We do not have any blank deed forms available in our office. The deed must list the name and business address of the person that prepared the deed. These fees usually won't be more than $20. For example, if you are adding a spouse to your house title, the deed transfer will be exempt from reassessment in many states. Phone Number: 906-667-0381 Unless you know real estate and property records fairly well, it's usually safer to let the title company do it. 125 W. Main St. Fax: 877-443-9505 http://www.co.calhoun.mi.us/, Cass County Register of Deeds http://recording.crawfordco.org/recorder/web/, Delta County Register of Deeds Phone Number: 517-279-4320 If you do not specify the type of ownership, the ownership will be presumed to be tenancy in common. 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). Bessemer, MI 49911 Another common question is, can you add someone to a deed if there is a mortgage? Mortgage and Deed to House Include your name and the name of the person you want to add to your house title. There's no harm in asking your bank or mortgage company if you can simply add a person to your mortgage. Fax Number: 989-734-0506 https://www.co.midland.mi.us/RegisterofDeeds.aspx, Missaukee County Register of Deeds Email: jdegraaf@kalkaskacounty.org Phone Number: 989-875-5217 Phone Number: 810-648-2313 Fax Number: 989-731-7519 Next, obtain a quitclaim form from the county recorders office where the property is located. Phone Number: 269-945-1289 You might want your spouse to automatically be able to retain ownership of the property if you should become deceased. Fax Number 989-539-6616 This might not be an option if one of the owners does not have good credit. "Frequently Asked Questions on Gift Taxes." https://rod-eweb.clinton-county.org/recorder/web/, Crawford County Register of Deeds Phone Number: 906-341-3618 Box 168 Approved. This article helped point the way. Phone Number: 989-826-1116 220 W. State St. Room 102 Obtain a blank quit claim deed form from an office supply store, attorney or title company. 51 S Macomb St P.O. 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. Articles Real Estate Deeds Made Easy Since 1997. The easiest and most common way to do this is with a quitclaim deed and the refiling of a new deed with joint ownership. https://www.co.monroe.mi.us/549/Register-of-Deeds, Montcalm County Register of Deeds Copyright 2023 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. Charlotte, MI 48813 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. Fax Number: 989-344-3223 wikiHow marks an article as reader-approved once it receives enough positive feedback. As long as you retain interest in the home, its still going to go through probate. Detroit, MI 48226 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. To avoid probate, you must choose an ownership relationship that includes a right of survivorship. Ann Arbor, MI 48107-8645 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. Phone Number: 989-743-2216 Once you've signed the deed, take it to the recorder's office where you got the copy of your old deed. Both her name and my son's name are on the deed. https://www.co.jackson.mi.us/269/Register-of-Deeds, Kalamazoo County Register of Deeds Suite 400 Phone Number: 231-689-7246 For example, if he has a bad debt, his creditor can sue and force the sale of your property to pay it off. Fax Number: 989-826-1156 400 Monroe, 7th Floor https://www.newaygocountymi.gov/departments/register-of-deeds/home/, Oakland County Register of Deeds You may have to fill out a form to have the deed officially recorded, as well as pay a small fee. Midland, MI 48640 Thanks to all authors for creating a page that has been read 206,090 times. http://www.tuscolacounty.org/rod/, Van Buren County Register of Deeds The current owner the person giving away their rights to the property would be the grantor in the quit claim deed. 401 E. Houghton Ave. American Academy of Estate Planning Attorneys. Therefore, if you want to have survivorship rights, make sure the deed includes language stating that the ownership is as joint tenants with rights of survivorship. P.O. Beulah, MI 49617 http://www.sanilaccounty.net/PublicPages/Entity.aspx?ID=220, Schoolcraft County Register of Deeds 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. Adding someone to your deed means that you have transferred part of your property ownership or the whole property for that matter. 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. Box 789 Fax Number: 989-832-6842 MI Earned Income Tax Credit, Retirement Tax, and Inflation Relief Initiatives Once it's done, you can't take it back unless the person. Phone Number: 906-482-1311 Leave the notary section blank. Phone Number: 616-527-5320 Howell, MI 48843 Box 367 Depending on your financial situation, this issue may cause you to reconsider making the addition. Fax Number: 231-258-3345 If your mortgage contains a due upon sale clause, talk to your lender about adding someone to your deed. Phone Number: 616-632.7610 120 N. Grove Street Fax Number: 231-256-8149 E-mail:clerksoffice@macombgov.org 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 376 These clauses typically state that if you ask your lender for permission to add someone to your house title, they won't unreasonably refuse. Fax Number: 231-533-8317 He focuses mostly on finance writing and has a passion for real estate, credit card deals, and investing. 12265 M-32 West 301 W. Upton Property tax exemptions mean that you pay lower property taxes, and sometimes no property tax at all. Tax Foundation. 100 E. State Street, Suite 2500 https://www.antrimcounty.org/departments___services_/register_of_deeds/index.php, Arenac County Register of Deeds Michigan has a practice known as "tenancy by entireties." https://www.saginawcounty.com/departments/register-of-deeds/, Sanilac County Register of Deeds https://www.allegancounty.org/departments/register-of-deeds, Alpena County Register of Deeds https://www.otsegocountymi.gov/259/Register-of-Deeds, Ottawa County Register of Deeds Court House 800 10th Street, Suite 200 https://presqueislecounty.org/register-of-deeds/, Roscommon County Register of Deeds P.O. Part 1 Understanding How It Works Download Article 1 Contact your lender. Fax Number: 906-789-5179 The short answer: No. Joint Tenants with Full Rights of Survivorship. Marquette, MI 49855 Phone Number: 989-426-7551 7064 Crowner Drive Phone Number: 989-831-7337 You can do your title search yourself, or you can order one from the title company that issues your title insurance policy. Fax Number: 269-467-5593 It's awesome and well-written, very clear on how, "Understanding how to add me to the deed, I had no idea of the consequences. http://schoolcraftcounty.net/government/elected-officials/clerk-and-register-of-deeds Email: rdeeds@gogebic.org Fax Number: 906-293-5553 Use it to try out great new products and services nationwide without paying full pricewine, food delivery, clothing and more. Suite 105 Department of Public Works When you die 50 years later, your spouse acquires a house with a fair market value of $900,000. Fax Number: 989-345-6221 Email: deeds@co.muskegon.mi.us https://countyfusion3.kofiletech.us/countyweb/login.do?countyname=Eaton, Emmet County Register of Deeds When he sells it five years later for $1 million, he only owes capital gains taxes on $100,000. What or who is a trustee of a trust? One thing to be careful of in this situation is title insurance coverage. Fax Number: 989-790-5278 Fax Number: 906-387-2156 https://www.miottawa.org/Departments/CountyClerk/ROD/, Presque Isle County Register of Deeds Accessed April 10, 2020. 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. You, as the "grantor" -- the property owner -- make out a deed conveying title to two "grantees," yourself and your partner. Civil Rights, Inclusion & Opportunity Department. Phone Number: 810-989-6930 Step 1: Download the MI quitclaim deed form. Reed City, MI 49677 Adding a family member to the deed as a joint owner for no consideration is considered a gift of 50% of the property's fair market value for tax purposes. By signing up you are agreeing to receive emails according to our privacy policy. Instead, you'll create a new deed with a group of owners, perhaps you, your spouse, and your child. 806 W. Houghton Avenue, Room 104 Ithaca, MI 48847 Adam Luehrs is a writer during the day and a voracious reader at night. P.O. Michigan.gov: Transfer of Ownership Guidelines PREPARED BY THE MICHIGAN STATE TAX COMMISSION. 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. 200 Grand River Avenue You're not guaranteeing you have any interest at all, or that you have particular ownership or possession rights. 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. Big Rapids, MI 49307 http://keweenawcountyonline.org/department-clerk.php, Lake County Register of Deeds https://www.stclaircounty.org/offices/register_of_deeds/, St. Joseph County Register of Deeds Choose separate interests if you want one owner to be able to sell their interest in the property without consulting the other owner. You will have to file a quitclaim deed and then file a new deed with joint ownership. Fax Number: 989-953-7219 How you add the person to your title affects whether the surviving owner must go through probate. Eagle River, MI 49950 References Be prepared for them to say no, howeverin fact, this will be their answer in most cases. Many reasons might exist that would make you want to add someone to the deed to your house. 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. 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. 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. 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. This most simple answer is yes. 100 N. State Street 1200 N. Telegraph Box 377 St. Johns, MI 48879-1580 113 Chestnut Street 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. P.O. My spouse died, how do I remove my spouse's name from my deed? 200 N. Moore Street One of the most common incorrect assumptions in real estate is that someone can be added to a deed. Stanton, MI 48888 60 W. Sanilac If you simply add your child's name to your existing deed, they won't necessarily have rights of survivorship. Phone Number: 231-547-7204 Phone Number: 231-873-4158