North Carolina Quitclaim Deed

Notice: Quitclaim sees limited use in North Carolina; many title insurers require counsel approval or prefer a Special Warranty Deed for insured closings. Not legal advice.
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What Is a North Carolina Non-Warranty Deed?

A North Carolina non-warranty deed is a legal instrument used to transfer whatever interest a person (the grantor) currently holds in real property to another person (the grantee), without making any guarantees about the title's status. Unlike a warranty deed, a non-warranty deed offers no protection against prior liens, encumbrances, or ownership disputes. If the grantor does not actually own the property, the grantee receives nothing, and they cannot sue the grantor for a defective title.

When to Use a Non-Warranty Deed in North Carolina

Because they lack title warranties, non-warranty deeds are generally not used in traditional real estate sales between strangers. Instead, they are typically used in situations where the parties know and trust each other. Common scenarios in North Carolina include:

  • Transferring real estate between family members, such as from parents to children.
  • Adding or removing a spouse from a property title during marriage or after a divorce.
  • Moving personally held real estate into a living trust or an LLC for estate planning or business purposes.
  • Clearing up a "cloud" on the title by having someone relinquish any potential claim they might have to the property.

North Carolina Requirements for Non-Warranty Deeds

  • Signing: Only the grantor (current owner) is required to sign the deed. The grantee does not need to sign.
  • Notarization: The grantor's signature must be acknowledged before a notary public.
  • Witnesses: North Carolina law requires 1 witness to sign the deed in addition to the notary public.
  • Recording: The completed deed must be filed with the County Register of Deeds in the county where the property is located.
  • Transfer Tax / Recording Fees: The transfer tax in North Carolina is $1.00 per $500 (excise tax). Recording fees vary by county.
  • Legal Description: A valid legal description of the property is required.

Non-Warranty Deed vs Warranty Deed in North Carolina

While a non-warranty deed only transfers the interest the grantor currently holds, a North Carolina warranty deed includes explicit promises that the grantor actually owns the property free and clear of hidden liens or claims. Buyers in traditional property sales strongly prefer warranty deeds because they provide legal recourse if a title issue arises later. A non-warranty deed, by contrast, transfers the property "as is."

Frequently Asked Questions

Do I need an attorney to file a non-warranty deed in North Carolina?

No, North Carolina does not legally require an attorney to prepare or file a non-warranty deed. However, consulting a local attorney is highly recommended to ensure the legal description is accurate and to understand tax implications.

Where do I record a North Carolina non-warranty deed?

You must record the deed with the County Register of Deeds in the specific county where the land is physically located.

Does a non-warranty deed transfer my mortgage?

No. A non-warranty deed transfers ownership of the property, but it does not transfer the financial obligation of a mortgage. If your name is on the mortgage, you remain responsible for the debt.

Are there transfer taxes on North Carolina non-warranty deeds?

The transfer tax is $1.00 per $500 (excise tax). Certain transfers between family members may be exempt depending on local rules.

What happens if I don't record my non-warranty deed?

While an unrecorded deed is generally valid between the grantor and grantee, it is not protected against third parties. If the grantor attempts to sell the property to someone else, or if a creditor places a lien on the grantor's property, the unrecorded deed may not protect your ownership interest.