California general warranty deed

What a general warranty deed does in California

A general warranty deed transfers ownership and adds the full set of title covenants: the grantor promises they own the property, have the right to sell it, that it is free of undisclosed encumbrances, and that they will defend the title against any claim, including claims that arose long before they owned it. It is the standard instrument for an arm's-length sale between private parties.

The California law behind this deed

Start with Cal. Civ. Code § 1113 if you want to read the statute's own language. The table below lists the main statutes behind the rules on this page.

When California homeowners use a general warranty deed

• Sell a property directly to a buyer without an agent
• Transfer a property where the buyer expects full title protection
• Satisfy a purchase contract that calls for a warranty deed
• Convey property where a title company requires warranty covenants

What California requires on the deed

These are the execution and formatting rules county recorders enforce. Getting any of them wrong is the usual reason a deed comes back in the mail.

How to complete and record it in California

1. 1Find your current deedYou need the legal description from it, word for word. If you can't find your copy, the County Recorder (Clerk-Recorder) can provide one, usually for a few dollars.
2. 2Identify 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.
3. 3Complete the deedDeedly builds it with the wording, notary certificate, and 2.5-inch first-page margin used for California deeds.
4. 4Sign in front of a notaryBring photo ID. Wait to sign until you are in front of the notary: you have to appear before the notary anyway, and signing there leaves no question about who signed.
5. 5Record it with the County Recorder (Clerk-Recorder)File in the county where the property is located and pay the recording fee. California counties e-record only through authorized submitters under contract with the county, such as title companies, lenders, government agencies and other approved submitters (Cal. Gov. Code § 27390 et seq.). If you prepare your own deed, plan to record it in person or by mail, or ask a title or escrow company to submit it for a fee. Keep the stamped receipt. It fixes your priority date.
6. 6Update insurance and tax recordsA change of ownership can affect your homeowner's policy, your homestead or senior exemption, and in some states the assessed value. Do this within a few weeks.

What it costs in California

California's documentary transfer tax is $0.55 per $500 of consideration in a county that imposes it, plus any city tax ($1.10 per $1,000 at the county rate). California has no state transfer tax. Counties and city-and-counties impose this tax by ordinance, and a city inside a county that imposes it may impose half that amount, credited against the county tax (Cal. Rev. & Tax. Code § 11911). Charter cities set their own rates, and the rates in Los Angeles, San Francisco, Oakland and Berkeley are substantially higher; ask your county recorder what applies to your property. The tax is owed by whoever makes, signs or issues the deed, or for whose use or benefit it is made, so either party can be liable (§ 11912). The gift and living trust exemptions come from Rev. & Tax. Code § 11930, the divorce exemption from § 11927. Transfers between spouses are also excluded from property tax reassessment (Rev. & Tax. Code § 63), which is a separate rule from this tax.

Exemptions that commonly apply to a transfer like this: gifts for which the grantor receives nothing in return, transfers into or out of a living trust, and transfers between spouses that divide their property under a divorce or legal separation judgment or a written agreement made for one (the deed must carry a signed recital). You have to claim the exemption. The recorder won't apply it for you.

Where to record it in California

California deeds are recorded with the County Recorder (Clerk-Recorder) in the county where the property sits, not where you live. There are 58 counties in California.

California counties e-record only through authorized submitters under contract with the county, such as title companies, lenders, government agencies and other approved submitters (Cal. Gov. Code § 27390 et seq.). If you prepare your own deed, plan to record it in person or by mail, or ask a title or escrow company to submit it for a fee.

Recording offices we cover in California: Los Angeles, San Diego, Orange, Riverside, San Bernardino, Santa Clara, Alameda, Sacramento, Contra Costa, Fresno, Kern, Ventura. See all California recording offices.

What a general warranty deed does NOT do

Being honest about the limits is more useful than a sales pitch. Every one of these catches somebody out.

• The covenants only bind the grantor personally. If they have no assets, a covenant claim may be worth little.
• It does not replace title insurance or a title search. It gives you a claim after the fact, not clean title today.
• It does not avoid probate and cannot be revoked once delivered and recorded.
• Signing one when you don't actually know the property's history exposes you to real liability. Where that is a concern, a special warranty deed is the safer instrument.

Quirks of California law that catch people out

• California's grant deed, not a general warranty deed, is the standard sale instrument. It carries two implied covenants under Civ. Code § 1113.
• A California transfer on death deed must be recorded within 60 days of the date it is notarized. Miss that window and the deed is void, even if it is otherwise perfect.
• A California TOD deed has needed TWO witnesses as well as a notary since January 1, 2022. No ordinary California deed requires witnesses, so this requirement is easy to miss, and a TOD deed without two witnesses has no effect (Prob. Code § 5624). Do not use a beneficiary as one of the witnesses.
• California's TOD deed statute is currently set to expire on January 1, 2032. A deed signed before that date stays valid.
• The TOD deed works only for a parcel improved with one to four residential units, or a residential unit in a condominium, planned development, stock cooperative or other common interest development (Prob. Code § 5610). It cannot be used for bare land, commercial property, or agricultural land over 40 acres.
• File a Preliminary Change of Ownership Report (BOE-502-A, signed by the new owner) with a deed that conveys ownership now. It is not a condition of recording: without it the recorder adds a $20 fee (Rev. & Tax. Code § 480.3), and the assessor sends a change-in-ownership statement that must be returned within 90 days to avoid a penalty (§ 480). A transfer on death deed needs no report when it is recorded.
• Keep the top 2.5 inches of page one clear except for the requester and return-address block in its left 3.5 inches (Gov. Code § 27361.6). If page one doesn't comply, the recorder requires an added cover page and charges for the extra page.
• Appear before the notary in person. California notaries cannot notarize remotely until the Secretary of State's online system is ready, by January 1, 2030 at the latest. If you sign outside California, the notary there completes their own state's acknowledgment certificate, which California accepts (Civ. Code § 1189(b)); ask your recorder before relying on a remote notarization from another state.
• A transfer to your child can reset the property tax. Proposition 19 avoids that only for a parent's principal residence that becomes the child's principal residence within one year, with the homeowners' exemption filed within a year, and only for up to $1,000,000 of value above the current taxable value. The child must file the claim (BOE-19-P) with the county assessor, generally within three years (Rev. & Tax. Code § 63.2). This is a property tax rule, not a transfer tax exemption.

How to hold title in California

When two or more people take title in California and the deed says nothing more, the law presumes a tenancy in common, which means no automatic survivorship. If you want the survivor to take the whole property, the words have to be on the deed. Forms of co-ownership available in California: joint tenancy with right of survivorship, tenancy in common, community property, and community property with right of survivorship.