Estate Planning for St. Louis County, Missouri Property Owners

For most St. Louis County homeowners, the house is what drags an estate into probate. A transfer-on-death deed or a living trust keeps it out—here is how to set up either one and record it locally.

Record a TOD deedWhere to recordLocal attorneys

For a St. Louis County property owner, the biggest probate risk is the home itself. Real estate is what forces most families into the Circuit Court - Probate Division. The two tools that keep a St. Louis County home out of probate are a transfer-on-death deed recorded with the Recorder of Deeds, and a revocable living trust that holds title to the property.

Skipping this planning step means the Circuit Court - Probate Division decides who receives the property: a simple Missouri probate takes 6+ months and opens with about $115 in court filing fees. Missouri also lets owners name a transfer-on-death beneficiary on vehicle titles, which keeps cars out of the same process.

Record a Transfer-on-Death Deed in St. Louis County

A beneficiary deed names a beneficiary who receives St. Louis County property automatically at the owner's death, without probate. It is recorded with the Recorder of Deeds during the owner's lifetime and can be revoked at any time.

Before recording, a Missouri beneficiary deed is signed with notary acknowledgmentRSMo 461.003 to 461.081Verified Oct 18, 2026View source. The deed takes effect only if it is recorded before the owner's deathRSMo 461.003 to 461.081Verified Oct 18, 2026View source.

Create a Missouri TOD deed →St. Louis County signing requirements →

Where to Record Property Documents

Deeds and other real property documents for St. Louis County are recorded with the Recorder of Deeds at 41 South Central Avenue, Clayton, MO 63105. Phone: 1-314-615-7100. Hours: Monday-Thursday 8:00 AM-3:30 PM.

The Recorder of Deeds charges $26 for the first page plus $3 for each additional page. A 2-page beneficiary deed costs $29 to record in St. Louis County. No transfer tax applies to a beneficiary deed.

St. Louis County accepts electronic recording through ePN, CSC, iCounty and Simplifile.

Recording Office Record

Recorder of Deeds

St. Louis County

Hours

Monday-Thursday 8:00 AM-3:30 PM

Office

41 South Central Avenue, Clayton, MO 63105

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Fees

Recording fees

Base fee (first page)$26
Each additional page$3
Transfer tax on a TOD deedNo transfer tax applies to TOD deeds

RSMo 59.310.6(1), 59.319, 59.321, 59.800, 50.1190

Verified October 16, 2026 · Source

Estate Planning Attorneys Serving St. Louis County

FirmSt. Louis, MO

Amen, Gantner & Capriano, Your Estate Matters, L.L.C.

Serves 3 counties

Serves St. Louis County and surrounding metro communities including Ballwin, Chesterfield, and Clayton. Represents executors, personal representatives, and heirs through probate and trust administration, from creditor notification and appraisals to intestate succession and contested will disputes over validity, undue influence, and testator capacity. Runs free public estate planning seminars.

PracticesEstate PlanningTrust AdministrationProbateProbate Litigationand 5 more

Office
10733 Sunset Office Dr, Suite 425St. Louis, MO 63127

Solo PracticeSt. Charles, MO

Fennell Elder Law & Estate Planning, LLC

Serves 3 counties

St. Charles practice serving St. Charles, St. Peters, O'Fallon, Lake St. Louis, Wentzville, Maryland Heights, and St. Louis. Guides personal representatives through Missouri probate and its court filings, and helps successor trustees manage and distribute trust assets. Amy E. Fennell limits her practice to elder law and estate planning; consultations are free.

PracticesEstate PlanningTrust AdministrationProbateElder Lawand 4 more

Office
60 Hill Pointe Ct, Suite 106St. Charles, MO 63303
Free consultation

Solo PracticeSt. Louis, MO

Hoffmann Legal Services

Serves 4 counties

Law Offices of Stephen J. Hoffmann, serving St. Louis County, St. Louis City, Jefferson County, and St. Charles County. Guides executors and administrators through full administration, small-estate procedures, and petitions to determine heirship, and handles will and trust contests and removal of a personal representative. Initial consultations are free.

PracticesEstate PlanningProbateProbate LitigationTrust Litigation

Office
105 Concord Plaza, Suite 209St. Louis, MO 63128
Free consultation

FirmSt. Louis, MO

Lake Munro Attorneys at Law

Serves 2 counties

Serves the St. Louis area from Des Peres Road in St. Louis County, with a second office in St. Charles. Handles formal and small-estate probate and intestate estates, from validating the will through notifying creditors and distributing to heirs, plus will contests, guardianships, and conservatorships. Consultations are free, in-office, at home, or by video or phone.

PracticesEstate PlanningProbateProbate LitigationElder Lawand 4 more

Office
1650 Des Peres Rd, Suite 220St. Louis, MO 63131
Free consultationVirtual consultations

Solo PracticeLake Saint Louis, MO

Legacy Law Center

Serves 6 counties

Serves St. Charles County from Lake St. Louis, with offices in St. Charles and O'Fallon (by appointment). Guides executors through Missouri probate, from filing the will and creditor notice to court-approved distribution, and handles contested will and trust disputes, guardianships, and conservatorships. Founder Charles J. Moore has practiced since 2005; consultations are free.

PracticesEstate PlanningProbateProbate LitigationTrust Litigationand 4 more

Office
3401 Technology Dr, Suite 219Lake Saint Louis, MO 63367
Free consultation

FirmClayton, MO

Paule, Camazine & Blumenthal, P.C.

Serves 2 counties

Multi-practice Clayton firm on North Meramec Avenue serving St. Louis and St. Charles counties, with a St. Charles area meeting location by appointment. Its estate practice covers probate and estate administration, trust administration, estate and trust income tax returns, guardianships, and estate and gift tax planning, with attorneys from the firm's other practice groups working on each plan.

PracticesEstate PlanningTrust AdministrationProbateElder Lawand 6 more

Office
165 N Meramec Ave, Suite 110Clayton, MO 63105
See all 18 firms serving St. Louis County →

Firm listings are for informational purposes only. SimplyTrust does not endorse or recommend any specific firm or attorney. Contact firms directly to verify their current practice areas and availability.

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Legal Sources

Data sourced from Missouri statutes and official state code. How we research.

Forms for Planning Your Estate in Missouri

Free forms for planning your estate in Missouri: will, living trust, pour-over will, powers of attorney and TOD deed. Prepare each form for Missouri.

Free

Last Will and Testament

In Missouri, a will is signed before 2RSMo § 474.320Verified Oct 18, 2026View source witnesses, and a self-proving affidavit signed with it lets the court admit it without witness testimonyRSMo § 474.320Verified Oct 18, 2026View source.

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Free

Codicil to a Will

In Missouri, a codicil is signed before 2RSMo § 474.320Verified Oct 18, 2026View source witnesses, like a will, and the self-proving affidavit signed with it lets the court admit it without witness testimonyRSMo §§ 472.010(30), 474.337Verified Oct 25, 2026View source.

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Free

Healthcare Power of Attorney

Missouri requires 2RSMo § 459.015 (optional living will form only)Verified Oct 15, 2026View source witnesses and notarizationRSMo § 459.015 (optional living will form only)Verified Oct 15, 2026View source for a healthcare power of attorney.

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Free

HIPAA Release

In Missouri, a HIPAA release is the federal authorization alone: the state adds no category rule, and the document carries the elements federal law requires, among them an expiration date or an expiration event that relates to the individual45 CFR 164.508(c)(1)(v)Verified Oct 21, 2026View source.

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Free

Financial Power of Attorney

Missouri requires explicit durability language for a power of attorney to survive incapacityRSMo §§ 404.700-404.735Verified Oct 21, 2026View source, and it is signed before a notaryRSMo §§ 404.700-404.735Verified Sep 18, 2026View source.

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Free

Transfer on Death Deed

In Missouri, a beneficiary deed is signed before a notaryRSMo 461.003 to 461.081Verified Oct 18, 2026View source, then recorded with the county before the owner's deathRSMo 461.003 to 461.081Verified Oct 18, 2026View source. Missouri does not recognize a Lady Bird deed.

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Vehicle Transfer on Death

Missouri allows a transfer-on-death beneficiary designation on a vehicle titleMo. Rev. Stat. 301.681Verified Oct 21, 2026View source, filed through the Missouri Department of Revenue, Motor Vehicle Bureau using Form 108.

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Free

Living Will

In Missouri, the living will is the DeclarationMo. Rev. Stat. ch. 459, §§ 459.010-459.055 (Declarations, Life Support) and § 459.250 (Advance Health Care Directives Registry)Verified Sep 27, 2026View source, a document of its own, apart from the healthcare power of attorney.

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Tools for Planning Your Estate in Missouri

Free tools for planning your estate in Missouri: will and trust costs, trust or TOD deed, and the signing rules. Run each tool for Missouri and read its answer.

How Do I Sign Estate Documents?

In Missouri, a will is signed before 2RSMo § 474.320Verified Oct 18, 2026View source witnesses, and notarization is not requiredRSMo § 474.320Verified Oct 18, 2026View source.

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Will My Estate Documents Transfer?

Missouri recognizes a will signed under the law of the place where it was signedRSMo § 474.360Verified Oct 18, 2026View source; a will signed in Missouri itself needs 2RSMo § 474.320Verified Oct 18, 2026View source witnesses, and notarization is not requiredRSMo § 474.320Verified Oct 18, 2026View source.

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Trust or Will: Which Costs Less?

In Missouri, a will-based plan pays probate attorney fees set by statute as a percentage of the gross estateRSMo § 473.153(3) (statutory minimum: 5% first $5K, 4% next $20K, 3% next $75K, 2.75% next $300K, 2.5% next $600K, 2% over $1M); § 473.153(1) (base: personal property administered)Verified Sep 8, 2026View source; a funded revocable trust keeps those assets out of probate and off that fee.

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How Much Does a Revocable Living Trust Cost?

An attorney-prepared revocable living trust in Missouri runs $3,570Estimate: 10 hours at $357, Clio's Missouri Trusts rate; Compare Lawyer Rates, 2025 dataVerified Oct 15, 2026View source to $5,355Estimate: 15 hours at $357, Clio's Missouri Trusts rate; Compare Lawyer Rates, 2025 dataVerified Oct 15, 2026View source for an individual, against $0 to $549 up front plus a subscription with an online service.

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How Much Does a Will Cost?

An attorney-prepared will in Missouri runs $984Estimate: 3 hours at $328, Clio's Missouri Wills and Estates rate; Compare Lawyer Rates, 2025 dataVerified Oct 15, 2026View source to $1,968Estimate: 6 hours at $328, Clio's Missouri Wills and Estates rate; Compare Lawyer Rates, 2025 dataVerified Oct 15, 2026View source, against $0 to $299 up front with an online service, and probate on a $500,000 estate adds about $28,815RSMo § 473.153(3) (statutory minimum: 5% first $5K, 4% next $20K, 3% next $75K, 2.75% next $300K, 2.5% next $600K, 2% over $1M); § 473.153(1) (base: personal property administered)Verified Sep 8, 2026View source.

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How Does SimplyTrust Compare to LegalZoom, Trust & Will, and Other Services?

Compare what it costs to make a trust official across SimplyTrust, LegalZoom, Trust & Will, Rocket Lawyer, and Quicken WillMaker.

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How Do I Name a Guardian for My Minor Children?

In Missouri, a parent names a guardian for a minor child in a will or a separate signed writingMo. Rev. Stat. §§ 475.045, 475.046Verified Sep 15, 2026View source, and the nomination covers the child until the age of majority, 18Mo. Rev. Stat. § 475.010(15)Verified Sep 15, 2026View source.

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Do I Need a Revocable Trust?

Probate in Missouri takes 6 months to 12 months for a simple estate and charges attorney fees set by statute as a percentage of the gross estateRSMo § 473.153(3) (statutory minimum: 5% first $5K, 4% next $20K, 3% next $75K, 2.75% next $300K, 2.5% next $600K, 2% over $1M); § 473.153(1) (base: personal property administered)Verified Sep 8, 2026View source; assets held in a revocable trust skip both.

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