How to Transfer a Property Deed

Transferring ownership of a house or land requires more than handing over the keys. You must prepare and record a new deed to make the change official. Follow this guide to understand the legal steps and avoid common pitfalls.

1. Identify the Appropriate Deed Type

Different deeds convey different levels of protection. The most common types include:

• Warranty Deed: Provides the grantee with full warranties of title. The grantor guarantees they own the property and have the right to convey it.
• Special Warranty Deed: Offers limited warranties, covering only the period during which the grantor owned the property.
• Quitclaim Deed: Conveys whatever interest the grantor has without any warranties. Often used between family members or to clear up title issues.

2. Prepare the New Deed

You can draft the deed yourself using state‑approved templates, but it’s wise to consult an attorney to ensure the legal description and wording are correct. The deed should include:

• Grantor and grantee names and addresses
• Legal description of the property (from a prior deed)
• Consideration (purchase price or “for $10 and other valuable consideration”)
• Type of deed and any warranties
• Grantor’s notarized signature and, in some states, witness signatures

3. Sign and Notarize

The grantor must sign the deed in the presence of a notary public. In many states, the grantee doesn’t need to sign, but check local requirements. Some jurisdictions also require additional witnesses.

4. Record the Deed

Submit the signed deed to the county clerk or recorder’s office where the property is located. Pay any recording fees and transfer taxes. Recording the deed protects the grantee’s interest and establishes public notice of the transfer.

5. Update Related Documents

After recording, notify your mortgage lender, homeowners association and county tax assessor of the change in ownership. Also update your homeowner’s insurance policy to reflect the new owner.