How Do I Add Someone to My House Deed? | Home Guides | SF Gate They still used my income, but I'm not on the note. Harrisville, MI 48740 Phone Number: 231-873-4158 Fax Number: 989-790-5278 If you want to transfer title to a friend or your child, the same principle applies. Email: register@miottawa.org Lansing, MI 48918-1900 You can also find out by contacting the tax assessor's office in your county. https://www.gogebiccountymi.gov/government/county_offices/register_of_deeds.php, Grand Traverse County Register of Deeds Support wikiHow by If wikiHow has helped you, please consider a small contribution to support us in helping more readers like you. You will have to file a quitclaim deed and then file a new deed with joint ownership. Email: clerk@schoolcraftcounty.us 401 E. Houghton Ave. This article has been viewed 206,090 times. Hillsdale MI 49242 Petoskey, MI 49770 How to Add Names to Michigan Property Deeds | Pocketsense https://www.co.monroe.mi.us/549/Register-of-Deeds, Montcalm County Register of Deeds Alpena, MI 49707 If you do not specify the type of ownership, the ownership will be presumed to be tenancy in common. P.O. Include your email address to get a message when this question is answered. P.O. Get a copy of your current deed and select the type of new deed form you want to use. https://www.co.muskegon.mi.us/848/Register-of-Deeds, Newaygo County Register of Deeds Ithaca, MI 48847 Phone Number: 989-734-2676 What or who is a trustee of a trust? You can't take it back When you add someone to the deed, all or a portion of your ownership is transferred to that person. Once youre sure you want to move forward, decide on what kind of co-ownership you want based on your situation. Laws regarding deed transfer in Michigan also allow joint tenancy, which is joint ownership between multiple owners, such as a group of business partners. Box 438 Include your email address to get a message when this question is answered. Fax Number: 989 - 984-1101 Property tax exemptions mean that you pay lower property taxes, and sometimes no property tax at all. If your goal is to avoid probate, you must specify in the deed that you are claiming as joint tenants with a right of survivorship. That means he could pay substantially more in capital gains taxes than if he acquired the property when you died. https://www.co.huron.mi.us/register-of-deeds, Ingham County Register of Deeds In order to accomplish this, you can't just pen in the name on your deed. Email: jdegraaf@kalkaskacounty.org "Frequently Asked Questions on Gift Taxes." However, not every state has this type of ownership, and the application is different in every state. However, this action can have a financially devastating outcome if you don't prepare in advance. E-mail:clerksoffice@macombgov.org Fax Number: 810-768-7965 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. Email: rod@berriencounty.org Fax Number: 989-734-0506 Instead, you'll create a new deed with a group of owners, perhaps you, your spouse, and your child. https://oceana.mi.us/departments/register-of-deeds/, Ogemaw County Register of Deeds 106 5thP.O. Email: registerofdeeds@emmetcounty.org For example, if you are adding a spouse to your house title, the deed transfer will be exempt from reassessment in many states. 8562 Register of Deeds | Clinton County, MI 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. Suttons Bay, MI 49682-9718 200 North Main St. Suite 110 Enjoy! How to Add Someone to Your Mortgage: 12 Steps (with Pictures) - wikiHow 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. http://www.mackinaccounty.net/departments/register-of-deeds/, Macomb County Register of Deeds [1] Especially with large lenders, it isn't uncommon to get a bill for the balance of the mortgage when the transfer is complete. Public Works . 315 W. Green St. Fax Number: 989-826-1156 unlocking this expert answer. Phone Number: 517-437-2231 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. Joint Tenants with Full Rights of Survivorship. Fax Number: 810-648-5461 The gift tax applies if you transfer ownership of property and receive nothing in return (or receive less than market value for the ownership interest you transferred). wikiHow marks an article as reader-approved once it receives enough positive feedback. Fax Number: 231-258-3345 However, in practice, they may refuse regardless of who you're adding to your house title or why. Fax Number: 906-863-8839 This article was written by Jennifer Mueller, JD. Estate Planning in Michigan Using a Ladybird Deed. Mason, MI 48854 Next, obtain a quitclaim form from the county recorders office where the property is located. The property transfer occurs automatically at the prior owner's death, avoiding probate. In this case, 91% of readers who voted found the article helpful, earning it our reader-approved status. Both her name and my son's name are on the deed. Email: clerk@cheboygancounty.net Phone Number: 989-731-7551 Fax Number: 231-882-0167 Phone Number: 906-337-2229 Phone Number: 616-632.7610 Accessed April 10, 2020. Phone Number: 231-689-7246 Phone Number: 269-467-5552 In the cases of tenancy by entirety and joint tenancy, a deed transfer must take place. Removing Someone from a Real Estate Deed - Deeds.com Michigan Works - Saint Clair. P.O. How Can I Add a Person to My House Deed? | Home Guides | SF Gate Phone Number: 517-322-1144, Shiawassee County Register of Deeds You may also have to pay a document transfer tax. 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. His capital gain would be $900,000. P.O. Take the deed to your county recorder's office to have it notarized and recorded. 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. https://www.stclaircounty.org/offices/register_of_deeds/, St. Joseph County Register of Deeds P.O. Sacramento County Public Law Library. Last Updated: February 22, 2023 To add a joint owner to your property dead, you'll first need to check your loan documents or call your lender to determine responsibilities and policies. List of County Register of Deeds . 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. A Quitclaim Deed is similar to a Grant Deed in that it immediately transfers all of your interest, ownership and right in the property. Fax: 231-922-2770 200 E Grand River Transferring ownership of a house also means your property will likely be reassessed for tax purposes. Pleasant, MI 48858 Box 110 FAQs | Register of Deeds - Wayne County, Michigan Fax Number: 734-240-7395 http://recording.crawfordco.org/recorder/web/, Delta County Register of Deeds Phone Number: 231-745-4641 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. You'll need to transfer an interest by writing up another deed with the person's name on it. Michigan Real Estate Basics: Title to Real Property Box 609 Fax Number: 989-344-3223 Phone Number: 989-426-7551 Michigan has a practice known as "tenancy by entireties." Keep in mind that you may lose property tax exemptions or be charged gift taxes for adding someone to your title. http://www.baycounty-mi.gov/rod/, Benzie County Register of Deeds 701 Main Street Secretary of State 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. Stanton, MI 48888 This article taught me things I did not know. Flint, MI 48502 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: 989-275-8640 http://www.tuscolacounty.org/rod/, Van Buren County Register of Deeds Fax Number: 906-643-1178 There are two ways to get a deed. P.O. Box 718 County Building how to add someone to a deed in michigan. Box 367 https://www.deeds.com/recorder/michigan/alger/, Allegan County Register of Deeds 234 W. Baraga Avenue She received her JD from Indiana University Maurer School of Law in 2006. 400 Elm Street Jensen attended Idaho and Boise State Universities. Phone Number: 269-781-0707 Strike a line through any verbiage on the deed that does not apply to your circumstances. This is a valid reason to have an attorney review a deed before you sign it and have it recorded. 287 W. Nepessing Street Suite 1 839 10th Avenue https://www.lucecountymi.com/register-of-deeds, Mackinac County Register of Deeds 211 W. Main St. Adding your spouses name to the deed will expose your property to any judgments against him. MCL 565.8. https://www.berriencounty.org/296/Register-of-Deeds, Branch County Register of Deeds Last Updated: June 3, 2020 Fax Number: 269-982-8659 605 N. Birch St. 806 W. Houghton Avenue, Room 104 Box 5 Box 70 200 Grand River Avenue Midland, MI 48640 515 Center Avenue Suite 102 Harrison, MI 48625 For example, if you have a property tax exemption because you are over 65, you would lose that exemption if you added your daughter to your house title. 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. Fax number: 906-663-4660 You'll become joint tenants with rights of survivorship. It's revocable. wikiHow marks an article as reader-approved once it receives enough positive feedback. Tenancy by the entirety is only available for married couples and is not recognized in some states. Fax Number: 810-667-0293 http://www.shiawassee.net/ROD/, St. Clair County Register of Deeds How to remove someone's name from a property deed - Finder If you add your spouse to your deed, he will have to use your basis if he later sells the property. Phone Number: 906-387-2076 Phone Number: 269-657-8242 Phone Number: 989-348-2841 Caro, MI 48723 We do not have any blank deed forms available in our office. Some transfers are excluded from reassessment. 100 Marley Street Once you've signed the deed, take it to the recorder's office where you got the copy of your old deed. Phone Number: 989-826-1116 By signing up you are agreeing to receive emails according to our privacy policy. Generally speaking, adding another owner only makes the probate process more complicated. Accessed April 10, 2020. Email: registerofdeeds@isabellacounty.org Phone Number: 734-240-7390 How to Add Someone to Your House Title - wikiHow Phone Number: 231-779-9455 St. Ignace, MI 49781 To learn more about tax liability associated with adding your spouse to a deed, read on! P.O. "What Is Joint Tenancy and When Should I Use It?" http://www.charlevoixcounty.org/register_of_deeds/index.php, Cheboygan County Register of Deeds Saginaw, MI 48602 Choose separate interests if you want one owner to be able to sell their interest in the property without consulting the other owner. Note: A deed is an instrument used to transfer ownership (title) to another person. http://www.benzieco.net/government/county_register_of_deeds/index.php, Berrien County Register of Deeds Bay City, MI 48708 Suite M-3 101 Court Street https://www.oscodacountymi.com/register-of-deeds/, Otsego County Register of Deeds 200 N. Moore Street 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. P.O. Phone Number: 989-672-3840 These companies will charge significantly more money than you would pay if you got a copy directly from the recorder's office. 698 Phone Number: 269-445-4464 PDF Transfer of Ownership Guidelines PREPARED BY THE MICHIGAN STATE - SOM 111 S. Michigan Avenue One of the most common incorrect assumptions in real estate is that someone can be added to a deed. https://rod-eweb.clinton-county.org/recorder/web/, Crawford County Register of Deeds Hart, MI 49420 Or, it could be that you want the ownership of your property to go to your child in the event of your death. https://montcalm.org/government/register_of_deeds/index.php, Montmorency County Register of Deeds 208 N. Shiawassee Street https://deltacountymi.org/register-of-deeds/, Dickinson County Register of Deeds Information deemed reliable but not guaranteed, you should always confirm this information with the proper agency prior to acting. Suite 301 http://www.cheboygancounty.net/county-clerkregister-of-deeds-11/, Chippewa County Register of Deeds Fax Number: 989-953-7219 Phone Number: 231-922-4753 In some areas, your spouse also must sign the deed. https://www.missaukee.org/departments/clerk___register_of_deeds/index.php, Monroe County Register of Deeds Phone Number: 906-293-5521 Eagle River, MI 49950 How you add the person to your title affects whether the surviving owner must go through probate. Tawas City, MI 48764 If your mortgage contains a due upon sale clause, talk to your lender about adding someone to your deed. Maybe you just got married and would like your new spouse listed as part owner of your home. 33 McCollum Street Corunna, MI 48817 "Gave me the clear directions I needed and informed me that what I really want to do, claiming as joint tenants with, "I was so happy to find this article, it answered all my questions! One of the most common incorrect assumptions in real estate is that someone can be added to a deed. Please Note: The Register of Deeds Office does not prepare or change documents and cannot provide legal assistance. Fax Number 989-539-6616 Phone Number: 989-224-5270 Phone Number: 269-383-8970 Phone Number: 810-989-6930 I want to sell it, but have back taxes. Munising, MI 48962 Some states have a specific deed-holding status: Tenants in the entirety. The web Browser you are currently using is unsupported, and some features of this site may not work as intended. Elle Di Jensen has been a writer and editor since 1990. Clerk - ROD - FAQ | Macomb County 60 W. Sanilac 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. Phone Number: 906-341-3618 400 Boardman Phone Number: 517-543-4203 Email: register@wexfordcounty.org 23 E. Pearl Street The deed must be notarized. Before you add someone to your house title, consider consulting an attorney to better understand the legal and financial repercussions of doing so. 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. If the value of the gift exceeds the annual exclusion limit ($16,000 for 2022) the donor will need to file a gift tax return (via Form 709) to report the transfer. P.O. https://www.stjosephcountymi.org/government/register-of-deeds, Tuscola 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. 720 W. Chisholm Street Research source. Complete, review and sign the quitclaim or warranty form. Phone Number: 517-264-4538 In Michigan, a person must live more than 120 hours after their co-owner dies for the survivorship rights to take effect. Accessed April 10, 2020. These materials are intended, but not promised or guaranteed to be current, complete, or up-to-date. Each type of ownership carries unique characteristics, and factors such as financial ability, family relations and marital . Email: rdeeds@gogebic.org Ste. Fax Number: 231-533-8317 Phone Number: 231-724-6271 Phone Number: 231-882-0016 Phone Number: 906-225-8415 This is also where you specify how the two of you will own the property. 220 W. Ellsworth Street Muskegon, MI 49442 Paw Paw, Michigan 49079 Lapeer, MI 48446 To learn more about tax liability associated with adding your spouse to a deed, read on! We use cookies to make wikiHow great. Misconceptions and Realities It is a misconception that someone can be "removed" from the deed. Also specify the type of ownership each party will have. Unless you know real estate and property records fairly well, it's usually safer to let the title company do it. 1087 Newell St. Charlotte, MI 48813 My spouse died, how do I remove my spouse's name from my deed? 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. MCL 565.221. http://www.co.grand-traverse.mi.us/587/Register-of-Deeds-Office, Gratiot County Register of Deeds https://www.allegancounty.org/departments/register-of-deeds, Alpena County Register of Deeds http://www.ioniacounty.org/register-of-deeds/, Iosco County Register of Deeds Evaluating Financial and Legal Consequences, {"smallUrl":"https:\/\/www.wikihow.com\/images\/thumb\/3\/3e\/Add-Someone-to-Your-House-Title-Step-1.jpg\/v4-460px-Add-Someone-to-Your-House-Title-Step-1.jpg","bigUrl":"\/images\/thumb\/3\/3e\/Add-Someone-to-Your-House-Title-Step-1.jpg\/aid9653557-v4-728px-Add-Someone-to-Your-House-Title-Step-1.jpg","smallWidth":460,"smallHeight":345,"bigWidth":728,"bigHeight":546,"licensing":"