Find legal forms, law schools, and legal resources
(Typical legal consultation: $79–$149)
An Connecticut warranty deed is a legal instrument that transfers real estate ownership while providing the highest level of protection to the buyer. The seller (grantor) legally guarantees that they hold clear title, have the right to convey it, and that the property is free of undisclosed liens. If a title defect from the property's history is discovered later, the buyer can hold the seller liable.
An Connecticut warranty deed holds the seller financially responsible for any past title defects, providing the buyer with maximum protection. In contrast, a quitclaim deed offers zero protection, as the seller only transfers their current interest without any guarantees.
Yes, a warranty deed can be challenged in Connecticut courts on grounds such as fraud, duress, undue influence, lack of capacity, or improper execution. Connecticut's statute of limitations for real property claims is typically 15 years, though specific claims may have shorter deadlines. An attorney can advise on the applicable time limits.
While not legally required, title insurance is strongly recommended even with a warranty deed. In Connecticut, most lenders require title insurance as a condition of the mortgage. The warranty deed provides a legal guarantee from the seller, but title insurance ensures you have a financially backed remedy if a defect is discovered after closing.
You must take the original, notarized deed to the Town Clerk in the jurisdiction where the property is physically located and pay the required recording fee.
No, a deed only transfers the property title. It does not eliminate your financial obligation to pay an existing mortgage. You remain responsible for the loan unless the lender explicitly agrees to a refinance or assumption.
0.75% (seller pays); conveyance tax. Additional local recording fees also apply when filing the deed.
Yes, you can draft your own deed as long as it strictly adheres to Connecticut's legal requirements for formatting, legal description, and notarization.
