## Facts

- In 1938, real estate was deeded to Gustav, Agnes, Ida, and Frieda Grassman “as joint tenants.”
- Gustav and Frieda later died, leaving Agnes and Ida as the remaining joint tenants.
- Ida executed and recorded a deed conveying the property from herself as grantor to herself as grantee.
- The deed stated it was made to dissolve rights of survivorship under the earlier joint-tenancy deed.
- Agnes had no knowledge of Ida’s deed during Agnes’s lifetime.
- After Agnes died, Minonk State Bank, as administrator of Agnes’s estate, asserted the deed severed the joint tenancy, leaving Agnes and Ida as tenants in common, with Agnes owning an undivided one-half interest.
- Ida claimed she remained the sole surviving joint tenant and therefore owned the entire property by survivorship.

## Issues

1. Whether a joint tenant may unilaterally sever a joint tenancy by executing and recording a deed conveying her interest to herself.
2. Whether prior Illinois decisions and section 1b of the Joint Rights and Obligations Act barred severance by self-conveyance.
3. Whether lack of notice to the other joint tenant affects the validity or effectiveness of a unilateral severance.

## Decision

- The Illinois Supreme Court affirmed the appellate court.
- The court held that a joint tenant may unilaterally sever a joint tenancy through a conveyance to herself when the deed is executed and recorded.
- Ida’s deed terminated the joint tenancy and converted the parties’ interests into a tenancy in common.
- Agnes therefore died owning an undivided one-half interest, and survivorship did not vest the entire title in Ida.

## Legal Principles

- Joint tenancy survivorship is contingent and may be destroyed by a unilateral act that severs a unity, including alienation of a joint tenant’s interest.
- A deed from a joint tenant to herself may be an effective method of severance; use of a third-party “straw” grantee is not required.
- Severance does not require the consent, participation, or knowledge of the non-severing joint tenant; execution and recording of a severing conveyance can be sufficient.
- Prior case law and statutory provisions governing joint tenancy do not foreclose unilateral severance by a recorded self-conveyance when the instrument shows intent to end survivorship.

## Conclusion

The court ruled that a joint tenant can terminate survivorship and sever a joint tenancy without the other tenant’s consent or knowledge by executing and recording a deed to herself that clearly manifests an intent to end the joint tenancy, resulting in a tenancy in common.


Minonk State Bank v. Grassman, 95 Ill. 2d 392 (Ill. 1983)