Many Washington homeowners think adding a child to the deed is a simple way to avoid probate, make inheritance easier, or “keep the house in the family.” On paper, it may seem easy: prepare a deed, sign it, record it, and your child is now on title.
But adding a child to your deed can create serious legal, tax, estate planning, creditor, mortgage, and family problems. Once your child becomes a co-owner, the transfer may be difficult to undo without their cooperation. What feels like a simple property transfer today can become a complicated title issue years later.