How to Add Someone to a Mortgage Deed in Florida

A deed for a house provides ownership information about the property, including the location and names of the owners. Florida state legal statutes allow homeowners to add other parties, such as new spouses, relatives or business partners, to a deed through their county's deed assessor or property records office. However, property that is encumbered by a mortgage requires you to receive the permission of the lender before you can add someone.

Read your mortgage documents to determine if the lender placed a "due on sale" clause which limits you from conveying any ownership, also called "interest," to any other party. If so, you must contact the lender to receive permission to add someone to the deed.

Download a blank copy of the Florida General Warranty Deed form from your county's deed assessor or property records department. Florida General Warranty Deed forms may also be available at your county courthouse or office supply stores.

Complete the form with the date, your name, the name of the person you are adding to the deed and the address of the property, including the county in which the property is located, the lot number and the parcel number. Do not sign the form.

Go to a notary public to have the document notarized. Both parties must provide the notary with photo identification, such a driver's license or passport. Sign the deed form in the presence of the notary to receive the raised seal that proves the notary witnessed the agreement.

File the deed form at your county's deed assessor or property records department. Pay the filing fee, which is $25 to $40 depending on your county. The deed is official once you pay the filing fee.

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About the Author

Lauren Treadwell studied finance at Western Governors University and is an associate of the National Association of Personal Financial Advisors. Treadwell provides content to a number of prominent organizations, including Wise Bread, FindLaw and Discover Financial. As a high school student, she offered financial literacy lessons to fellow students.