Rhode Island general warranty deed
Here is what Rhode Island actually requires on a general warranty deed. The witness rules, the notary block, the margins, the forms that have to travel with it, and where to record it, plus what the deed does and does not do.
- Recording office
- City or Town Clerk (Land Evidence Records)
- Witnesses
- Notary only
- Transfer tax
- $2.30 per $500 of consideration
- First-page margin
- 3″ top
- Recording fee
- ~$84 first page
- E-recording
- Generally available
What a general warranty deed does in Rhode Island
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.
When Rhode Island property owners 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 Rhode Island requires on the deed
These are the execution and formatting rules city and town clerks enforce. Getting any of them wrong is the usual reason a deed comes back in the mail.
| Requirement | What Rhode Island says |
|---|---|
| Recording office | City or Town Clerk (Land Evidence Records) |
| 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, 3-inch top margin on the first page, 1-inch elsewhere, 10pt minimum type. |
How to complete and record it in Rhode Island
- Find your current deedYou need the legal description from it, word for word. If you can't find your copy, the City or Town Clerk (Land Evidence Records) 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 Rhode Island's statutory language, the correct notary block, and the 3-inch first-page margin city and town clerks 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 City or Town Clerk (Land Evidence Records)File in the town 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.
- Update 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 Rhode Island
| Cost | Typical amount |
|---|---|
| Recording fee | About $84 for the first page |
| Transfer tax | Real estate conveyance tax: $2.30 per $500 of consideration |
| 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 |
Rhode Island charges a real estate conveyance tax of $2.30 per $500 of consideration. It is customarily paid by the grantor.
Exemptions that commonly apply to a transfer like this: transfers between spouses, gifts with no consideration, and transfers to or from a revocable trust. You have to claim the exemption. The recorder won't apply it for you.
Where to record it in Rhode Island
Rhode Island deeds are recorded with the City or Town Clerk (Land Evidence Records) in the town where the property sits, not where you live. There are 39 towns in Rhode Island.
Most Rhode Island recording offices accept e-recording through vendors such as Simplifile, CSC, or ePN, which is usually same-day. Check your town's website for the list it works with.
Recording offices we cover in Rhode Island: Providence, Cranston, Warwick, Pawtucket, East Providence, Woonsocket. See all Rhode Island 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 Rhode Island law that catch people out
- Rhode Island records deeds with the CITY or TOWN clerk. There are 39 separate land evidence offices and no county recorders.
- Rhode Island does not recognize transfer-on-death deeds.
- Tenancy by the entirety is available for married couples.
- Rhode Island's conveyance tax is $2.30 per $500 of consideration.
How to hold title in Rhode Island
When two or more people take title in Rhode Island 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 Rhode Island: tenancy by the entirety (married couples only), joint tenancy with right of survivorship, and tenancy in common.
$69, one time. Your finished deed appears in full before you pay, with Rhode Island's witness rules, margins, and recording instructions already applied.
Common questions
No. Rhode Island 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 City or Town Clerk (Land Evidence Records). 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 $84 for the first page. Rhode Island also charges real estate conveyance tax of $2.30 per $500 of consideration, though gifts and family transfers are often exempt. Typical figure. Counties set their own fees. Confirm with your recorder before mailing.
No. Rhode Island 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 City or Town Clerk (Land Evidence Records) in the town where the property is located, not where you live, and not where the buyer lives. Rhode Island has 39 towns. Most offices also accept e-recording through a submitting service.
No, and this is the single most common misunderstanding about deeds. A deed changes who owns the property. The mortgage is a separate contract with the lender, and only a refinance or a written release from the lender removes a borrower. Someone can be off the deed and still fully liable on the loan.
Keep reading
- Rhode Island quitclaim deedTransfers whatever interest you have in a property, with no promises about the title.
- Rhode Island special warranty deedTransfers ownership, but only guarantees the title for the period you owned it.
- Rhode Island life estate deedYou keep the right to live in the property for life; named remaindermen own it after you.
- Rhode Island gift deedTransfers property to someone as an outright gift, for no payment.
- All deed rules for Rhode IslandRecording offices, transfer tax, witness rules, and fees.
- Rhode Island recording officesWhere to file in each town.
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.