Under What Circumstances Would Property Be Subject to Ancillary Probate?

When managing an estate, few things are as frustrating as discovering that a loved oneโ€™s property requires ancillary probateโ€”a secondary legal process that adds time, cost, and complexity. But what triggers this requirement, and how can you avoid it? Letโ€™s break down the key scenarios where ancillary probate comes into play and what you need to know in 2025.

What Is Ancillary Probate?

Ancillary probate is a legal process required when a deceased person (the decedent) owned property in a state outside their primary residence. For example:

  • A Florida resident owns a vacation home in Arizona.
  • A New York citizen holds a rental property in Georgia.

The primary probate occurs in the decedentโ€™s home state (their domicile), while ancillary probate handles the out-of-state assets.

4 Common Circumstances Requiring Ancillary Probate

1. Out-of-State Real Estate

The #1 trigger for ancillary probate is owning real property (homes, land, rental units) in another state.

Example: A Texas resident with a cabin in Colorado must file ancillary probate in Colorado to transfer ownership.

Why? Real estate is governed by the laws of the state where itโ€™s located.

2. Vehicles or Boats Registered Elsewhere

Cars, boats, or planes titled in another state may require ancillary probate if not jointly owned or covered by a TOD (Transfer-on-Death) designation.

Example: A Michigan residentโ€™s vintage car stored in Nevada.

Related article for you:
How Much Does a Probate Judge Make? 2025 Salary Guide

Under What Circumstances Would Property Be Subject to Ancillary Probate?

3. Business Interests in Multiple States

Ownership stakes in LLCs, partnerships, or physical business locations (e.g., a second office in another state) can trigger ancillary filings.

4. Lack of Estate Planning Tools

If the decedent didnโ€™t use a trust, joint ownership, or beneficiary deeds, even small properties may face ancillary probate.

When Is Ancillary Probate Not Required?

  • Assets with designated beneficiaries (e.g., life insurance, retirement accounts).
  • Property held in a living trust.
  • Jointly owned property with rights of survivorship (e.g., spouses co-owning a home).

The Hidden Costs of Ancillary Probate

  • Double the Work: Separate court filings, notices, and executor appointments in each state.
  • Delays: Ancillary probate can add 6โ€“12 months to estate settlement.
  • Legal Fees: Hiring attorneys in multiple states may cost $3,000โ€“$10,000+ extra.
  • Conflict Risks: Heirs in different states might challenge asset distribution.

How to Avoid Ancillary Probate?

1. Use a Revocable Living Trust

Transfer out-of-state property into the trust. The trust owns the assets, bypassing probate entirely.

2. Joint Ownership with Rights of Survivorship

Co-own property with a spouse or heir so it transfers automatically.

3. Transfer-on-Death (TOD) Deeds

Available in 30+ states, TOD deeds let you name a beneficiary for real estate.

4. State-Specific Tools

  • Lady Bird Deeds (Florida, Texas, Michigan): Retain control during life but transfer property at death.
  • Community Property Agreements (WA, CA, TX): Automatically transfer assets to a surviving spouse.

State Spotlight, Where Ancillary Probate Hits Hardest

  • Florida: Non-residents with vacation homes often face ancillary probate due to strict homestead laws.
  • California: High property values mean hefty court fees for out-of-state heirs.
  • Texas: Rural land inherited by non-residents requires ancillary filings.

FAQs

Does a will prevent ancillary probate?

No. A will still must go through probate in each state where property is located.

Can I sell out-of-state property before ancillary probate?

Usually not. The court must authorize the executor to sell it.

What if the decedent owned property in multiple states?

Youโ€™ll need ancillary probate in each state with property.

Key Takeaway

Ancillary probate is typically required when the deceased owned real estate or titled assets in a state outside their primary residence. Proactive estate planningโ€”like using trusts or TOD deedsโ€”can sidestep this headache.

If youโ€™re already facing ancillary probate, consult an estate planning attorney licensed in the propertyโ€™s state to streamline the process.

Need Help?

Check your stateโ€™s probate court website (e.g., Florida Courts ) or connect with a local estate planning attorney. A little planning today can save your heirs a mountain of paperwork tomorrow.

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