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NY Warranty Deed

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NEW YORK WARRANTY DEED

[Four Individuals to Five Individuals]

THIS DEED, made the day of , 20

BY AND BETWEEN:

parties of the first part, and

parties of the second part.

WITNESSETH, that the parties of the first part, in consideration of Ten Dollars and other valuable consideration paid by the parties of the second part, do hereby grant and release unto the parties of the second part, as joint tenants with the right of survivorship or as tenants in common, the heirs or successors and assigns of the parties of the second part forever,

ALL that certain plot, piece or parcel of land, with the buildings and improvements thereon erected, situate, lying and being more particularly described as:

TOGETHER with all right, title and interest, if any, of the parties of the first part of, in and to any streets and roads abutting the above described premises to the center lines thereof; TOGETHER with the appurtenances and all the estate and rights of the parties of the first part in and to said premises; TO HAVE AND TO HOLD the premises herein granted unto the parties of the second part, the heirs or successors and assigns of the parties of the second part forever.

The parties of the first part, in compliance with Section 13 of the Lien Law, covenants that the parties of the first part will receive the consideration for this conveyance and will hold the right to receive such consideration as a trust fund to be applied first for the purpose of paying the cost of the improvement and will apply the same first to the payment of the cost of the improvement before using any part of the total of the same for any other purpose.

The parties of the first part further covenants as follows: that said parties of the first part are seized of the said premises in fee simple, and have good right to convey the same; that the parties of the second part shall quietly enjoy the said premises; that the said premises are free from encumbrances, except as aforesaid; that the parties of the first part will execute or procure any further necessary assurance of the title to said premises; and that said parties of the first part will forever warrant the title to said premises.

IN WITNESS WHEREOF, the parties of the first part have duly executed this deed the day and year first above written.

(1st Grantor’s Signature)

Type or Print Name

(2nd Grantor’s Signature)

Type or Print Name

(3rd Grantor’s Signature)

Type or Print Name

(4th Grantor’s Signature)

Type or Print Name

CERTIFICATE OF ACKNOWLEDGMENT

Individual Capacity within the State of New York for Real Property

State of New York )

) ss.:

County of )

On the day of in the year before me, the undersigned, personally appeared , personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he executed the same in his capacity, and that by his signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument.

Type/Print Name:

Individual Capacity Outside the State of New York for Real Property

State of )

) ss.:

County of )

On the day of in the year before me, the undersigned, personally appeared , personally known to me or proved to me on the basis of satisfactory evidence to be the individual whose name is subscribed to the within instrument and acknowledged to me that he executed the same in his capacity, and that by his signature on the instrument, the individual, or the person upon behalf of which the individual acted, executed the instrument and that such individual made such appearance before the undersigned in the (insert the city or other political subdivision and the State or country or other place the acknowledgment was taken).

Type/Print Name:

EXHIBIT A

Enter text✕

What an NY Warranty Deed Is and when it’s used

A New York Warranty Deed is a legal instrument by which a grantor transfers real property ownership to a grantee and provides explicit covenants that the title is free from undisclosed encumbrances. It conveys full warranty of title, meaning the grantor guarantees to defend the grantee against prior claims and defects. In New York the deed must include an accurate legal description, show consideration, be signed by the grantor, and contain a proper notary acknowledgement to be recordable in county land records. Recording creates public notice and preserves priority against later claims.

Why a Warranty Deed matters for property buyers and lenders

A Warranty Deed transfers ownership with express title guarantees that reduce purchaser risk and simplify title insurance and lending processes. The deed’s covenants provide contractual rights of remedy if earlier defects are later discovered, improving marketability and lender confidence.

Why a Warranty Deed matters for property buyers and lenders

Who commonly completes or signs an NY Warranty Deed

Various parties interact with a Warranty Deed at different stages of a real estate transaction.

  • Buyers and home purchasers who need assurance of clear title and strong post-closing protections.
  • Sellers and grantors transferring fee simple title and offering warranty covenants to the buyer.
  • Lenders and title insurers who rely on recorded deeds to establish lien priority and underwriting.

Each participant has distinct responsibilities — sellers must provide accurate disclosures, buyers should confirm recording, and lenders often require title searches and insurance.

Filling out an NY Warranty Deed: step-by-step

Follow these core steps in order to complete and make the deed recordable.

  • 01
    Prepare document: Use a template with standard warranty covenants and full legal description.
  • 02
    Complete fields: Enter grantor, grantee, consideration, and precise legal description.
  • 03
    Sign and notarize: Grantor signs before a notary and acknowledgement is completed.
  • 04
    Record deed: Submit original to county recording office and pay recording fees.

Configuring an online completion workflow

Set up a digital flow that captures signatures, notarization, and the recording copy.

Field Configuration
Grantor signature Required | signer-authentication recommended
Notary acknowledgement KBA or RON workflow | audio-video recording if remote
Document attachments Include prior deed and survey | PDF format
Final delivery Generate recorded copy | PDF/A for archives

Where the completed deed goes after signing

Recording and distribution follow a predictable path to protect title and notify interested parties.

  • County recorder: Original deed filed to create public record and establish priority.
  • Title insurer: Supply recorded deed copy for closing package and policy issuance.
  • Lender: Lender receives recorded mortgage and deed for loan file.
  • Parties: Buyer and seller retain certified copies for their records.

Digital signing and eSubmission considerations

Ensure the eSigning platform supports required authentication, notarization workflows, and PDF output compatible with county recording standards.

  • File formats: Support for PDF and PDF/A ensures the recorded copy meets county requirements.
  • Notary support: Platform should support in-person notary flows and RON where permitted.
  • Audit trail: Maintain timestamps, IP, and signer attribution for record evidence.

Validate that the vendor integrates with your title company or recorder procedures, supports secure storage, and provides tamper-evident signed PDFs compatible with county indexing and title insurer requirements.

Recording and timing expectations for NY Warranty Deeds

Timely recording preserves priority and prevents subsequent claims from taking precedence over your interest.

Execution date:

Sign and notarize prior to recording; execution date appears on recorded document.

Recording window:

Record promptly after closing to establish priority against later instruments.

Title policy timing:

Title insurer typically requires recorded deed copy before issuing final policy.

Tax assessment:

County tax records updated after recording; timing varies by county.

Mortgage lien priority:

Recording date determines lien priority relative to other recorded instruments.

Key milestones from signing to recorded title

A sequential view of the principal processing stages for an NY Warranty Deed.

01

Signing and notarization

Grantor signs before notary; acknowledgement completed.

02

Deliver to recorder

Submit original to county clerk or recorder for filing.

03

Payment of fees

Pay applicable recording and transfer taxes at submission.

04

Return of recorded copy

Recorder returns stamped original; distribute certified copies to parties.

Common pitfalls when preparing a warranty deed

  • Using an incomplete legal description or street address only; leads to recording rejection and title ambiguity.
  • Entering mismatched party names between deed and supporting IDs or prior documents; delays clearing title.
  • Failing to obtain the notary acknowledgement or incorrect notary wording; deed becomes non-recordable.
  • Neglecting to check for required witness signatures where state law mandates them; invalidates recordability in some counties.

Consequences of errors or omissions

Recording rejection: County will refuse improper documents.
Title defects: Undisclosed issues may survive closing.
Lien priority loss: Late recording can reduce priority.
Insurance delays: Title policy issuance may be withheld.
Additional costs: Corrective instruments and attorney fees.
Legal disputes: Potential litigation to clear title.

Essential information to include on the deed

Grantor: Full legal name
Grantee: Full legal name
Consideration: Exact amount or recital
Legal description: Recorded metes-and-bounds
Execution date: MM/DD/YYYY format
Notary block: Official acknowledgement

Comparison of eSignature vendor pricing and capabilities

Key pricing and capability distinctions for handling deeds and supporting documents; signNow is listed first for comparison consistency.

signNow DocuSign Adobe Sign PandaDoc HelloSign
Starting Price $8/user/mo $15/user/mo $14/user/mo $19/user/mo $15/user/mo
Free Trial 7-day free trial No No No No
Bulk Send Yes (Premium) Yes Yes Yes Yes
Audit Trail Yes Yes Yes Yes Yes
HIPAA Compliant Yes Yes Yes No No

Real-world examples showing how online workflows assist deed processing

These examples illustrate practical benefits when a secure eSignature platform is integrated into property transactions.

Optica Ventures LLC

A midmarket investor digitized closing packages to speed title transfer

  • Reduced turnaround by consolidating signatures across remote stakeholders
  • The recorded deed was delivered to title and lender faster, reducing post-closing follow-up and administrative rework.

Martin Properties

A small real estate firm moved closings online to accommodate remote buyers

  • Enabled remote notarization where permitted
  • Faster signings and a complete audit trail simplified lender review and title insurer requirements at closing.

Frequently asked questions about NY Warranty Deeds

Answers to common questions about execution, recording, eSigning, and legal validity for Warranty Deeds in New York.


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