what if a deed was never recorded

Never accept a deed you're asked not to record. it would have cost to do it properly in the first place. Since most states do not require the grantee's signature on a deed, the grantor may find it difficult to prove delivery and acceptance. The purchaser (or transferee) named on the last deed of record is recognized as the legal title owner of that parcel of property. When contemplating any type of deed, do not try to draft it yourself. The cookie is used to store the user consent for the cookies in the category "Analytics". One of the presenters informed the conference attendees of a new state auditing program in which deeds recorded within the last six years are being examined and deed dates are being compared with dates on the Homestead Exemption and Property Transfer Affidavits. This is not a new transfer, but a confirmation of the original one. With a property conveyed for purchase, it is with little difficulty that a deed may sustain a mistake in the description in the documentation. You have to complete the questionnaire before your score can However, if a mortgage or deed of trust was not recorded, the lender cannot foreclose against the property, just against the defaulting borrower personally. First, it ensures the deed is recordable: in a form acceptable by the Recorders Office. You can also look for a copy of your recorded deed online. . With proper handling, any actions will be recorded within two weeks to three months after the case is closed. If the deed to your property has not been recorded, inform your attorney or title insurance company immediately. The Trust Deed is evidence that the Note exists. You can follow the steps below to verify that your agreement has been recorded and the importance of removing it from the to-do list. If not, then it is usually the case that the property will be registered with a possessory title. Your trust would have specific instructions as to how you want your property distributed after you are gone. The recorder's office has instructions on what to include with the filing, and the fee and payment methods. An unrecorded easement is not covered by the title insurer unless an . Required fields are marked *, 709 Huron Avenue He could even be held responsible for any loss the tenants suffered if the . It seems to us that you should be done with the place and not look for more problems or issues with it. The caveat is that by not recording, you leave open a window of opportunity for someone to record a competing deed - which, if they received it without . relatedSites.onchange = function() { Also, in most states a deed conditionally delivered is not effective. Although these types of arrangements are used all the time and are valid for delivering a deed during your lifetime, there may be problems if used to deliver a deed after your death. First, if your contract is not recorded, nothing in the public record can prevent the seller from transferring the property to others. But opting out of some of these cookies may affect your browsing experience. The cookies is used to store the user consent for the cookies in the category "Necessary". Her work has appeared on numerous financial blogs including Wealth Soup and Synchrony. She also tutored in English for nearly eight years, attended Buffalo State College for paralegal studies and accounting, and minored in English literature, receiving a Bachelor of Arts. It does not guarantee ownership. The Note is never recorded only the Trust Deed or Deed of Trust. The deed must be signed by the party or parties making the conveyance or grant; and 7. A few years go by and the house catches fire. Consult with a knowledgeable real estate attorney. Gather any proof you have about the execution of the deed including: People who can testify they witnessed the quitclaim executed. Your deed is no longer effective to transfer the property after your death. Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features. An unrecorded deed is a deed for real property that neither the buyer nor the seller has delivered to an appropriate government agency. If there is a problem, discovering it before something worse has arisen could save you from expense and enormous inconvenience. What happens if I cant find the deeds to my house? Certified Forensic Loan Audits on Robo- Signed assignment of mortgages, Securitization Mortgage Audit Report Sample BB Level III, Certified Forensic Loan, Audit With Affidavit Of Expert Witness. A deed is generally considered effective upon delivery of the deed and acceptance of that delivery. Have detailed instructions in your will and probate your home in accordance with those instructions. The current owners were advised about four years ago that their deed was never recorded, but they've taken no action to resolve the matter. Title agents commit errors, lose deeds, and even go out of business. The current owners purchased the house over 20 years ago and the title company is no longer in business. However, failure to record a deed may cause problems for the new owner. The basis of having it on record is to avoid ownership issues in the future. If you catch them in time, most errors can be easily corrected. If the borrower on a recorded mortgage defaults, the lender can foreclose and either be paid in full or receive the property. With proper planning, your home is: 1) not uncapped for property tax purposes; 2) still an exempt asset for Medicaid; 3) not subject to Medicaid estate recovery; 4) still your homestead for homestead property tax exemption; and 5) still your principal residence for federal income tax capital gains exemption. Follow the latest direct for National Mortgage News. Deed: A legal document that grants the bearer a right or privilege, provided that he or she meets a number of conditions. Accessed August 1, 2020. However, if a mortgage or deed of trust was not recorded, the lender cannot foreclose against the property, just against the defaulting borrower personally. If the agreement is not recorded, it will not publish constructive notice of its contents to the world. It is a useful document because most states only require the grantor's signature on a deed, so it can be difficult to prove delivery and acceptance, both of which are required to have a properly executed deed in many states. If she died in the meantime or there are other claims to the property, the situation becomes more murky. Even the county government sometimes fails to record an agreement that has been properly presented. This cookie is set by GDPR Cookie Consent plugin. Failure to record a deed effectively makes it impossible for the public to know about the transfer of a property. If you never got the original deed, don't be concerned. Avoiding the pitfalls of unrecorded deeds. The title is someone's right to legal ownership and use of a property, including the right to sell it. However, establishing legal ownership is a pre-requisite to obtaining title insurance, which offers protection against future adverse claims. Per Florida statute 695.26, in order for the recording to be valid, a deed must: Contain the property's current owners (grantors) and new owners (grantees) names and mailing address; Include a prepared by provision that states the name and address of the natural person that prepared the deed (as opposed to an organization); Be signed by . Additionally, it is important to remember that creditors of the transferrer on the unrecorded deed can still place liens against the property, leaving a mess for the person who received the property. The recording page lists the date the deed was recorded and also the volume and page number where your deed can be found. Please know too, that I am recommending Mortgage Audits Online to all of my law associates., I have been using Mortgage Audits Online for a few months and I am very pleased with the work. All rights reserved. Accessed August 1, 2020. Aaron Hall Check with your local land records' office (known variously as the County Recorder's Office, Land Registry Office or Register for Deeds) in the locality where the property is situated. record the deed before someone else records an interest in the property ahead of you, such as liens. What is the formula for calculating solute potential? Press ESC to cancel. Nothing on this website should be considered a substitute for the advice of an attorney. Introduction. It is always the best possible choice to record the deed in order to ensure that problems such as this do not occur. What happens when you buy a deed from the county? 1 While this alert focuses on the issue of fraudulent deeds recorded against real property in general, most of Title company employees and escrow company employees are not allowed to give legal advice in regard to preparing a quit claim deed. The new homeowner should investigate state fines for failing to record the transfer of the contract. However, mistakes do happen when loan documents are drafted or executed. Only you or your attorney could prepare the documents. As can be imagined, this could lead to a series of troubling consequences if the prior owner of the property had unresolved debts. The cookies is used to store the user consent for the cookies in the category "Necessary". Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. Does buyer own the . You should not attempt to implement any of the techniques or ideas presented without competent advice. Also notify your mortgage lender as this can help you to record your deed. Please contact your lawyer, title insurance agent or real estate agent for more information. If she did, what's to stop you from going down and recording it? Grant deeds do not have to be recorded to be valid, nor do they have to be notarized. A prescriptive easement for example, whereby a neighbor had been using the property in some way for a long time and thus created an easement may never have been recorded. With a transfer-on-death deed, you stay in control of your home during your lifetime and your beneficiaries only get it after you are gone. Contact the Grantor. Very few people know that their behavior can be troubling before they sell the property or try to refinance the mortgage. The deed of conveyance meaning, therefore, is a contract in which, the seller transfers all rights to the legal owner. A copy of the recorded deed from the county. An unrecorded deed creates the potential for a seller to engage in a subsequent sale of the same property to yet another buyer. Firstly, just dont do it! Without an affidavit of deed, signed by the grantee, Mr. Homeseller will have a difficult time proving that he ever sold the property. What Is Title Insurance and How Does It Work? Accessed May 22, 2020. and a written report of the Title Searcher's opinion as . If the borrower on a recorded mortgage defaults, the lender can foreclose and either be paid in full or receive the property. What is the zip code for British Columbia Canada? Contact the title company that you or your closing company hired when you purchased your home. Posted on Mar 25, 2013. Our question is, if all this is still in our name then are we technically the legal owners of the home, and he is living in our property? Out of these, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. There are several types of deeds that can be used, each offering different protections to the grantor . How long does it take for a deed to be recorded? He could even be held responsible for any loss the tenants suffered if the fire was a result of poor maintenance. You should also inform your mortgage lender, as it might be able to assist you with recording your deed. Can a title company prepare a quit claim deed? 00:00 00:00. An unrecorded deed may create a cloud because many states have a delivery requirement when it comes to the instruments. These cookies will be stored in your browser only with your consent. For example, the lack of an official deed will make it nearly impossible to sell the property again or refinance a mortgage. Her ex-husband runs the risk that third parties might think he doesnt own the property and that your creditors could lay claim to that lakehouse while its still showing in your name. Even the county government sometimes fails to record an agreement that has been properly presented. Analytical cookies are used to understand how visitors interact with the website. Consult a real estate attorney about the possibility of filing an action for quiet title. How can I find out if my deed has been recorded? There are three parties involved in a deed of trust: the trustor, the beneficiary and the . How do I choose between my boyfriend and my best friend? Code, 880.020 et seq.) Most states have recording statutes that impose restrictions on when and how a document conveying property rights can be legally created. However, you may visit "Cookie Settings" to provide a controlled consent. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. It is essential that the new owner of the home check their state's regulations regarding penalties for failing to record deed transfers. If you are facing a quitclaim deed challenge, you should talk to an attorney. Undisclosed unrecorded deed may be considered Medicaid fraud. Anna Assad began writing professionally in 1999 and has published several legal articles for various websites. How to Search for Mortgage Deed Information. Necessary cookies are absolutely essential for the website to function properly. A deed is the legal instrument required to transfer ownership in real property from the grantor, or "the seller," to the grantee, or "the buyer." Mississippi has specific requirements that must be met for the transfer of ownership to be valid. Usually, tax bills are the responsibility of the property owner. The Deed is Not Recorded If the Deed is not recorded at the county clerk's office, then there is no way for anyone to know about the change in ownership. If the borrower on a recorded mortgage defaults, the lender can foreclose and either be paid in full or receive the property. The cookie is used to store the user consent for the cookies in the category "Other. In general the way this works is that as between the LLC and the partnership that deed is good even though not recorded. Who is responsible for maintaining Cash out refi, foreclosure I paid $182k for my house, refi'd at 235k with cash out. 1 year lease on a foreclosure home and we are only 4 months into the lease? In the first instance, if your deed is not recorded, there is nothing in the public record to stop the seller from conveying the property to another person. Review the recorded copy of your deed to make sure there are no errors. We do not know why, but there was a group that were never completed. If your deed has not been recorded, you are not recognized as the legal owner of your property. What happens if there are no deeds to a house? . Sometimes your family does not know about the deed and does not inform the trustee or escrow agent of your death, then your deed never gets recorded. Because you did not record your deed during your lifetime, it can be lost. The When the county records a document, it does not provide legal advice. Necessary cookies are absolutely essential for the website to function properly. We have paid fees through the end of 2021. What happens if a deed is never recorded? This cookie is set by GDPR Cookie Consent plugin. We decided that we would like to give it back to the resort. The requirements for a valid deed are a grantor, a grantee, a writing and subscription, delivery, and acceptance. The fact is, recorded or not, once a deed is executed title to the property is transferred. There has been much talk about so-called Zombie Titles in the wake of the recent foreclosure crisis. You have probably heard this from family or friends or maybe even from an attorney. Since there is a deed of trust, I think that the title company forgot to record the deed. The niece, not knowing any better, just sticks the deed into her closet and never files it. This cookie is set by GDPR Cookie Consent plugin. This cookie is set by GDPR Cookie Consent plugin. A quitclaim deed, which is a legal document used when one person wishes to surrender interest in shared property, should be filed with the local recorder's office. upon for any specific person or situation. You would not want to do your Next is the question about the validity of the deed itself after your death. Legal and tax issues frequently change, therefore some material may be affected by changes in the laws regarding wills, trusts, taxes, In San Francisco, for example, it is the Office . While this is unlikely, it is still possible for the seller to fraudulently impose a mortgage or home equity credit line on your property. 7031 Koll Center Pkwy, Pleasanton, CA 94566. And if you are thinking of using a deed for estate planning purposes, your attorney should also have a working knowledge of estate planning, Medicaid rules and elder law, income taxes and estate taxes. If you have given your intended beneficiary your unrecorded deed to hold for safe-keeping and you change your mind or have a falling out with the beneficiary, you may not get the deed back without having to file a lawsuit. So, what does this mean in terms of your property ownership? The deed is the official "proof of transfer" for real estate, which can include land on its own or land that has a house or other building on it. The attorney you speak with might suggest you sign a quitclaim deed and record that deed yourself. A deed is valid when it has been properly executed by the grantor, delivered to the grantee, and accepted by the grantee. A buyer could encounter great difficulty in selling, insuring, or obtaining loans for a property if financial institutions and insurance companies cannot establish clear title. Can One File a Quitclaim Deed Without Refinancing the Mortgage? If the deed cannot be found, what you want to happen does not happen, and your home ends up going through probate anyway. Unrecorded Deed: A deed for a tangible piece of property that is not filed with the appropriate governing body. 1 What happens if a deed is never recorded? This is a post-closing problem that could occur. The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional". 57-3-104 Certified copies entitled to record in another county -- Effect. The ideas presented herein are for discussion and educational purposes only. This cookie is set by GDPR Cookie Consent plugin. Nine months after it was named as the beneficiary on the deed of trust, Hulven was incorporated in Montana. If not, then ask a real estate lawyer. Develop a step-by-step plan to plan for your disability and to protect your estate. The . If you dont get the deed back, you would not be able to destroy it with the intent that the house go in accordance with your will. your tax advisor, financial planner and estate planning attorney to discuss your situation and obtain advice. Wed suggest you talk to an attorney in your area and find out what steps you should take, if any, to protect yourself. Recording a Deed is Not Necessary to Avoid Probate. However, it is tricky to prove title if you lose an unrecorded deed. thats delivered and recorded. An unrecorded deed may create a cloud because many states have a delivery requirement when it comes to the instruments. You also have the option to opt-out of these cookies. Aaron Hall. Find her at www.whiterosecopywriting.com. With proper handling, any actions will be recorded within two weeks to three months after the case is closed. You record a deed for your property into your trust. Canadian seller is out of country and can't be reached. It is too easy to mess it up. 5.010 Certificate of Title - California DMV, Schorr Law's Real Estate Blog: How to Quiet Title to Old Liens on Real Property. Obvious description errors in a recorded deed, deed of trust, or mortgage purporting to convey or transfer an interest in real property may be corrected by recording an affidavit in the land records of the circuit court for the jurisdiction where the property is located or where the deed, deed of trust, or mortgage needing correction was . Information deemed reliable but not guaranteed, you should always confirm this information with the proper agency prior to acting. Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors. The cookie is used to store the user consent for the cookies in the category "Performance". Wed like to believe that you have copies of the documents that you gave him conveying the ownership back to him and have copies of the payments made to you. Zillow. Although less likely, there is also a risk that your seller could fraudulently execute a mortgage or home equity line of credit against your property. Code, Real Property 4-101. Aaron helps clients implementbestpractices inMinneapolis, St. Paul, Twin Cities, North Metro,Blaine, Coon Rapids, Lino Lakes, Circle Pines, Lexington, Andover, Ham Lake, Ramsey, Spring Lake Park, Anoka County, Hennepin County, Ramsey County, Washington County, and other parts of Minnesota. The deed also may get lost, destroyed or mislaid when it is being held in some file storage facility. Co-borrower In 2003 my father wanted to purchase a motor home to live in on my Tree My neighbors tree hangs over in to my yard. Then the deed was recorded so he or she did not have to worry about it later. "What Is Title Insurance and Do I Need It?" The deed could be considered void upon your death as an uncompleted gift. There are instances, however, where deeds are not properly recorded at all. This reader transferred ownership of the home but is receiving tax bills, are they still the legal owner of the property? It does not store any personal data. What if a deed was never recorded? Although I was the first, the other well-meaning buyer did not give constructive notice of my previous actions, so he won the game of going to court to record his actions and became the legal owner. This is not a new transfer, but a confirmation of the original one. Just because a document is filed with the county, doesnt mean its right. There are three ways you can overcome this problem in order of ease: Try and persuade the Clerk of Courts to issue and record a corrective tax deed (which fixes a problem in an already recorded Deed, but which does not create a new interest) in the county in which the incorrect tax deed was recorded. In general, a real estate deed must be delivered to and accepted by the grantee(s) to be properly executed or valid. 3 What happens if a mortgage is not recorded? By this we mean that you got paid what was owed to you and you delivered the documentation needed to convey any ownership interest you had in the home back to your wifes ex-husband. Or you already gave the deed to your loved one to hold for safe-keeping to be recorded after your death. By using this website, you agree to ourTerms of Use. Which is correct poinsettia or poinsettia? The company also failed to provide suitable property insurance, to pay the real estate taxes, or even to cover the water and sewer bills. Recording hours are from 9:00 AM through 4:00 PM. Even though it is not on record, the Trustee holds proof of transferring from the owner to the trust. Without doing a deep dive into your situation, much depends on whether or not she delivered the deed to you. In practical terms, failure to have your property deed recorded would mean that, if you ever wanted to sell, refinance your mortgage, or execute a home equity line of credit, you could not do so. The deed does not need to be recorded in the office of the County Recorder of Deeds in order to be valid between the grantor and the grantee. However, you may visit "Cookie Settings" to provide a controlled consent. With the Affidavit of Deed form, grantors in a transaction can verify the date of the completed conveyance and protect themselves from future claims or questions when applying for Medicaid or other asset-based benefit programs. Many counties provide access to real property records online and free of charge. This website uses cookies to improve your experience while you navigate through the website. However, there are many instances where deeds are not properly recorded. Also, there is no law that prevents a valid deed from being recorded at any time, even years after the official transfer takes place. If the grantor is protected by an affidavit of deed, these issues are generally easier to resolve. As you can see, recordinga deed to a trust is not necessary to avoid probate. Its relatively easy to verify that your contract has been recorded. We use cookies on our website to give you the most relevant experience by remembering your preferences and repeat visits. Property had unresolved debts, establishing legal ownership is a deed to sure... The recorded deed from the county what if a deed was never recorded you to record an agreement that has been properly executed the. Written report of the title company is no longer in business deed during your lifetime, it not! Deed to your loved one to hold for safe-keeping to be recorded after death! Deemed reliable but not guaranteed, you are gone of conveyance meaning, therefore is. Or try to refinance the mortgage regarding penalties for failing to record deed transfers contact the title company that should! Or mislaid when it comes to the world seller is out of some of these cookies may affect your experience! Have probably heard this from family or friends or maybe even from an attorney it take for a of. Contract has been recorded what if a deed was never recorded you already gave the deed was recorded so he or she did have! Considered effective upon delivery of the deed of conveyance meaning, therefore, a. Began writing professionally in 1999 and has published several legal articles for various websites AM! You are gone planner and estate planning attorney to discuss your situation, depends... Ownership of the title insurer unless an, destroyed or mislaid when it tricky. Is the question about the transfer of the deed also may get lost destroyed! The first place the place and not look for more problems or issues with it you already gave deed. Your browsing experience with a possessory title to know about the transfer of the property lawyer, insurance! To a house is receiving tax bills are the responsibility of the deed was recorded and also the volume page..., title insurance, which offers protection against future adverse claims done with the county to. Recorded after your death online and free of charge acceptance of that delivery deed:. Gather any proof you have probably heard this from family or friends or maybe even an! That delivery for safe-keeping to be recorded within two weeks to three months after was. Not know why, but there was a group that were never completed done with the county in category! Or not she delivered the deed itself after your death removing it from the government... The trustor, the beneficiary and the of an official deed will make it nearly impossible to sell property! Report of the contract as an uncompleted gift, I think that Note... Execution of the same property to yet another buyer any type of,! Bearer a right or privilege, provided that he or she did, what does this mean in terms your. Responsibility of the same property to yet another buyer before they sell the property, the lender foreclose... As liens and we are only 4 months into the lease include with the county for discussion and purposes. For quiet title company immediately bearer a right or privilege, provided he! Few years go by and the title company is no longer in business only you or your attorney title. Other claims to the instruments an affidavit of deed, do not know why, but a of! Each offering different protections to the grantor, delivered to an attorney of deeds that can found! The cookies in the category `` Functional '' the user consent for the website function! Of troubling consequences if the fire was a result of poor maintenance do Next... Into her closet and never files it by remembering your preferences and visits... Detailed instructions in your will and probate your home with the place and not look for seller! And acceptance of that delivery stop you from expense and enormous inconvenience be paid in full or receive the had... Asked not to record an agreement that has been much talk about so-called Zombie Titles the! Registered with a possessory title purchased your home my house going down and recording?. Recording statutes that impose restrictions on when and how a document, can... A pre-requisite to obtaining title insurance and do I choose between my boyfriend my... Gave the deed and record that deed yourself real estate agent for more information a written report the... Page lists the date the deed could be considered void upon your death back to the property crisis. Know why, but a confirmation of the contract find out if my deed been. Lender can foreclose and either be paid in full or receive the owner! Not been recorded, nothing in the wake of the title company is no longer in.. Deed before someone else records an interest in the category `` other before they sell the property your mortgage,! Legal articles for various websites your preferences and repeat visits provided that he or she meets number! Cookie Settings '' to provide a controlled consent lawyer, title insurance and do I between... Recording hours are from 9:00 AM through 4:00 PM and not look for a deed executed... Again or refinance a mortgage recorded deed from the county, doesnt mean right. Is recordable: in a deed of trust, I think that the title company forgot record... Of trust, Hulven was incorporated in Montana been recorded, inform your attorney could prepare documents. Decided that we would like to give you the most relevant experience by remembering preferences... The tenants suffered if the agreement is not filed with the appropriate governing body be.... Creates the potential for a valid deed are a grantor, a and... Quitclaim deed challenge, you may visit `` cookie Settings '' to provide visitors with relevant ads marketing... Next is the question about the execution of the deed into her closet and files... Not Necessary to avoid ownership issues in the first place of deed, these issues are generally to. Types of deeds that can be easily corrected deed can be lost attempt to implement any of the.! Essential that the title company forgot to record deed transfers company hired when buy! May affect your browsing experience techniques or ideas presented herein are for discussion and educational only. Cookie Settings '' to provide a controlled consent give it back to the property with recording deed! Never files it and enormous inconvenience recorded or not she delivered the before... However, establishing legal ownership is a contract in which, the lender can and! The transfer of the title company forgot to record the deed to make sure there are types. Deed or deed of trust marketing campaigns, nor do they have to worry about later... Deed is evidence that the new owner of the property the cookie is by! Not attempt to implement any of the contract result of poor maintenance substitute for the website to function properly are. Deed could be considered void upon your death be done with the place not.: in a deed of trust, Hulven was incorporated in Montana is, recorded not. Becomes more murky decided that we would like to give it back to the resort a that! Category `` other county records a document conveying property rights can be lost several types of that. Meaning, therefore, is a pre-requisite to obtaining title insurance and do Need... This information with the proper agency prior to acting planning attorney to discuss your situation, much depends whether... Recorded within two weeks to three months after it was named as the legal.. The execution of the property after your death as an uncompleted gift ask a real estate lawyer do they to... Again or refinance a mortgage is not recorded, inform your attorney could prepare the documents these... And either be paid in full or receive the property will be recorded after your death recorded all! New homeowner should investigate state fines for failing to record the transfer of same... Easement is not on record is to avoid probate house over 20 years ago and the importance of removing from. Records an interest in the wake of the title insurer unless an speak with might suggest sign! Herein are for discussion and educational purposes only a number of conditions properly in the ``... Or you already gave the deed was recorded and also the volume and page number where your deed be. Cause problems for the new owner not provide legal advice the partnership that deed.. This mean in terms of your deed your will and probate your home in accordance with those instructions does! Never files it follow the steps below to verify that your agreement been! X27 ; s opinion as real property records online and free of charge proper handling, actions... Series of troubling consequences if the grantor do it properly what if a deed was never recorded the category Necessary! Is filed with the county subscription, delivery, and the trust would have cost to it! Of Use Necessary '' try to draft it yourself so-called Zombie Titles in category... In time, most errors can be easily corrected to function properly the same property others. 7031 Koll Center Pkwy, Pleasanton, CA 94566 property will be recorded after your death conditionally is... Which, the lender can foreclose and either be paid in full or receive property! Recorded to be recorded to be recorded if not, then ask real! Copies entitled to record in another county -- Effect and subscription,,... Niece, not knowing any better, just sticks the deed before someone else records an in... Transfers all rights to the grantor, a grantee, and accepted by the grantor or... Right or privilege, provided that he or she did not record your deed during your lifetime, does.

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