---
title: "Virginia Transfer-on-Death Deed | Funding LTC Marketplace"
url: https://fundingltcmarketplace.com/states/virginia/transfer-on-death-deed/
description: "Virginia authorizes a recorded, revocable transfer-on-death deed, but its effect after death must be considered alongside expanded estate recovery."
last_updated: 2026-10-20
author: George A. Mellendorf, CLTC, LTCP (Central States Insurance Services, Inc.)
publisher: Funding LTC Marketplace
note: Educational content; not legal, tax or financial advice. Markdown copy of the HTML page at the URL above.
---
Virginia · Asset Protection Tool

# Virginia Transfer-on-Death Deed

Last updated 2026-10-20

Virginia has adopted the Uniform Real Property Transfer on Death Act, which lets an individual transfer property to one or more beneficiaries effective at the moment of their death through a transfer-on-death deed. This is Virginia's own statutory TOD deed — not Florida's enhanced life-estate deed — so its requirements and consequences need to be read under Virginia law specifically, rather than borrowed from another state's rules (Virginia Code § 64.2-624).

For the deed to be valid, it has to carry all the formalities of a recordable inter vivos deed, state explicitly that the transfer takes effect at the transferor's death, and actually be recorded in the correct circuit-court land records before the transferor dies. If the property has joint owners, every one of them has to sign for the deed to be effective — and a form that's signed but never recorded before death simply doesn't satisfy the statute (Virginia Code § 64.2-628).

## Sources and official resources

- [Virginia Administrative Code: 12VAC30-60-302, Access to Medicaid-funded long-term care](https://law.lis.virginia.gov/admincode/title12/agency30/chapter60/section302/)
- [U.S. Code: 42 U.S.C. § 1396p (liens, estate recovery, transfers of assets, Partnership disregard)](https://www.law.cornell.edu/uscode/text/42/1396p)
- [CMS: 2026 SSI and Spousal Impoverishment Standards](https://www.medicaid.gov/federal-policy-guidance/downloads/cib04272026.pdf)

Rules and figures change. Confirm current details with the agency before you act.

[← Back to the full Virginia guide](https://fundingltcmarketplace.com/states/virginia/)