In Florida, life estate interests refer to property rights that are based on the lifetime of the grantee or recipient. These interests can be established through a deed, conveyed through a last will and testament, or automatically distributed as part of the homestead to a surviving spouse who is not on the property title. However, it is crucial to understand the differences between life estates created by different methods, such as Lady Bird Deeds or Enhanced Life Estate Deeds, last wills and testaments, or homestead descent. This article aims to shed light on the rights and obligations of life tenants and remaindermen in Florida.

Life Tenants and Remaindermen

The individuals who inherit a property after the life estate holder’s passing are known as remaindermen. Depending on the method used to create the life estate, there can be significant disparities in the rights and responsibilities of life tenants and remaindermen. For instance, a Lady Bird Deed or Enhanced Life Estate Deed facilitates an automatic transfer of title to the vested remainder upon the grantor’s death. These deeds typically protect the remaindermen from liability for any property damage caused by the life tenant and allow the grantor to mortgage or reconvey the property. On the contrary, other life estates established through different means do not offer such protections.

Obligations of Life Tenants

In the absence of specific language in the deed, a life tenant has an obligation to maintain the property and prevent any waste. Failure to fulfill these responsibilities can expose the life tenant to liability from the remaindermen. This issue often arises in probate situations, where a surviving spouse inherits a property with a life estate. The relationship between the life tenant and the remaindermen can become contentious. Therefore, it is vital for both life tenants and remaindermen to be familiar with the obligations imposed by Florida law.

Rights of Life Tenants

A life tenant has exclusive use and possession of the property during their lifetime. They can also derive rental income or profits from the property. The right to a life estate does not necessarily require the life tenant to reside in the property. Instead, it grants them the use of the property for their lifetime, allowing them to choose to rent it out.

Obligations of Life Tenants: Upkeep and Avoidance of Waste

One drawback of holding a life estate in Florida is the liability of the life tenant for property upkeep and the obligation to avoid waste. In simple terms, the life tenant is responsible for making essential repairs to preserve the property, paying the interest on any outstanding mortgages, and property taxes. However, paying the principal is not mandatory, and the life tenant may seek contributions from the remaindermen for principal payments.

Rights of Remaindermen: Protection and Repairs

Remaindermen have legal standing to take action against the life tenant if they witness the property falling into disrepair. They can initiate legal proceedings to obtain a security interest in the property, ensure necessary repairs are undertaken, and compel the life tenant to make payments. In the case of hurricane damage, remaindermen also have the right to compel repairs.


Whether you hold a life estate or are a remainderman, it is crucial to understand the rights and obligations associated with these property interests in Florida. If you have any questions or concerns regarding the issues discussed in this article, our firm specializes in litigating property disputes throughout the state and offers free, no-obligation consultations.

  • Brice Zoecklein, Esq.

Life Estate in Florida

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