What Is a Deed, and Why Is It Important
- By Jim Blackburn
- on
- 100 first time home buyer FAQs
1. A Deed Transfers Ownership From Seller to Buyer
When you close on your home, the deed is what officially passes the property into your name. It’s signed by the seller and typically includes:
- Your name (as the new owner)
- A legal description of the property
- The name of the person or entity transferring it
Without a properly executed deed, your ownership isn’t legally recognized—even if you’ve paid in full.
2. The Deed Is Filed With the Local Government
Once signed, the deed is recorded with your county recorder or clerk’s office. This public filing creates a legal, time-stamped record that:
- Proves who owns the property
- Shows the chain of ownership
- Protects you from potential future disputes
If someone tries to claim the home or a lien appears, your recorded deed is your legal defense.
3. The Deed Is Your Proof of Ownership—Keep It Safe
After recording, you’ll receive a copy (or the original) deed. It’s smart to:
- Store it securely (digitally and physically)
- Know what kind of deed you received (e.g., warranty deed, quitclaim deed)
- Double-check that your name and property details are correct
The deed is your receipt of ownership—so treat it like your home’s birth certificate.
Want to Understand the Deed in Your Home Purchase?
Download our free “First-Time Buyer Game Plan” eBook — includes a deed glossary and closing document checklist
Chat live now to ask about your deed type, title transfer, or recording timeline
Schedule a call with a Stairway Mortgage advisor to make sure your closing paperwork is flawless.
At Stairway Mortgage, we don’t just get you the keys—
we make sure the home is truly, legally yours.
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