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A Michigan property sale typically involves reviewing the purchase agreement, checking title, resolving liens, preparing and signing a deed, and recording it with the register of deeds in the county where the property is located. A title company often coordinates the closing, title search, and title insurance.
Buyers and sellers should also confirm how property taxes, utilities, and other costs will be handled at closing. After a transfer, the buyer generally must file a Property Transfer Affidavit with the local assessor within 45 days.
Michigan generally does not require a lawyer for a standard residential closing. A lawyer can review documents, explain legal risks, and address issues that a title company’s closing services may not cover.
Seller Disclosure Act, 1993 PA 92: This law generally requires a seller of covered residential property to provide a disclosure statement before the buyer becomes bound by the sale agreement. The Act took effect October 1, 1993, and includes exceptions for certain transfers and properties.
Land Division Act, 1967 PA 288: This Act governs dividing land into parcels and sets requirements that can affect whether a proposed division is permitted. Local government review may also be required, so a proposed split should be checked before a sale or new parcel description is prepared.
Condominium Act, 1978 PA 59: This law governs Michigan condominium projects, including their creation and operation. For a condominium purchase or sale, the Act and the project’s recorded documents can affect the buyer’s rights and obligations.
Michigan generally does not require buyers or sellers to hire a lawyer for a residential closing. A lawyer may be especially helpful if the contract, title, property condition, or ownership arrangements are complicated.
A lawyer can review or negotiate the purchase agreement, investigate legal issues in the title, and advise on the deed and closing documents. The lawyer can also help address disputes or explain obligations that may continue after closing.
Many financed home purchases take about 30 to 60 days from an accepted offer to closing, but timing varies. Financing, inspections, title problems, required repairs, and coordination among the parties can extend the process.
Fees vary by lawyer, location, and the work required; some charge a flat fee for a defined closing service, while others bill hourly. Ask for a written estimate and clarify whether title, recording, and other third-party charges are separate.
The deed may be prepared by a lawyer or another qualified closing professional, depending on the transaction. It must meet Michigan requirements and is recorded with the register of deeds in the county where the property is located.
A title search reviews public records for matters affecting ownership, such as recorded mortgages, liens, easements, and prior deeds. Identifying problems before closing can help the parties resolve them and determine what title insurance will cover.
For covered residential sales, the Seller Disclosure Act generally requires the seller to provide a written statement about the property’s condition before the buyer is bound by the agreement. The statement is not a substitute for inspections, and statutory exceptions apply to some transfers.
The buyer generally must file it with the assessor for the city or township where the property is located within 45 days after the transfer. The filing helps the assessor update property records and determine taxable value under Michigan law.
Michigan imposes state and county real estate transfer taxes on many transfers, subject to statutory exemptions. The amount and who pays should be confirmed for the particular transaction, since the deed and circumstances can affect the tax due.
Yes. A cash purchase does not require lender approval, but the buyer should still review the contract, title, property condition, and closing documents. A title company may still coordinate the closing and offer title insurance.
Review the condominium documents, association rules, financial information, assessments, and any recorded restrictions that apply to the unit. A lawyer can help identify obligations or limitations that may not be clear from the listing or purchase agreement.
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The information provided on this page is for general informational purposes only and does not constitute legal advice. While we strive to ensure the accuracy and relevance of the content, legal information may change over time, and interpretations of the law can vary. You should always consult with a qualified legal professional for advice specific to your situation.
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