A deed transfers ownership of real estate. The type of deed determines what promises the seller makes about the title.
General warranty deed
The seller promises that they own the property free of problems and will defend the title against claims, even those that arose before they owned it. It offers the strongest protection to buyers.
Special or grant deed
The seller promises only that they have not caused any title problems during their ownership. Many states use grant or special warranty deeds.
Quitclaim deed
The seller transfers whatever interest they have, with no promises. It is common between family members and to clear title issues. See our quitclaim deed guide.
Making a deed valid
- Include the names, legal description and consideration.
- Sign before a notary and any required witnesses.
- Deliver it to the buyer.
- Record it with the county recorder.
- Consider title insurance and a lawyer for sales.
Frequently asked questions
Which deed should I use?
It depends on the transaction and risk.
Does a deed remove a mortgage?
No. The loan stays unless paid off.