No transfer-on-death deed — Florida uses something older
Florida never adopted the Uniform Real Property Transfer on Death Act, and its only statutory transfer-on-death law covers securities, not real property. Instead, Florida homeowners use a Lady Bird deed — a common-law enhanced life estate deed — to keep property out of probate. See our full explanation of why Florida has no TOD deed and the constitutional wrinkle that can trip up a Lady Bird deed on homestead property.
Married couples get an automatic form
Under Fla. Stat. § 689.15, a conveyance to two or more people creates a tenancy in common unless survivorship is expressly stated — except for married couples, whose jointly acquired property is presumed to be held as tenants by the entirety, with automatic survivorship and complete protection from either spouse's individual creditors. See our full breakdown of Florida joint property rules, including the Florida Supreme Court case behind that presumption.
Bank accounts follow the same married-couple pattern
Under § 655.79, a deposit account held jointly by spouses is presumed to be a tenancy by the entirety unless the couple specifies otherwise in writing — the same protective presumption Florida applies to real estate. See our guide to Florida beneficiary and P.O.D. accounts.
Where this feeds into other Florida calculators
The probate-estate total from this tool is the starting point for Florida's probate cost and executor fee calculators, and for checking Florida's small estate procedures. Florida has no state estate or inheritance tax, so this total doesn't feed into a separate state tax calculation.