FL Decedents

Tenancies by the Entireties

• Is T by E recognized? Yes
• How shown in grant deed? “A&B, husband and wife” or now as “A&B, a married couple”. Entireties presumed if two people take title who are married and no other tenancy is mentioned. Marriage at time of taking title can be proved by recording an Affidavit of Marriage.
• Unities required for validity? Statute eliminated need for straw man conveyance where one spouse already in title, other unities required between spouses. § 689.11, Fla. Stat. Baumgardner v. Kennedy, 343 So. 2d 1323 (Fla. 3d DCA 1977); Schuler v. Claughton, 248 F.2d 528 (5th Cir. 1957); Johnson v. Landefeld, 138 Fla. 511, 189 So. 666 (1939); 25 Fla. Jur. 2d Family Law § 406 (2004); FUND TN 20.01.06. Use caution when applying this to homestead transfers prior to 1-7-69 (effective date of 1968 Fla constitution).
• Record:
  • Death Certificate
  • Affidavit of Continuous Marriage by surviving spouse or family member

Joint Tenancies (with right of survivorship)

• Recognized? Yes
• How shown in grant deed? “ “A & B, as joint tenants with rights of survivorship”
• Must survivorship be expressly stated? Yes
• Unities required for validity? Yes
• Record ….
  • Death Certificate

Potential Community Property Interest – Record owner deceased

• Not recognized in Florida

Sole Owner/Tenant in Common

• Florida Statute Section 689.15 titled, Estates by survivorship provides:
  • "The doctrine of the right of survivorship in cases of real estate and personal property held by joint tenants shall not prevail in this state; that is to say, except in cases of estates by entirety, a devise, transfer or conveyance heretofore or hereafter made to two or more shall create a tenancy in common, unless the instrument creating the estate shall expressly provide for the right of survivorship; and in cases of estates by entirety, the tenants, upon dissolution of marriage, shall become tenants in common." Accordingly, a deed to "Joe Smith and Bob Jones" creates a tenancy in common.

Non-probate options?

• Not available without express underwriting approval
  • Affidavit of heirship (when used) – Not Available in Florida
  • Judicial determination of heirs? Not used in lieu of probate, may supplement other information with underwriter approval
  • Recorded will? Not relied upon in lieu of probate.
  • Conveyance purporting to be from all heirs? Not relied upon in current transaction. It is good practice to include the recitation. Also a deed of record more than 7 years prior may be cured by F.S. 95.22 Discuss with underwriting before relying.

Probate types/options in state:

• Full Administration,
• Summary Administration (certain limitations apply), both can be done as ancillary administrations
• Order Admitting Foreign Will to Record

Conveyance by heirs/devisees

• How heirs/devisees determined of record? If there is a Will, beneficiaries are listed in the Will. See requirements to record below. If no Will, we will rely on the recorded Petition for Administration as proof of the beneficiaries. See below for documents required to be recorded.
• Obtain….
  • If there was no Will, we need to record certified copies of the following in the County where the property is located:
    • Letters of Administration
    • Petition for Administration
    • Affidavit of Estate Taxes Due (Form attached)
    • Death Certificate
    • Order Authorizing Personal Representative to Convey
  • If there was a Will, you need to record certified copies of the following in the County where the property is located:
    • Letters of Administration
    • Will
    • Order Admitting Will to Probate -
    • Affidavit of No Estate Taxes Due
    • Death Certificate, unless already recorded

Conveyance by Executor/Personal Representative

• General Rule. Always require deeds from the beneficiaries and from the personal representative. When we do not know for sure whether the property was the homestead of the decedent, we treat the property as if it was the homestead of the decedent and require deeds from the beneficiaries; and we treat it as if it was not the homestead of the decedent and require a deed from the Personal Representative.
• Record…. See above

Property held in Estate planning trust

• Original Trustee alive: Deed from Trustee individually and as trustee of the trust. Joined by spouse if married and if the property is the Trustee’s homestead.
• Original trustee Dead - See below:
• If record title is vested in a Trustee of a Trust and there is evidence that the Settlor/Trustee is dead, make the following requirements:
  • If the property was NOT the homestead of the deceased/Settlor/Trustee
    • Record a Trust Certificate for the Trust confirming the identity of the successor trustee.
    • Record a Death Certificate for Settlor/Trustee .
    • Address creditor claims and potential estate tax liens in same manner as estate
  • If the property was the homestead of ______________, deceased/Settlor/Trustee of the _______________ Trust dated _____________, and if _________________, Settlor/Trustee was survived by a spouse and no minor children, the following will be required:
    • Deed from ___________________, individually and as successor Trustee of the ___________Trust, joined by spouse if subject property is the homestead of the successor Trustee to ____________________, purchaser.
    • Deed from _______________, the surviving spouse of the deceased Settlor/Trustee to ____________________, purchaser.
    • Deeds from ________________________, the lineal descendants [children of the deceased Settlor/Trustee and children of deceased children of the Settlor/Trustee] of the deceased Settlor/Trustee to ____________________, purchaser.
      • Note regarding requirement : deeds from the lineal descendants of ________________, deceased Settlor/Trustee will not be necessary if the Trust expressly provides that on the death of ________________, Settlor/Trustee of the ______________ Trust, that title to a 100% interest the homestead property goes to the surviving spouse of the deceased Settlor/Trustee.
    • If the deeds required from lineal descendants are necessary, record an Affidavit of Heirship from the surviving spouse of the deceased Settlor/Trustee and from the children of the deceased Settlor/Trustee confirming that they are all of the children [and children of deceased children, if applicable], of the deceased Settlor/Trustee of the __________________________ Trust.
    • Record a Trust Certificate for the _______________ Trust dated _____________.
    • Record a Death Certificate for ______________, Settlor/Trustee of the _______________ Trust dated _____________.
  • If the property was the homestead of ______________, Settlor/Trustee of the _______________ Trust dated _____________, and if _________________, Settlor/Trustee was survived by a spouse and minor children, the following will be required:
    • Deed from ___________________, individually and as successor Trustee of the ________________ Trust, joined by spouse if subject property is the homestead of the successor Trustee to ____________________, purchaser.
    • Deed from _______________, surviving spouse of the deceased Settlor/Trustee to ____________________, purchaser.
    • Deed(s) from ______________________, the Judicially Appointed Guardian for _________________________ , the minor children of _________________ , deceased Settlor/Trustee to ____________________, purchaser.
    • Record a certified copy of the Letters of Guardianship for _________________ the Guardian of ____________________.
    • Record a certified copy of the Guardianship Order Authorizing the conveyance of the subject property by the Guardian for ____________________________________ .
    • Record a Trust Certificate for the _______________ Trust dated _____________.
    • Record an Affidavit of Heirship from the surviving spouse of the deceased Settlor/Trustee and from the Guardian for the minor children of the deceased Trustee confirming that those minor children are all of the children of the deceased Settlor/Trustee of the ________________ Trust.
    • Record Death Certificate for ______________, Settlor/Trustee of the __________________ Trust dated _____________ .