Colorado transfer on death deed
A transfer on death deed lets you name who inherits your Colorado property without probate, while you keep full ownership and the right to change your mind. Here is exactly what Colorado requires, what it costs, and where to file it.
- Recording office
- County Clerk and Recorder
- Witnesses
- Notary only
- Transfer tax
- $0.01 per $100 of consideration
- First-page margin
- 1″ top
- Recording fee
- ~$13 first page
- E-recording
- Generally available
What a transfer on death deed does in Colorado
A transfer-on-death deed (a beneficiary deed in Arizona, Arkansas, Colorado, Missouri and New Mexico) names the person who should receive your real estate when you die. You record it now, but it transfers nothing until death: you keep full ownership, you can sell or mortgage the property, and you can revoke the deed at any time without your beneficiary's consent. When you die, the property passes outside probate on proof of death.
In Colorado the governing statute is C.R.S. § 15-15-401 et seq. Colorado requires the beneficiary deed to be recorded before the owner's death in the county where the property sits.
When Colorado homeowners use a transfer on death deed
- Leave a house to your children without probate
- Keep real estate out of a will contest
- Get probate avoidance without paying for a full living trust
- Name a backup beneficiary in case your first choice dies first
- Revoke or change an earlier beneficiary designation
What Colorado requires on the deed
These are the execution and formatting rules county clerks and recorders enforce. Getting any of them wrong is the usual reason a deed comes back in the mail.
| Requirement | What Colorado says |
|---|---|
| Recording office | County Clerk and Recorder |
| Notarization | Required. Every signature must be made in the notary's presence. |
| Witnesses | None required. A notarial acknowledgment is enough. |
| Legal description | Required, copied exactly from the prior recorded deed. A street address is not sufficient. |
| Grantee's address | Must appear on the face of the deed. |
| Return address | A 'when recorded, return to' block is required. |
| Preparer statement | Not required, but customary. |
| Prior deed reference | Not required, though it keeps the chain of title clean. |
| Page setup | 8.5 × 11 in, 1-inch top margin on the first page, 0.5-inch elsewhere, 10pt minimum type. |
| Timing | Must be recorded before the owner's death. Recording it afterwards has no effect. |
How to complete and record it in Colorado
- Find your current deedYou need the legal description from it, word for word. If you can't find your copy, the County Clerk and Recorder can provide one, usually for a few dollars.
- Identify everyone by full legal nameNames must match the current deed and government ID exactly, middle names included. A mismatch creates a gap in the chain of title that shows up years later at closing.
- Complete the deedDeedly builds it with Colorado's statutory language, the correct notary block, and the 1-inch first-page margin county clerks and recorders expect.
- Sign in front of a notaryBring photo ID. Do not sign in advance. The signature has to be made in the notary's presence.
- Record it with the County Clerk and RecorderFile in the county where the property is located and pay the recording fee. Most offices in this state also accept e-recording, which is usually same-day. Keep the stamped receipt. It fixes your priority date.
- Tell your beneficiaries where it isAfter your death they will need the recorded document plus a certified death certificate, and in most states an affidavit of death, to complete the transfer.
What it costs in Colorado
| Cost | Typical amount |
|---|---|
| Recording fee | About $13 for the first page plus about $5 per additional page |
| Transfer tax | Documentary fee: $0.01 per $100 of consideration (0.01%), only when consideration exceeds $500 |
| Notary | Typically $5–$25 per signature; often free at your bank |
| Deedly | $69, one time |
| Attorney (for comparison) | $300–$1,200 for the same statutory document |
Colorado charges a documentary fee of $0.01 per $100 of consideration (0.01%), only when consideration exceeds $500. It is customarily paid by the grantee. Cities and counties may add their own on top, so check the municipality rather than just the county.
Exemptions that commonly apply to a transfer like this: transfers with consideration of $500 or less and gifts with no consideration. You have to claim the exemption. The recorder won't apply it for you.
Where to record it in Colorado
Colorado deeds are recorded with the County Clerk and Recorder in the county where the property sits, not where you live. There are 64 counties in Colorado.
Most Colorado recording offices accept e-recording through vendors such as Simplifile, CSC, or ePN, which is usually same-day. Check your county's website for the list it works with.
Recording offices we cover in Colorado: El Paso, Denver, Arapahoe, Jefferson, Adams, Douglas, Larimer, Weld, Boulder. See all Colorado recording offices.
What a transfer on death deed does NOT do
Being honest about the limits is more useful than a sales pitch. Every one of these catches somebody out.
- Only about thirty states plus DC recognize it. Recording one in a state that does not accept it accomplishes nothing.
- It does not clear the mortgage. Your beneficiary takes the property subject to any loan, lien, or judgment against it.
- It doesn't protect the property from your creditors, and in many states it doesn't shield the property from Medicaid estate recovery.
- The beneficiary receives no ownership interest until you die. They cannot be added as a co-owner this way.
- If the beneficiary dies before you and you name no alternate, the deed usually fails and the property goes through probate anyway.
Quirks of Colorado law that catch people out
- Colorado calls a transfer-on-death deed a beneficiary deed (C.R.S. § 15-15-401).
- Colorado's documentary fee is unusually small, one cent per $100, and does not apply at all when consideration is $500 or less, which covers most gifts and family transfers.
- Several Colorado resort municipalities impose their own real estate transfer tax of 1–3%. Check the town, not just the county.
- Colorado's statutory warranty deed form under C.R.S. § 38-30-113 carries full covenants in a short form.
$69, one time. Your finished deed appears in full before you pay, with Colorado's witness rules, margins, and recording instructions already applied.
Common questions
No. Colorado has no requirement that an attorney prepare a deed. What matters is the correct statutory language, an accurate legal description, proper notarization, and recording with the County Clerk and Recorder. Deedly produces all of that for $69, versus roughly $300–$1,200 for an attorney to draft the same document. If ownership is disputed, the current owner has died without probate, or the transfer is tax-sensitive, use an attorney.
Expect around $13 for the first page and about $5 per additional page. Colorado also charges documentary fee of $0.01 per $100 of consideration (0.01%), only when consideration exceeds $500, though gifts and family transfers are often exempt. Typical figure. Counties set their own fees. Confirm with your recorder before mailing.
No. Colorado requires only that the grantor's signature be acknowledged before a notary public. Forms that show witness lines are usually generic templates borrowed from another state.
With the County Clerk and Recorder in the county where the property is located, not where you live, and not where the buyer lives. Colorado has 64 counties. Most offices also accept e-recording through a submitting service.
Yes. Transfer on death deeds are revocable during your lifetime. You can record a revocation, record a new one naming different beneficiaries, or simply sell the property. You don't need your beneficiary's permission for any of it.
Yes, for this property. On death the property passes directly to the people you named, outside probate, once they record proof of death with the County Clerk and Recorder. It doesn't avoid probate for anything else you own, it doesn't clear the mortgage, and it doesn't protect the property from your creditors.
Keep reading
- Colorado quitclaim deedTransfers whatever interest you have in a property, with no promises about the title.
- Colorado general warranty deedTransfers ownership with the strongest title guarantees the law allows.
- Colorado special warranty deedTransfers ownership, but only guarantees the title for the period you owned it.
- Colorado life estate deedYou keep the right to live in the property for life; named remaindermen own it after you.
- All deed rules for ColoradoRecording offices, transfer tax, witness rules, and fees.
- Colorado recording officesWhere to file in each county.
Deedly is not a law firm
We provide self-help software and state-specific statutory forms; you make your own decisions about your property. Using Deedly does not create an attorney-client relationship, and nothing here is legal advice. If your situation is complex or contested, talk to a licensed attorney in your state.