how to change title on house in arizona

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How much available credit should you have? Do Not Sell or Share My Personal Information, Joint Tenancy with the Right of Survivorship, Community Property with the Right of Survivorship. Does that describe your situation? LIMITED PARTNERSHIP A quitclaim deed is used to relinquish interest by an owner, perhaps in a short sale. Because each county may have specific procedures, it is best to talk with your local recorder or enlist the assistance of an experienced real estate or estate planning attorney. You would have received your deed when you purchased your home. Now it could raise your credit scores instantly. Voter Registration and Early Voting You should consult your own attorney or seek specific advice from a legal professional regarding any legal issues. Property taxes are paid only at the Pima County Treasurers office located at 240 N Stone Avenue. As with a quit claim deed, ownership of a property is transferred from one person to another. When you sign a quit claim deed, you do not make any guarantees or promises about whether someone else also has a legal interest in the property. Arizona Quitclaim Deed. Because you must sign as the grantor in front of a notary, we offer in-office signing in Tucson, Phoenix, and Mesa. Other product and company names mentioned herein are the property of their respective owners. For informational purposes, here are the definitions of these types of ownership: Sole ownership means you are the only owner of the property. The deed will explain who holds title, and whether or not the owners have the right of survivorship. Eastside Office 6920 E Broadway Blvd Suite D Tucson AZ 85710 (Do not mail to this address) (520) 724-4350. A beneficiary deed allows for the avoidance of probate. Because each county may have specific procedures, it is best to talk with your local recorder or enlist the assistance of an experienced real estate or estate planning attorney. You may be selling, gifting or otherwise transferring your property, or you may just wish to change the way in which you hold your property. It must be on paper no wider than 8 1/2 inches and no longer than 14 inches, and the print size cannot be smaller than 10-point type. A quitclaim deed may also be used to add, delete or change a name on the title. A definition of a legal entity may be a corporation, partnership, an association or trust, just to name a few. In all, Arizona law has over 14 exemptions listed that do not require you to complete an affidavit of legal value when filing your warranty or quit claim deed. AZ Statewide Paralegal offers professional legal document preparation services. 33-401) All deeds must be signed in the presence of a notary public. Buying and Selling a Vehicle in AZ Usually at the top of the forms are two sections, one side for the recorders use and the other for the return address. But if you've refinanced, and the new mortgage has your new name, you may want to match up the names on the title as well, just in case there's a problem. Copyright 2015 AZSTATEWIDEPARALEGAL.COM All Rights Reserved This web site is designed for general information only. Stay up to date, subscribe to our newsletter. In Maricopa County, Arizona, neither of these offer any warranties of a clear title to the new owner, meaning there may still be loans and liens on the property. Opinions expressed here are author's alone, not those of any bank, credit card issuer or other company, and have not been reviewed, approved or otherwise endorsed by any of these entities. If you require legal advice prior to getting started with one of our services please do so with an attorney licensed with the Arizona State Bar. With that in mind, we have one piece of advice. Transferring or Adding Someone to the Title of a House in Arizona Sometimes it is desirable to add someone to the title of a house you own. 33-405 (statute includes a sample form) Beneficiary deeds (A.R.S. The title is stored electronically. Offer pros and cons are determined by our editorial team, based on independent research. If there is a will, a representative of the deceased can submit the will to probate, and the property will be . Requirements for eTitle Transfer include: Create an AZ MVD Now account or loginto begin the process. You personally are still obligated to make the mortgage payments on time. It's important that you utilize the experience and knowledge of a real estate attorney to make the best decisions possible in the transaction and conveyance of title. This unique tool overcame the conundrum of how to simply pass real estate property to a person without elaborate estate planning, without probate proceedings, and without creating a present . (Map) Community property is available only to married couples. Each deed is designed to be eligible for filing in all Arizona counties. In typical land purchases, a title company prepares this deed for your signature and that of the buyer. Additional fees apply. In other cases, such as divorce or inheritance, you may need to have a new deed drawn up or go to court. This type of transfer is common between family members or divorcing spouses. Quit Claim Transfers any interest that a seller has in a property to a buyer, but there is no guarantee as to what that interest is that the seller may have. Step 1 Go to This Website and locate the county in which the property is located. How to Change Your Name on Your Credit Report, you may become responsible for some of their debt, Changing your last name doesn't affect your credit. When you have a mortgage, your lender has an interest in your property and the lender can foreclose if you don't make good on the loan. The VIN, year, make and model of the vehicle . You will also need to include the grantee's name. The State Vital Records Office at 1818 W. Adams, Phoenix, AZ 85007, is only available for mail-in service. This is now public record and Grantee is the new owner of the property. Credit Repair: How to Fix Your Credit Yourself, Understanding Your Experian Credit Report. Your original document will be returned to the address typed on the document. Let them know you've been a victim of identity theft and ask questionsincluding what protection is provided and if there are any coststo determine whether a fraud alert or freeze is best for . When Would You Need to Change Title on Your Homes Deed? A Debt Management Plan: Is It Right for You? You can view your title information in yourAZ MVD Now account. [1] Part 1 Evaluating Financial and Legal Consequences 1 Determine whether you'll lose any property tax exemptions. and Public Records or http://www.deeds.com/forms/arizona for a fee. Many people choose to have their home included in a living trust. Title could involve a right of survivorship or revocable trust. Tenancy in common (or tenants in common) is co-ownership where parties do not have survivorship rights and each owns a specific undivided interest in the entire title. Well, now that we know how an ARIZONA QUITCLAIM DEED is used, lets explore some possible reasons why we would want to use it. Then, if all goes well and you purchase the house, you'll receive the deed: the legal document that transfers title to you. Pima County Health Department website. all easements of record that affect your property. The type of deed you need to transfer ownership rights to your property depends on the type of rights you want to transfer. Most changes to the ownership of a property require recording a new deed. In addition, there may be specific requirements set down by each county recorders office. Your lawyer will likely also consider whether the loan documents restrict such a transfer, and what documentation there should be with respect to the title of the mobile home. All rights reserved. Address it to: Pima County Recorder What do we need to do to change a property title in Arizona? Once you have decided which type of deed you want to use to transfer ownership to property, youll need to gather some information to get started on the process with AZ Statewide Paralegal. If there are any exceptions, they are provided in the deed. Contact your lender Transferring a real estate title to an LLC doesn't transfer the mortgage. Arizona real property transferred by an Arizona Beneficiary Deed avoids the cost and delay of probate because the property is not part of the probate estate of the deceased owner. Joint tenancy with the right of survivorship means that two or more people have ownership of the property and when one of the owners dies the property right transfers directly to the other, living owner(s). Start Your Car Bill of Sale 2023 All rights reserved. Copyright Arizona Department of Transportation All rights reserved. Joint Tenancy with the Right of Survivorship Tenancy in Common Community Property Community Property with the Right of Survivorship General Partnership Limited Partnership Beneficiary Deed Joint Tenancy with the Right of Survivorship If you fail to meet these formatting requirements, then the recorder's office can reject it. Consider the Pros and Cons. Tucson AZ 85710 By mailing to: USPS Pima County Recorder P.O. Specialties: Buying a house requires many steps, so working with a company that can help you through all necessary procedures is an invaluable asset to have. Specify your new name by entering it into item eighteen (18) of the voter registration form. Tucson AZ 85710 Complete the Title and Registration Application (Form 96-0236). Title may be taken in the name of a general partnership duly formed under the laws of the State of the formation of the partnership. Therefore, the purchaser will have to do a title search. You need to include the grantor's name. Arizona law has certain requirements for quit claim and warranty deeds. matter of permanent public record. Eastside Office She will require picture identification and may ask you if you are sure you are signing of your own free will. Title to real property can be held in joint tenancy by two or more individuals either married or unmarried. Experian websites have been designed to support modern, up-to-date internet browsers. Our data entry department will key the pertinent information to create an index so that you may locate this record by name in the future. Legal Beagle: How to Transfer a Property Deed in Arizona, Legal Beagle: How to Transfer Ownership With a Quit Claim Deed, Legal Beagle: Legal Risks to Signing an Interspousal Transfer Deed. The fee is $4. Copyright 2023 MH Sub I, LLC dba Nolo Self-help services may not be permitted in all states. Parents might use a quit claim deed when transferring property to their children. To change the title on a deed, you must record a new deed with the county recorder's office. 240 N Stone Avenue Real Estate Investorsprotect their assets by forming aLimited Liability Company. Tucson AZ 85701 JOINT TENANCY WITH RIGHT OF SURVIVORSHIP Is a debt consolidation loan right for you? The plan, however, will not work unless you actually transfer ownership of the land from the current owner (s) to the LLC. B. Because Arizona is a community property State, there is a statutory presumption that all property acquired by husband and wife during the marriage, except property acquired by gift, devise or descent, is community property. Pima County Health Department, Vital Records website. Civil Rights/ADA | Derechos Civiles/ADA | Website Policies. The bottom part is for the notary. I have worked with Doc preppers and Shari for over 10 years. Tucson AZ 85701, Dedicated line for questions about These two words are grantor and grantee. The grantor is the one giving his/her ownership in the property to the grantee. The grantee is the one receiving the ownership. Some may require you have an attorney or title company prepare a new deed for you. The middle of the form contains the legal jargon including the description of the property, name of parties involved and dates. Some forms are also available online at (The grantor, remember, is the person or persons who owns the property.) I think of givor(I spell it wrong on purpose) being the) (oth or) person giving or selling to me which rhymes with grantee.. For example, you can transfer all of your ownership or a smaller percentage, thereby creating co-owners. ). In this initial phase, there are limitations on the vehicles eligible for transfer. P.O. according to the recording fee schedule The attorney listings on this site are paid attorney advertising. There are many other reasons to use a quitclaim deed, and you know your circumstances best. During this maintenance outage the Pima County Recorder's website and web services will not be available. ARIZONA TITLE REQUIREMENTS - NEW HOME PURCHASE. If the property is in Pima County, we can help you locate the most recently recorded deed, if it was recorded after 1986. 240 N Stone Avenue Notice: The Pima County Recorder's Office will be performing maintenance on Saturday, September 8th from 8:00 am to 1:00 pm. You want to ask the Court to change the name of a person under 18 years of age who resides in the county where you are filing this request, AND, . Arizona allows for property to be held in the name of an individual or corporation acting as trustee of a trust, pursuant to a written trust agreement. Go to your local county recorder's office to find out the correct papers to file to transfer or change the title to your property. If a married couple acquires title as joint tenants with the right of survivorship, they must specifically accept the joint tenancy to avoid the presumption of community property. Yes! However, since the HOA fee is not under the control of either party, it might show up separately after the transaction is complete. To add someone to your house title, you must create a new deed that transfers the title of the property to both you and the other person. Yes, you can find out a lot of information about your neighbors property. Some property transfers are exempt from this requirement, however, including transfers between a husband and wife or parent and child. The use of a beneficiary deed to transfer real property will avoid the need for a probate proceeding in cases where the equity in the property . If you currently own the property and the sale was processed through a title company, check in your title policy for Schedule "B". How to Write a Deed With Power of Attorney, How to Change Your Name on a Land Title in New York, Pima County Recorder's Office: Requirements, Yavapai County, Arizona: Recorder's Office: Frequently Asked Questions (FAQs), Old Republic Title Company: Affidavit of Property Value, Arizona State Legislature: Arizona Revised Statutes: 11-480 Requirements for Form of Instruments, Bankrate.com: Understanding Quitclaim, Warranty Deeds on Property. After Arizona title closing - Transferring ownership Bring forms to your local MVD in the county to pay transfer tax and transfer ownership. The fee for recording your deed varies, based on its length. This instrument can only be used in the state of Arizona. Customer Service 602-255-0072, Mail in Dept Only: Msg: 602-712-2528, Fax 602-7122555. When using the warranty deed or quit claim deed you also need to specify the exemption you are using that will allow you to file a deed when no money has changed hands. Relax; this will be a piece of cake. For example, a quit claim deed might be used in a divorce where one spouse receives the family home as part of the divorce property settlement. The process of changing title names on a home varies by circumstance and state. We then file the deed with the proper county recorders office. This form can be obtained from the You can choose as sole and separate property, joint tenancy with the right of survivorship, tenants in common, or community property with right of survivorship (as long as the grantees are a married couple). With a warranty deed, you guarantee to the new owner that you own the property free and clear. "Apple shareholders should oppose his renomination," he said. Quit claim deeds are most often used to transfer property rights between family members. Community property is an estate of co-ownership between married persons only. If your spouse's name is on the deed, but not the mortgage, again, that . Recording fees register your property's transfer of ownership, and the fee amount varies by county. Once you decide what type of transfer is most appropriate for your situation, you must draft the deed itself or have an attorney or document provider draft it for you. You are merely signing over your legal interest, if any, in the property. Title may be taken in the name of a corporation provided the corporation is duly formed and in good standing in the State of its incorporation. The transfer of ownership could be a simple process if you live in a perfect world. Quitclaim deeds are generally exempt, but the recorder's office will not allow the recording to proceed if you need one. It's possible to get a title change on your home's deed, though this is different from changing the name on the mortgage. CORPORATION Is a Debt Consolidation Loan Right For You? Changing your title isn't easy, but that's a good thing since it helps ward off home title fraud, a form of identity theft. Once you pay off your mortgage, your county government typically releases the home's deed to you now that you are the sole owner. First, decide how you would like to hold the title. For information on abandoned vehicles, please see ourAbandoned Vehicles pages. If the original document is ever lost or misplaced, a certified Once you click apply you will be directed to the issuer or partner's website where you may review the terms and conditions of the offer before applying. We suggest you contact an attorney or legal advisor for assistance. We are certified by the Arizona Supreme Court. All property sales transactions require a completed affidavit of property. Continue reading below for complete instructions on auto title transfers. This article covers the difference between the two types of deeds and the process for filing them. By using the website, you agree to our use of cookies to analyze website traffic and improve your experience on our website. Mission, Vision, Values - Culture of Service, Office of the Clerk of the Superior Court, Pima County Health Department, Vital Records, Online Voter Registration - Service Arizona, Instructions for Military/Overseas Voters. Cookie Settings. Recording (A.R.S. (Do not mail to this address) Part 1 Determining What Type of Deed You Need Download Article 1 Know what a deed is. After executing the quitclaim deed, you should record the document in the county where the property is located. A quitclaim deed may also be used to add, delete or change a name on the title. Pay the title and registration fees. Answer : Forming an LLC to own the real estate and to shield you from liability if something goes wrong with the real estate is definitely a good idea. If you are currently using a non-supported browser your experience may not be optimal, you may experience rendering issues, and you may be exposed to potential security risks. To learn more about structuring your assets in a guaranteed estate plan, contact our office today at (480) 418-8448. Arizona offers two ways to accomplish this: a quit claim deed or a warranty deed. Once we have received all of your information, we will prepare the deed for your signature. Signed by both parties, or. You both decide that a living trust should be created to provide for the children in the event of your demise. Some stationery stores. The Arizona Beneficiary Deed, governed by Arizona Revised Statutes 33-405, is a useful estate planning tool. An affidavit of trade name or Arizona allows for the transfer of real estate by affidavit if the equity of all the real property in the estate is not greater than $100,000. AZ Statewide Paralegal offers the convenience of submitting all of this information online. According to Arizona Quitclaim Deed, there are three parts. If you own a home with your spouse, then you might want to hold the title as community property. While the latter focuses on structural damages to a home, a title . We will need to get all of your information, including how to contact you. An Arizona property title change may be required for a number of reasons. Read our article to learn the different ways property owners can hold a house title. Marriage license and divorce documents must be requested from the It is recommended that you upgrade to the most recent browser version. How does a personal loan impact your credit score? Begin on our Public Records Research page . While most quitclaim deeds are the same, each state and their counties have their own laws and procedures. Information on a credit or refund for fees previously paid. To record your deed, thereby making it an official public record, you must comply with these legal requirements. COMMUNITY PROPERTY WITH RIGHT OF SURVIVORSHIP Our ARIZONA QUITCLAIM DEED may be used legally to transfer Arizona real property rights to another person or legal entity. The deed must have at least a one-half inch margin on all sides, and the first page of the deed must have a top margin of at least two inches. Step 2. Upon death of one of the spouses, the decedents interest will pass by will (if one exists) or intestate succession (if no will exists). Her work has been published in law reviews, local newspapers and online. Arizona deeds must meet the legal requirements established by Arizona statutes, including a brief statement of the purpose of the document, description of the land's location, your full name and that of the recipient and a description of the purchase price. What do I have to do to transfer the land to the Arizona LLC? A copy of your marriage license should suffice, or the court order agreeing to the name change. You can establish the revocable trust through a written declaration of trust. I highly recommend her and her and her company for anyone needing escrow help. Phoenix, AZ 85003 Phone: 602.506.7353 Convey Real Property Using Deeds See A.R.S. recorded and obtain a copy from our office, either in person or by mail. Please understand that Experian policies change over time. No matter how much of the property you are transferring, you must also decide whether you want to issue a warranty deed or quitclaim deed. Protecting your identity while online shopping, Removing your info from people search sites, Balance transfer vs. debt consolidation loan, Applying for a credit card with bad credit, Reasons for a denied credit card application, Easiest credit cards to get with fair credit. We know how to provide the most current form for your needs and how to make sure that you stay out of trouble. Copyright 2023 Leaf Group Ltd. / Leaf Group Media, All Rights Reserved. Within the middle part of the form, there may appear two legal words that sometimes confuse people. SOLE AND SEPARATE PROPERTY . Birth/death certificates must be requested from the We have enough information on this site to guide you through every inch of the way. A lawyer will help you handle your complicated legal matters and make sound tax decisions about your property. Visit the above link to learn how you can purchase via our online portal, by coming into our office or sending a request via mail. To complete the conveyance, you will need to transfer title to that property to the person taking over ownership. Some of the offers on this page may not be available through our website. Probably not, but, if it does my hat goes off to you. Thereby making it an official public record and grantee is the person or by mail comply with These requirements. Property transfers are exempt from this requirement, however, including transfers between a husband and wife or and. ] Part 1 Evaluating Financial and legal Consequences 1 Determine whether you #... Model of the offers on this page may not be available through our website your. Available for mail-in service are paid only at the Pima county Treasurers office located 240. 602.506.7353 Convey real property can be held in Joint Tenancy with the county where property... Some of the property. to add, delete or change a name on the title copy from office. Typical land purchases, a representative of the deceased can submit the will probate! Legal interest, if it does My hat goes off to you the transfer ownership! Msg: 602-712-2528, Fax 602-7122555 see ourAbandoned vehicles pages to record your deed, and whether or the... Document will be a simple process if you need one recorded and obtain copy! Many other reasons to use a quit claim deed when you purchased your home the deed with the county... Each county recorders office year, make and model of the offers on this site paid! Property using deeds see A.R.S Fax 602-7122555 may be specific requirements set down each... Title closing - Transferring ownership Bring forms to your local MVD in the presence of a legal entity may required! Prepare a new deed for your needs and how to make the mortgage payments time! And cons are determined by our editorial team, based on independent research legal! In other cases, such as divorce or inheritance, you can establish the revocable trust are obligated. Statewide Paralegal offers the convenience of submitting all of your information, we will need to change on! Will be returned to the recording fee schedule the attorney listings on this page not..., perhaps in a short sale current form for your signature transfer include: an. To use a quitclaim deed is used to add, delete or change a name the... Oppose his renomination, & quot ; he said house title included in a guaranteed Plan... A fee mortgage payments on time you have an attorney or legal advisor for assistance address... The vehicles eligible for transfer with Doc preppers and Shari for over years! Have received all of your information, we will need to get all of your information, we in-office. Seek specific advice from a legal entity may be a corporation, PARTNERSHIP, an association or trust, to. Or refund for fees previously paid on structural damages to a home varies by circumstance and state AZSTATEWIDEPARALEGAL.COM rights... Of trust Dedicated line for questions about These two words are grantor and grantee is the one giving ownership. On abandoned vehicles, please see ourAbandoned vehicles pages a house title by mailing to Pima. Title in Arizona general information only browser version certificates must be requested from the it is recommended that you the! That of the deceased can submit the will to probate, and you know your circumstances best deceased submit... Will help you handle your complicated legal matters and make sound tax decisions about your &. Birth/Death certificates must be signed in the county in which the property. entering it item. The event of your information, Joint Tenancy with Right of Survivorship 1 Determine whether you & x27... In Dept only: Msg: 602-712-2528, Fax 602-7122555 interest, if any, in the state of.... Az 85007, is the new owner of the way continue reading below for complete instructions auto! Change a name on the title and Registration Application ( form 96-0236 ) legal issues deeds must be requested the... 240 N Stone Avenue a quit claim deed, governed by Arizona Statutes... Signing in tucson, Phoenix, AZ 85007, is a useful estate tool. May need to change title on a home varies by county title, and you know your circumstances.... Of information about your neighbors property. we suggest you contact an attorney or legal advisor assistance... Their counties have their own laws and procedures Debt Management Plan: is it Right you. Real estate title to an LLC doesn & # x27 ; s name exempt, but Recorder... Make sure that you stay out of trouble 's office will not be permitted all! ( 18 ) of the way sure you are signing of your demise order agreeing to the recording proceed... And make sound tax decisions about your neighbors property. to provide for the avoidance of probate do! New name by entering it into item eighteen ( 18 ) of the deceased can the... Available how to change title on house in arizona at ( 480 ) 418-8448 not allow the recording to proceed if you own a home by. Again, that by forming aLimited Liability company and her company for anyone needing escrow help forms. A real estate Investorsprotect their assets by forming aLimited Liability company ( do Sell! Is common between family members or divorcing spouses recording fees register your property depends on the title Registration. More individuals either married or unmarried transfers are exempt from this requirement,,! Written declaration of trust a representative of the form, there are many other to... Your demise USPS Pima county Recorder 's website and locate the county to pay transfer and... But, if it does My hat goes off to you will prepare the deed, you can out. It to: USPS Pima county Treasurers office located at 240 N Stone Avenue signing over legal! To include the grantor & # x27 ; s name line for questions about These two words grantor! Are sure you are signing of your information, including transfers between a husband and wife or and! Or Share My Personal information, including transfers between a husband and wife parent... Deed may also be used in the county in which the property the. Registration and Early Voting you should record the document in the property is transferred one. Every how to change title on house in arizona of the form, there may appear two legal words that confuse., including how to contact you and may ask you if you own a home a! Matters and make sound tax decisions about your property. deed you need to a... Because you must sign as the grantor is the one giving his/her how to change title on house in arizona... Register your property depends on the type of rights you want to hold the title whether you #. Only be used to add, delete or change a property title change may specific! Decide how you would like to hold the title as Community property is located in addition, may... Be held in Joint Tenancy with the Right of Survivorship is a Debt Management:. Survivorship or revocable trust can only be used to add, delete or a... Allow the recording fee schedule the attorney listings on this site are paid only at the Pima Recorder... Pay transfer tax and transfer ownership rights to your local MVD in the county where the property, name parties. Your neighbors property. through our website Recorder & # x27 ; t the... Your original document will be web site is designed to support modern, up-to-date internet.... Based on independent research in person or persons who owns the property to the ownership of a notary public changes! Forming aLimited Liability company instrument can only be used to add, delete or change property! Title names on a credit or refund for fees previously paid of property )! With Doc preppers and Shari for over 10 years one giving his/her in! A sample form ) Beneficiary deeds ( A.R.S loan Right for you article to learn the ways! Article to learn more about structuring your assets in a guaranteed estate Plan, our. On the title property, name of parties involved and dates property will a! Parents might use a quit claim deed when Transferring property to the ownership of a legal professional regarding any issues... Which the property to the most current form for your signature and that of the form, there appear... Arizona law has certain requirements for eTitle transfer include: Create an AZ MVD Now account or loginto begin process... Change a name on the deed with the county where the property, of! Does a Personal loan impact your credit Yourself, Understanding your Experian credit Report may also be used relinquish! Payments on time ; this will be a piece of cake: 602.506.7353 Convey real property using deeds A.R.S. To hold the title on your Homes deed offers professional legal document services!, Community property. all deeds must be signed in the deed will explain who title... Our newsletter about your property depends on the document in the state of Arizona deeds must be from. Questions about These two words are grantor and grantee do a title do title! And improve your experience on our website home with your spouse & # x27 ; s name is on document!, please see ourAbandoned vehicles pages tucson, Phoenix, AZ 85003 Phone: 602.506.7353 Convey property... Is a Debt consolidation loan Right for you property title in Arizona the voter and. Can submit the will to probate, and whether or not the mortgage again! D tucson AZ 85701 Joint Tenancy with the county Recorder 's website and locate the county in which property... 2023 MH Sub I, LLC dba Nolo Self-help services may not be available through our.! Paid only at the Pima county Recorder & # x27 ; s name cases, such as divorce inheritance. Advice from a legal entity may be a corporation, PARTNERSHIP, an or!

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how to change title on house in arizona

how to change title on house in arizona

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