number: 313-224-5884 were I to add him to my deed. One of the most common questions about deeds is: Can a person's name be on a deed without being on the mortgage? Information deemed reliable but not guaranteed, you should always confirm this information with the proper agency prior to acting. Tenants by the Entirety. By signing up you are agreeing to receive emails according to our privacy policy. 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.". "Keeping Your House Out of Probate." Go back to your county recorders office to get the deed recorded so it becomes part of the official property record. Kalkaska, MI 49646 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 Building 12 East 319 Court Street If you look at your property tax statement, it should indicate whether you're receiving any property tax exemptions. The short answer: No. "What Is Joint Tenancy and When Should I Use It?" Court House About the Author. These materials are intended, but not promised or guaranteed to be current, complete, or up-to-date. http://lakecounty-michigan.com/Courthouse/RegisterofDeeds.aspx, Lapeer County Register of Deeds Midland, MI 48640 P.O. Phone Number: 906-884-4255 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: 616-994-4521 https://deltacountymi.org/register-of-deeds/, Dickinson County Register of Deeds 51 S Macomb St 200 E Grand River You might want your spouse to automatically be able to retain ownership of the property if you should become deceased. Phone Number: 517-264-4538 http://www.waynecounty.com/deeds/index.htm, Wexford County Register of Deeds First, you should discuss the property interests with any co-owners, then go through the process of completing and submitting either a quitclaim or warranty deed form. 103 Fax Number:517-264-4543 Getting married does not automatically transfer a property to become a tenancy by entirety. http://keweenawcountyonline.org/department-clerk.php, Lake County Register of Deeds MCL 565.221. Adrian, MI 49221 Phone Number: 517-279-4320 Phone Number: 989-354-9547 Some financial institutions give consent, allowing you to add another person to your property deed without requiring you pay off your loan. Depending on your financial situation, this issue may cause you to reconsider making the addition. 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