Do I Need a Transfer on Death Deed in Missouri?

Missouri authorizes transfer on death deedsRSMo 461.003 to 461.081Verified Oct 17, 2026View source: a recorded, revocable deed that passes real property at death outside probate.

Yes. Missouri allows beneficiary deedsRSMo 461.003 to 461.081Verified Oct 17, 2026View source. The deed names a beneficiary for real property, is recorded during the owner's life, and passes the property at death without probate.

A beneficiary deed in Missouri requires notary acknowledgmentRSMo 461.003 to 461.081Verified Oct 18, 2026View source. The signed deed must be recorded at the county recorder of deeds before death to take effectRSMo 461.003 to 461.081Verified Oct 18, 2026View source. Must be filed of record with the recorder of deeds in the city or county where the property is situated prior to the death of the owner. Consideration and delivery to the beneficiary are not required. St. Louis City is an independent city (not part of any county) with its own Recorder of Deeds. RSMo 461.025.

Yes. A beneficiary deed is revocable at any time during the owner's life, and Missouri revokes one by: Recording a written revocation of the beneficiary deed, executed and filed with the same recorder of deeds before the owner's death; Recording a subsequent beneficiary deed for the same property; Inter vivos conveyance of the property; Dissolution or annulment of marriage (revokes transfer to former spouse or relative of former spouse)RSMo 461.033; RSMo 461.051Verified Oct 17, 2026View source. A will cannot revoke it.

Missouri allows beneficiary deeds for all types of real property, including homes, land, condominiums, and commercial propertiesRSMo 461.003 to 461.081Verified Oct 17, 2026View source.

Yes. Missouri allows multiple beneficiaries on a beneficiary deedRSMo 461.003 to 461.081Verified Oct 17, 2026View source; they take title as tenants in common unless the deed says otherwise. A successor beneficiary can be named to take if a primary beneficiary dies first.

Forms for Planning Your Estate in Missouri

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

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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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Financial Power of Attorney

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

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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.

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Vehicle Transfer on Death

Name a beneficiary to inherit your vehicle at death without probate. Available in 26 states and the District of Columbia.

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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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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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Tools for Planning Your Estate in Missouri

Free tools for planning your estate in Missouri: what a will or trust costs, whether you need a trust or TOD deed, and how documents are signed.

Do I Need a Vehicle TOD?

Missouri allows a transfer-on-death beneficiary designation on a vehicle titleMo. Rev. Stat. 301.681Verified Aug 25, 2026View source, filed through the Missouri Department of Revenue, Motor Vehicle Bureau using Form 108.

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What Does Estate Planning Actually Cost?

An attorney-prepared revocable 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 and a simple will $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 $549 up front plus a subscription with an online service.

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How Much Life Insurance Do I Need?

In Missouri, four years at a public university cost about $82,516NCES Digest of Education Statistics 2023, Table 330.20, public 4-year in-state tuition, fees, room and board, academic year 2022-23Verified Oct 17, 2026View source and the cost of living is 9% below the U.S. averageBEA Regional Price Parities, all items, by state, 2024Verified Oct 17, 2026View source; no state estate or inheritance tax appliesMo. Rev. Stat. §§ 145.011, 145.1000; Mo. Dept. of Revenue, Estate Tax (no Missouri estate tax imposed; no return required for deaths on or after Jan. 1, 2005)Verified Sep 15, 2026View source.

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Are My Beneficiary Designations Protected?

Missouri automatically revokes an ex-spouse as beneficiary at divorceMo. Rev. Stat. § 461.051Verified Sep 15, 2026View source; employer plans under ERISA follow federal rules either way, so a 401(k) beneficiary changes only by a new designation.

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How Do I Sign Estate Documents?

Find witness, notary, and remote signing requirements for all 50 states.

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Will My Estate Documents Transfer?

Check if estate planning documents signed in one state are valid in another.

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How Much Does Probate Cost?

Probate on a $500,000 estate in Missouri costs an estimated $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; where reasonable compensation exceeds the minimum the court shall allow additional compensation — extraordinary services not required). Per § 473.153(1) the base is personal property administered plus proceeds of court-ordered real property sales; unsold real property is excluded.Verified Sep 8, 2026View source. Attorney fees are statutory (set by law)RSMo § 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; where reasonable compensation exceeds the minimum the court shall allow additional compensation — extraordinary services not required). Per § 473.153(1) the base is personal property administered plus proceeds of court-ordered real property sales; unsold real property is excluded.Verified Sep 8, 2026View source.

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Who Inherits Without a Will?

Without a will in Missouri, a surviving spouse takes the first $20,000 plus half of the restMo. Rev. Stat. § 474.010Verified Sep 10, 2026View source when every child of either spouse is a child of both, and descendants divide what passes to them per capita with representationMo. Rev. Stat. § 474.020Verified Sep 10, 2026View source.

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Missouri Estate Planning Resources

In-depth guides covering Missouri probate laws, trust requirements, and estate planning strategies.