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What Is A Quitclaim Deed And How Does It Work?

4-Minute Read
Published on September 24, 2021

When transferring property from one person to another, a deed is required. A deed is a legal document that transfers ownership from the previous owner to the new owner. There are a number of types of deeds to utilize if you’re looking to transfer ownership. Those looking for a quick and cost-effective method should explore an option referred to as a quitclaim deed.

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What Is A Quitclaim Deed?

A quitclaim deed can be one of the simplest methods of transferring real property to a new owner. In other words, the property owner (also known as the grantor) can offer this type of deed and transfer the entire interest in the property to the recipient, or the grantee. Although there may be money involved in this transaction, it’s not a requirement. Also, there’s no need for title insurance and no title search is conducted to verify the property owner. As such, a quitclaim deed is often used for transferring properties between spouses or other family members. It is sometimes colloquially called a “quick claim deed” because it’s a fast way to execute a property transfer.

Whereas a general warranty deed or even a special warranty deed offers some protection for the grantee, the quitclaim deed offers the property “as-is.” What this means is that there aren’t any warranties, such as claims that the title is free and clear of any encumbrances like restrictions or liens. That’s why it’s important to learn how quitclaim deeds work before you get property this way.

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What Is The Purpose Of A Quitclaim Deed?

In addition to transferring property between family members, a quitclaim deed can be useful for removing a name from a property title and clearing a title defect.

Transferring Property Between Family Members

Quitclaim deeds are one of the most popular ways to transfer property to family members since it’s often the case that no money is involved and both parties trust each other. For example, a quitclaim deed may be used if your aging parents want to transfer their real property to you, or if your brother decides to divide up his portion and give you some of it. Some choose to place their real estate property in a family trust, so a quitclaim deed is a legal document that can be used in this scenario when it’s transferred to the future owner.

Quitclaim deeds are also used when an owner gets married and wants to add a spouse’s name to the title or deed, or when the owners get divorced and one spouse’s name is removed from the title or deed.

Removing An Ex-Spouse From A Property Title

In the event of a divorce, grantors can remove their ex-spouse’s name from the property deed or title. A title insurance company may want to ensure that the potential owner (in this case, an ex-spouse) doesn’t try to claim ownership in the future.

However, both you and your ex-spouse will continue to have your names on the mortgage even if you file a quitclaim deed. If you wish to have the name of your ex-spouse removed, you’ll need to refinance the mortgage.

Clearing A Title Defect

Perhaps you found out that there’s a cloud on a property’s title. What this means is there is an unreleased lien, claim or document that could make the property title seem invalid. In this case, you can initiate a quitclaim deed, which will release the interest in the property so that you’ve essentially cleared your title.

Some examples of a cloud on a title include a foreclosed property where the owner who defaulted on their mortgage might have claims to their home, or there are probate issues – that is, documents could be lost over time, which can raise questions about who legally owns the property. Having the previous owner sign a quitclaim deed can ensure that the new owner has complete title.

What Are The Repercussions Of A Quitclaim Deed?

While a quitclaim deed can be a quick and easy way to transfer property, it’s not always the best option. As we’ve mentioned above, this type of deed doesn’t guarantee that there aren’t liens or interests that could affect the property.

If you find out that there are other people or entities with a claim to the property, there could be legal and financial implications. It doesn’t even necessarily guarantee that the person doing the quitclaim has a right to the property. They’re just granting you whatever ownership they have (or don’t).

In some states, transferring the title to a new owner can trigger tax payments, even if you’re simply gifting property to someone. This is where it’s best to speak with a real estate professional to see whether a quitclaim deed is the best choice, or whether you can add verbiage that can exempt the grantee from the transfer tax. Consult a real estate attorney and/or tax professional in your area.

Quitclaim Deed FAQs

Here are some more frequently asked questions about quitclaim deeds.

When does a quitclaim deed take effect?

Once the quitclaim deed is signed by the grantor and accepted by the grantee, it’s considered legal and effective. However, some counties in the U.S. require that the grantee sign as well.

How do I file a quitclaim deed?

You can typically find free templates online. To be sure the form has all necessary information, you can consult an attorney before signing. Once complete, you’ll need to register it with the county clerk’s or county recorder’s office and check with your local county office to make sure you’ve complied with their rules and regulations.

How long is a quitclaim deed good for?

A quitclaim deed does not expire once it’s in effect. However, there is a statute of limitations in most states in which the quitclaim deed can be contested.

The Bottom Line: Quitclaim Deeds Are A Quick Way To Transfer Property

A quitclaim deed can be the most effective way to transfer property, remove a grantor’s name or fix a cloud on the current title. If you’ve carefully assessed your options, and it makes sense to do so, then you’ll want to ensure that all steps are taken care of when filling out and filing your deed.

However, if you’re transferring to or receiving property from someone you don’t trust completely, you might want to reconsider – it could prevent headaches in the future. If you’re unsure what to do, we recommend you speak with a real estate attorney or tax professional to give you insight into the best course of action.

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Miranda Crace

Miranda Crace is a Senior Section Editor for the Rocket Companies, bringing a wealth of knowledge about mortgages, personal finance, real estate, and personal loans for over 10 years. Miranda is dedicated to advancing financial literacy and empowering individuals to achieve their financial and homeownership goals. She graduated from Wayne State University where she studied PR Writing, Film Production, and Film Editing. Her creative talents shine through her contributions to the popular video series "Home Lore" and "The Red Desk," which were nominated for the prestigious Shorty Awards. In her spare time, Miranda enjoys traveling, actively engages in the entrepreneurial community, and savors a perfectly brewed cup of coffee.