Joint Tenancy Explained: Unveiling the Intricacies of Property Ownership in Missouri

Property ownership may take on several forms, and understanding these types can make a significant difference in estate planning and asset management. This article will discuss one crucial concept—joint tenancy—and its implications under Missouri law.

1. What is Joint Tenancy?

Joint tenancy is a form of property ownership where two or more individuals hold an undivided right to a property. In essence, each person owns the entire property rather than a specified "share" of it.

2. Right of Survivorship: The Defining Feature of Joint Tenancy

One of the defining characteristics of joint tenancy is the 'right of survivorship.' This principle means that if one joint tenant passes away, their interest in the property automatically passes to the surviving joint tenants, regardless of any contrary provisions in a will or trust.

3. Creation of Joint Tenancy in Missouri

Missouri law requires that certain conditions be met to establish a joint tenancy. These conditions are often referred to as the "four unities":

A. Unity of Interest: Each tenant must have an equal interest in the property.

B. Unity of Title: The interests of all the tenants must originate from the same deed or will.

C. Unity of Possession: Each tenant has an equal right to possess the entire property.

D. Unity of Time: All tenants must acquire their interest in the property at the same time.

In addition to these, Missouri law requires express language in the deed stating that the property is being taken in joint tenancy or as joint tenants with the right of survivorship.

4. Benefits and Drawbacks of Joint Tenancy

Joint tenancy provides a simple way to ensure property passes seamlessly to surviving owners upon a co-owner's death, bypassing probate. It's often used by married couples, as it allows a seamless transfer of property rights.

However, joint tenancy can also present challenges. For example, since each tenant has an equal right to the property, one tenant can't sell or give away their portion without the consent of the others. Additionally, creditors of any tenant can place a lien on the property, potentially affecting all owners.

5. Joint Tenancy and Estate Planning

While joint tenancy offers benefits, it's crucial to consider its potential impact on an overall estate plan. It's recommended to consult an experienced estate planning attorney to understand how joint tenancy can fit into your personalized estate strategy.


Understanding joint tenancy is crucial when planning your estate and managing your assets. By comprehending its workings under Missouri law, you can make informed decisions that best serve your property ownership and estate planning goals.