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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. Phone Number: 517-322-1144, Shiawassee 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. Generally speaking, adding another owner only makes the probate process more complicated. Go to the county recorders office and get a quitclaim form. Last Updated: February 22, 2023 605 N. Birch St. Phone Number: 269-657-8242 http://keweenawcountyonline.org/department-clerk.php, Lake County Register of Deeds St. Ignace, MI 49781 Box 718 This article was written by Jennifer Mueller, JD. Suite 301 MCL 565.201a. Jennifer reviews, fact-checks, and evaluates wikiHow's legal content to ensure thoroughness and accuracy. Phone Number: 616-994-4510 Phone Number: 231-547-7204 P.O. http://lapeercountyweb.org/index.php/departments/register-of-deeds, Leelanau County Register of Deeds Hart, MI 49420 12220 Fillmore St., Room 146 This article has been viewed 636,176 times. 200 N. Main Street 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. The transfer is excluded from the gift tax if you're adding your spouse to your house title. Fax Number: 231-533-8317 By signing up you are agreeing to receive emails according to our privacy policy. One of the most common questions about deeds is: Can a person's name be on a deed without being on the mortgage? Phone Number: 517-437-2231 Home. You're not guaranteeing you have any interest at all, or that you have particular ownership or possession rights. By using our site, you agree to our. If your lender agrees not to enforce the clause, get the agreement in writing. Take the new deed to the county recorder's office. Fax Number:269-945-1298 P.O. P.O. 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. Phone Number: 906-293-5521 Strike a line through any verbiage on the deed that does not apply to your circumstances. Suite 400 120 N. Grove Street Fax Number: 989-953-7219 If you choose this type of ownership, then one cannot sell or dispose of the property without the consent of the other. Phone Number: 906-337-2229 Fax Number: 989-344-3223 Enjoy! Phone Number: 810-667-0211 is not an easy one. Email: deeds@co.muskegon.mi.us http://www.barrycounty.org/departments_and_officials/officials/register_of_deeds/index.php, Bay County Register of Deeds Warranty deeds come with some type of . 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. Fax Number: 810-768-7965 Phone Number: 231-779-9455 Note: A deed is an instrument used to transfer ownership (title) to another person. Email: mmerchant@gratiotmi.com Laws regarding deed transfer in Michigan also allow joint tenancy, which is joint ownership between multiple owners, such as a group of business partners. If you are transferring an interest to your spouse, many states have laws that automatically give you survivorship rights and also protect the property from your spouse's creditors. 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. Muskegon, MI 49442 Box 800 Phone Number: 989-275-5931 Fax Number: 231-724-6842 Take the deed to your county recorder's office to have it notarized and recorded. Phone Number: 269-673-0390 Roscommon, MI 48653-7664 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. You can also find out by contacting the tax assessor's office in your county. https://rod.chippewacountymi.gov/landweb.dll/$/, Clare County Register of Deeds https://www.deeds.com/recorder/michigan/alger/, Allegan County Register of Deeds "Adding someone to a deed" means transferring ownership to that 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. https://www.gogebiccountymi.gov/government/county_offices/register_of_deeds.php, Grand Traverse County Register of Deeds Phone Number: 269-983-7111 ext. It's revocable. 250 E. Huron Avenue, Room 203 Box 399 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. Also specify the type of ownership each party will have. http://www.kalcounty.com/clerk/, Kalkaska County Register of Deeds Fax Number: 906-643-1178 https://www.co.muskegon.mi.us/848/Register-of-Deeds, Newaygo County Register of Deeds 2 S. Main St. Allegan, MI 49010 Email: register@miottawa.org You will have to file a quitclaim deed and then file a new deed with joint ownership. http://www.charlevoixcounty.org/register_of_deeds/index.php, Cheboygan County Register of Deeds The easiest and most common way to do this is with a quitclaim deed and the refiling of a new deed with joint ownership. Phone Number: 906-524-6100, ext. The answer to the question, "How do you add a joint owner to a property?" The current owner the person giving away their rights to the property would be the grantor in the quit claim deed. Fax Number: 269-781-0720 Feel free to contact us with your questions, concerns or needs by email or by phone at 989-224-5270. 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. 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. Charlotte, MI 48813 Newberry, MI 49868 400 Boardman Keep in mind that you may lose property tax exemptions or be charged gift taxes for adding someone to your title. Box 35 Phone Number: 231-873-4158 725 Greenland Road Fax Number: 231-348-1773 Phone Number: 231-922-4753 Phone Number: 989-895-4228 Fax Number: 989-743-2459 You will have to file a quitclaim deed and then file a new deed with joint ownership. wikiHow marks an article as reader-approved once it receives enough positive feedback. Clemens, MI 48043 Box 609 For more detailed information on how to add someone to your house title, scroll down. 1200 N. Telegraph https://www.co.huron.mi.us/register-of-deeds, Ingham County Register of Deeds P.O. Coldwater, MI 49036 Box 303 "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! You can do your title search yourself, or you can order one from the title company that issues your title insurance policy. The difference between tenancy by the entirety and joint tenancy with right of survivorship is that if one spouse has debts, that spouse's creditors can't go after the other spouse's interest in the property to cover those debts. Email: registerofdeeds@picounty.org Phone Number: 906-341-3618 In some areas, your spouse also must sign the deed. Suite M-3 West Branch, MI 48661 https://www.vanburencountymi.gov/499/Register-of-Deeds, Washtenaw County Register of Deeds County Courthouse Building Phone Number: 517-788-4350 To learn more about tax liability associated with adding your spouse to a deed, read on! https://www.co.midland.mi.us/RegisterofDeeds.aspx, Missaukee County Register of Deeds Uniform Commercial Code Section https://oceana.mi.us/departments/register-of-deeds/, Ogemaw County Register of Deeds Note that banks are often trustees. Information deemed reliable but not guaranteed, you should always confirm this information with the proper agency prior to acting. Phone Number: 231-258-3315 "Joint Tenancy and Medicaid Eligibility." Baldwin, MI 49304 MCL 565.221. These clauses typically state that if you ask your lender for permission to add someone to your house title, they won't unreasonably refuse. These materials are intended, but not promised or guaranteed to be current, complete, or up-to-date. Research source. 220 W. Ellsworth Street Phone Number: 517-543-4203 Ithaca, MI 48847 Phone Number: 269-945-1289 Phone Number: 989-426-7551 He focuses mostly on finance writing and has a passion for real estate, credit card deals, and investing. Fax Number: 231-256-8149 Thank you. Adam Luehrs is a writer during the day and a voracious reader at night. P.O. When you use a quitclaim deed, you're only transferring any ownership interest you have. Adding your spouses name to the deed will expose your property to any judgments against him. Fax Number: 906-337-2253 Were committed to providing the world with free how-to resources, and even $1 helps us in our mission. Unmarried people can own real estate together in one of two ways: joint tenants with rights of survivorship, or tenants in common. 125 W. Lincoln St. 100 N. State Street Add language to the deed specifying what percent of the property you and the person you are adding owns, if necessary. 120 W. Michigan Avenue Iron Mountain, MI 49801 Civil Rights, Inclusion & Opportunity Department. https://ironmi.com/register-of-deeds, Isabella County Register of Deeds http://alconacountymi.com/?page_id=390, Alger County Register of Deeds My son has no interest in the property and has his own. They still used my income, but I'm not on the note. Phone Number: 248-858-0581 Phone Number: 517-264-4538 Houghton, MI 49931 Once youre sure you want to move forward, decide on what kind of co-ownership you want based on your situation. Fax Number: 517-546-5966 Planning & Economic Development. Grand Rapids, MI 49503 http://www.countyoffice.org/mi-ontonagon-county-recorder-of-deeds/, Osceola County Register of Deeds https://www.stjosephcountymi.org/government/register-of-deeds, Tuscola County Register of Deeds 407 West Harrie St. https://presqueislecounty.org/register-of-deeds/, Roscommon County Register of Deeds To learn more about tax liability associated with adding your spouse to a deed, read on! For example, you may set it up so that you have an 80 percent interest in the property while your sister has a 20 percent interest in the property. Property Transfer Among Family Members | H&R Block https://www.washtenaw.org/262/Clerk-Register-of-Deeds, Wayne County Register of Deeds How To Add a Name to Your Deed - The Balance P.O. To create a tenancy in common, you would use "and" or "or" between the names of the property owners on the deed. The chain of title in real estate has been established so that an interest in real estate cannot be valued by the amount of time an owner has been in possession of the real estate. Standish, MI 48658 This is a valid reason to have an attorney review a deed before you sign it and have it recorded. P.O. 200 North Main St. Suite 110 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. Personal Property 313-224-5860 The deed must list the name and business address of the person that prepared the deed. Manistique, MI 49854 How to Add a Spouse to a Deed - wikiHow The best advice is to consult an attorney who specializes in these issues regarding the specifics of your situation. Phone Number: 906-667-0381 Fax number: 906-663-4660 1. If you are adding a spouse or a child to your house title, the transfer typically will be excluded from reassessment. 301 State Street Support wikiHow by http://www.menomineecounty.com/departments/?department=4a30b23c515d, Midland County Register of Deeds I want to sell it, but have back taxes. 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. Include your email address to get a message when this question is answered. Phone Number: 269-781-0707 Phone Number: 989-790-5270 400 Elm Street Fax Number: 989-275-8640 One thing that many people do not realize is that transfer of the deed is different from the transfer of the mortgage responsibility. Fax: 231-922-2770 unlocking this expert answer. Otherwise, married couples usually claim property as tenants by the entirety. Transferring ownership of a house also means your property will likely be reassessed for tax purposes. https://www.manisteecountymi.gov/363/Register-of-Deeds, Marquette County Register of Deeds Unless you know real estate and property records fairly well, it's usually safer to let the title company do it. Fax Number: 231-627-8453 Accessed April 10, 2020. 401 E. Houghton Ave. Alpena, MI 49707 "Keeping Your House Out of Probate." 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. Email: rod@shiawassee.net Phone Number: 989-354-9547 113 Chestnut Street E-mail:clerksoffice@macombgov.org 120 North Main Phone Number: 517-546-0270 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. Especially with large lenders, it isn't uncommon to get a bill for the balance of the mortgage when the transfer is complete. 705 S. Stephenson Ave. 211 W. Main St. How to transfer property titles in Michigan becomes complicated in these cases because each owner only owns a portion of the property. 341 S. Jefferson Room 201 Get a copy of your current deed and select the type of new deed form you want to use. Fill in the recording information. https://countyfusion3.kofiletech.us/countyweb/login.do?countyname=Eaton, Emmet County Register of Deeds Howell, MI 48843 Obtain a blank quit claim deed form from an office supply store, attorney or title company. Accessed April 10, 2020. If avoiding probate is a priority, an attorney can help you find the best method to add the other person to your house title. Fax Number:231-839-3684 Michigan Real Estate Basics: Title to Real Property https://www.co.hillsdale.mi.us/index.php/tm-gov/tsm-gov-deeds, Houghton County Register of Deeds The American College of Trust and Estate Counsel. Kalkaska, MI 49646 http://www.iosco.net/departments/register-of-deeds/, Iron County Register of Deeds Fax Number: 989-734-0506 The separate interest refers to the monetary interest in the property. Phone Number: 231-843-4466 Record the TOD with your county recorder of deeds, and rest assured that your loved one automatically owns your house when you have passed. Or, it could be that you want the ownership of your property to go to your child in the event of your death. Hastings, MI, 49058 IRS. Phone Number: 989-348-2841 111 South Canal Street Issues of marriage and property ownership become complicated when a divorce is involved. Reed City, MI 49677 Michigan Quitclaim Deed Form | Get a Quit Claim Deed Online - DeedClaim Crystal Falls, MI 49920 What or who is a trustee of a trust? What form do I need in order to change my last name on the deed to my new married name? 500 Lake St. http://www.tuscolacounty.org/rod/, Van Buren County Register of Deeds https://www.co.jackson.mi.us/269/Register-of-Deeds, Kalamazoo County Register of Deeds Fax Number: 810-985-4795 Michigan Lady Bird Deed Form | Enhanced Life Estate Deed - DeedClaim If your mortgage contains a due upon sale clause, talk to your lender about adding someone to your deed. http://www.shiawassee.net/ROD/, St. Clair County Register of Deeds 448 Court Place 151 E. Huron Street Maybe you just got married and would like your new spouse listed as part owner of your home. The most common way to remove someone from a deed is through a deed of conveyance, such as a quitclaim or warranty deed. 1101 Beach Street, Room 138 https://www.allegancounty.org/departments/register-of-deeds, Alpena County Register of Deeds