https://oceana.mi.us/departments/register-of-deeds/, Ogemaw County Register of Deeds Fax Number: 231-689-7271 Fax Number: 989-275-8640 https://www.stclaircounty.org/offices/register_of_deeds/, St. Joseph County Register of Deeds The answer to the question, "How do you add a joint owner to a property?" She began working in the fitness industry in 1987, and her experience includes editing and publishing a workout manual. Box 168 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. Kalkaska, MI 49646 P.O. Part 1 Understanding How It Works Download Article 1 Contact your lender. Charlotte, MI 48813 To make changes to your property's deed, you must execute a new document rather than simply adding a name to your existing deed. Room 136 You can get a taxpayer name and address for free by calling the Macomb County Land File Office at 586-469-5313 or the local Assessor's Office in that City or Township. Property ownership, transfer laws and deed practices differ depending on the state in which you live. St. Johns, MI 48879-1580 To avoid probate, you must choose an ownership relationship that includes a right of survivorship. 60 W. Sanilac Keep in mind that you may lose property tax exemptions or be charged gift taxes for adding someone to your title. "Estate Tax." However, this action can have a financially devastating outcome if you dont prepare in advance. That applies only to married couples. 1200 N. Telegraph Phone Number: 810-257-3060 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). West Branch, MI 48661 There are companies that will offer to provide you a copy of your deed, but you're better off dealing with the recorder's office directly. A Michigan deed is a legal document used to convey property from an owner to a purchaser in Michigan. If you live in a community property state, you can specify the home or land is community property with a right of survivorship. 1. Big Rapids, MI 49307 Fax Number: 989-895-4296 7064 Crowner Drive For example, if he has a bad debt, his creditor can sue and force the sale of your property to pay it off. https://rod-eweb.clinton-county.org/recorder/web/, Crawford County Register of Deeds Phone Number: 734-240-7390 Depending on how you claim the property, you may also need a spousal affidavit. Grayling, MI 49738 51 S Macomb St Manistique, MI 49854 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.". Accessed April 10, 2020. Civil Rights, Inclusion & Opportunity Department. Box 377 220 W. Ellsworth Street Email: jwinton@oscodacountymi.com 448 Court Place If your mortgage contains a due upon sale clause, talk to your lender about adding someone to your deed. Mortgage and Deed to House This is also where you specify how the two of you will own the property. 401 E. Houghton Ave. Fax Number: 989-846-9166 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. 287 W. Nepessing Street Suite 1 Box 70 Fax Number: 989-790-5278 Phone Number: 906-524-6100, ext. 301 N. Main St. P.O. 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. 100 E. State Street, Suite 2500 Fax Number: 906-293-5553 Fax Number: 231-845-7977 http://www.tuscolacounty.org/rod/, Van Buren County Register of Deeds Suite 105 Ionia, MI 48846 ", Unlock premium answers by supporting wikiHow, http://www.washingtonpost.com/realestate/before-adding-a-loved-one-to-a-house-deed-think-hard-first/2013/11/27/b02538c8-51fc-11e3-9fe0-fd2ca728e67c_story.html, http://www.nolo.com/legal-encyclopedia/deeds-faq-29119-2.html, http://www.nolo.com/legal-encyclopedia/deeds-faq-29119.html, http://www.saclaw.org/Uploads/files/forms/QuitclaimDeed.pdf, http://www.washingtonpost.com/wp-dyn/content/article/2008/02/29/AR2008022901680.html, http://www.saclaw.org/Uploads/files/Step-by-Step/sbs-deeds.pdf, incluir a un cnyuge en un ttulo de propiedad. "Joint Tenancy and Medicaid Eligibility." ", a right of survivorship. Thanks to all authors for creating a page that has been read 206,090 times. Traverse City, MI 49684 Mason, MI 48854 Some transfers are excluded from reassessment. http://www.mackinaccounty.net/departments/register-of-deeds/, Macomb County Register of Deeds "Avoiding Probate With a Transfer-on-Death Deed." Phone Number: 989-790-5270 The deed must be notarized. Accessed April 10, 2020. When we bought a home, I was still not divorced. She received her JD from Indiana University Maurer School of Law in 2006. Fax Number: 231-627-8453 Choose separate interests if you want one owner to be able to sell their interest in the property without consulting the other owner. 173 East Apple Avenue wikiHow marks an article as reader-approved once it receives enough positive feedback. This article taught me things I did not know. Email: clerk@schoolcraftcounty.us What or who is a trustee of a trust? https://www.saginawcounty.com/departments/register-of-deeds/, Sanilac County Register of Deeds Fax Number: 989-426-6902 400 Boardman 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. 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. 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. In this case, if one dies, the other automatically becomes the sole owner of the property. Phone Number: 231-627-8808 400 Elm Street You're not guaranteeing you have any interest at all, or that you have particular ownership or possession rights. 208 N. Shiawassee Street Email: register@masoncounty.net Email: registerofdeeds@emmetcounty.org Fax: 989-785-8080 Marie, MI 49783 P.O. 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. 725 Greenland Road 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. http://www.shiawassee.net/ROD/, St. Clair County Register of Deeds Box 5 200 Grand River Avenue Fax Number: 810-667-0293 Fax Number: 231-398-3544 https://countyfusion3.kofiletech.us/countyweb/login.do?countyname=Eaton, Emmet County Register of Deeds Personal Property 313-224-5860 103 Email: registerofdeeds@picounty.org Ithaca, MI 48847 Lapeer, MI 48446 P.O. The deed should include the grantor's marital status. 120 North Main P.O. http://gladwincounty-mi.gov/departments/register-of-deeds/, Gogebic County Register of Deeds Phone Number: 906-863-2822 This article helped point the way. X 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: 810-648-5461 The separate interest refers to the monetary interest in the property. Phone Number: 231-256-9682 Some financial institutions give consent, allowing you to add another person to your property deed without requiring you pay off your loan. Phone Number: 231-547-7204 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. Feel free to contact us with your questions, concerns or needs by email or by phone at 989-224-5270. Phone Number: 810-648-2313 P.O. References Take the deed to your county recorder's office to have it notarized and recorded. Phone Number: 906-225-8415 Use it to try out great new products and services nationwide without paying full pricewine, food delivery, clothing and more. Phone Number: 989-345-0728 In short, no one can be passively removed from a title. 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. 219 Paw Paw Street, Suite 102 Fax Number: 231-256-8149 There are two ways to get a deed. MSU Extension. This is a law that allows a husband and wife to hold a piece of property as if they were a single entity. Once it's done, you can't take it back unless the person. You can do your title search yourself, or you can order one from the title company that issues your title insurance policy. You sign the deed as grantor, have it notarized and file it with the county's registry of deeds. This could result in far lower capital gains taxes. Many reasons might exist that would make you want to add someone to the deed to your house. https://www.emmetcounty.org/officials-departments/register-of-deeds/, Genesee County Register of Deeds 8562 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. References Newberry, MI 49868 "The Trade-Offs of Repealing Step-Up in Basis." There are 8 references cited in this article, which can be found at the bottom of the page. If you are adding a spouse or a child to your house title, the transfer typically will be excluded from reassessment. Especially with large lenders, it isn't uncommon to get a bill for the balance of the mortgage when the transfer is complete. Fax Number: 231-724-6842 Using a quit claim deed is often the simplest method of bringing on another owner. http://keweenawcountyonline.org/department-clerk.php, Lake County Register of Deeds % of people told us that this article helped them. Also, I did not know the deed has to be worded a certain way in order to avoid probate upon my death. Please contact an attorney for any legal questions you may have. There are four common ways to hold title to real estate in Michigan: Tenants in Common. Fax Number: 616-994-4521 However, this action can have a financially devastating outcome if you don't prepare in advance. Box 885 Hart, MI 49420 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. 300 Walnut Street, Room 164 Phone Number: 989-785-8079 Harrisville, MI 48740 The notary will need to verify your identity. 701 Main Street 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: 989 - 984-1101 Phone Number: 906-293-5521 Phone Number: 231-258-3315 Fax Number: 989-354-9646 The best advice is to consult an attorney who specializes in these issues regarding the specifics of your situation. This article was written by Jennifer Mueller, JD. Phone Number: 989-317-4089 http://alconacountymi.com/?page_id=390, Alger County Register of Deeds MCL 565.221. Please contact our friendly staff at your convenience. These companies will charge significantly more money than you would pay if you got a copy directly from the recorder's office. Phone Number: 989-731-7551 If you choose this type of ownership, then one cannot sell or dispose of the property without the consent of the other. Email: dsimmons@ogemawcountymi.gov 401 W. Cedar Ave. For example, if you are adding a spouse to your house title, the deed transfer will be exempt from reassessment in many states. Another common question is, can you add someone to a deed if there is a mortgage? Email: register@miottawa.org 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. Both her name and my son's name are on the deed. Michigan.gov: Transfer of Ownership Guidelines PREPARED BY THE MICHIGAN STATE TAX COMMISSION. Phone Number: 989-362-2021 Mt. Phone Number: 231-922-4753 By using our site, you agree to our. His capital gain would be $900,000. As a small thank you, wed like to offer you a $30 gift card (valid at GoNift.com). Accessed April 10, 2020. https://www.stjosephcountymi.org/government/register-of-deeds, Tuscola County Register of Deeds Box 609 Sandusky, MI 48471 My spouse died, how do I remove my spouse's name from my deed? 2 South 6th Street, Suite 11 Phone Number: 248-858-0581 https://www.dickinsoncountymi.gov/government/county_departments/register_of_deeds/index.php, Eaton County Register of Deeds We do not have any blank deed forms available in our office. Fax Number: 616-632-7615 P.O. Fax Number: 906-387-2156 100 N. State Street Phone Number: 906-482-1311 https://www.newaygocountymi.gov/departments/register-of-deeds/home/, Oakland County Register of Deeds White Cloud, MI 49349 https://www.mecostacounty.org/government/rod.php, Menominee County Register of Deeds 1087 Newell St. Warranty deeds come with some type of . For more detailed information on how to add someone to your house title, scroll down. Phone Number: 616-632.7610 The transfer is excluded from the gift tax if you're adding your spouse to your house title. It doesn't matter whether money was exchanged or not. 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. https://www.co.jackson.mi.us/269/Register-of-Deeds, Kalamazoo County Register of Deeds They still used my income, but I'm not on the note. Phone Number: 989-826-1116 Fax Number: 269-982-8659 422 W. Lake Street The notary will charge a small fee to witness your signature and notarize your deed, typically less than $10. This is called tenancy by the entirety, and in states where property can be held this way, spouses who own real estate together generally own it as tenants by the entireties automatically. P.O. https://www.co.marquette.mi.us/departments/register_of_deeds/index.php, Mason County Register of Deeds Include your name and the name of the person you want to add to your house title. Phone Number: 517-788-4350 Munising, MI 48962 There are different forms of deeds depending on the situation involved. L'Anse, MI 49946 What form do I need in order to change my last name on the deed to my new married name? 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. 201 W. Kalamazoo Avenue 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. Bessemer, MI 49911 Thanks to all authors for creating a page that has been read 636,176 times. American Academy of Estate Planning Attorneys. Menominee, MI 49858 Buildings, Safety Engineering and Environmental Department. https://www.clareclerkrod.com/register_of_deeds/index.php, Clinton County Register of Deeds Courthouse 100 W. Main Street Estate Planning in Michigan Using a Ladybird Deed. Charlevoix, MI 49720 Fax Number: 734-222-6528 were I to add him to my deed. Phone Number: 906-337-2229 The new person acquiring an interest in the property would also be a grantee. How to transfer property titles in Michigan becomes complicated in these cases because each owner only owns a portion of the property. Review your mortgage documents or contact your lender before initiating the process to change your deed. 211 W. Main St. Also specify the type of ownership each party will have. Get a copy of the title deed from your county clerk's office. County Building 301 State Street By signing up you are agreeing to receive emails according to our privacy policy. By signing up you are agreeing to receive emails according to our privacy policy. https://www.co.monroe.mi.us/549/Register-of-Deeds, Montcalm County Register of Deeds Here's a way to pass the interest in your home deed onwhile you're alive. Obtain a blank quit claim deed form from an office supply store, attorney or title company. Stanton, MI 48888 Note that banks are often trustees. The easiest and most common way to do this is with a quitclaim deed and the refiling of a new deed with joint ownership. Joint Tenants with Full Rights of Survivorship. Fax Number: 269-445-4453 Both people would acquire their interest in the property at the same time in the chain of title. Ludington, MI 49431 Some common exemptions include homestead exemptions or exemptions for people over the age of 65. In this case, 86% of readers who voted found the article helpful, earning it our reader-approved status.