Probate & inherited property · Tennessee & Kentucky

You inherited a house. Now what?

A quiet, no-pressure resource for what to do with the home — from someone who's helped families through this with calm hands and honest answers.

Schedule a Confidential Conversation No pressure to list. No taking sides. No rush.
If you're skimming, read this first

You don't have to figure this out alone — or in a hurry.

If you're reading this, you've lost someone. And somewhere in the middle of all the grief and paperwork, you've been handed a house — with its own questions, its own bills, and its own weight.

I'm Lola Animashaun — a Realtor in Tennessee and Kentucky, and a retired Marine and Army veteran. I'm not your estate attorney, your tax advisor, or your therapist. I'm the person who can stand beside you with the housing piece — quietly handle whatever needs handling — so your family can focus on each other.

Below: where you probably are right now, what the probate timeline actually looks like, the paths most families consider with the house, and a checklist of what to do in the first 30 days. Take your time. There's no rush.

Where you probably are

You're not the first person to land here.

If any of this sounds like you, you're in the right place. We can start anywhere.

You inherited the house, aloneYou're the sole heir — or the named beneficiary
Multiple heirs, multiple opinionsYou and your siblings see this differently
You're out of stateThe house is here. You're not.
You haven't been in the house yetMaybe you can't bring yourself to go — and that's okay
The house needs workDeferred maintenance, decades of belongings, or both
There's still a mortgage on itPayments are due while you figure things out
You're the executorAnd everyone is asking you what to do next
Probate hasn't even started yetYou're not sure where to begin
You lost a service memberActive duty, retired, or Gold Star — military estate situations have their own layers
What happens from here

The probate timeline, in plain English.

Every state and every estate is different — but most probate cases move through these stages. Knowing where you are helps the rest make sense.

Stage 01

The petition is filed

Someone — usually the executor named in the will, or a family member if there's no will — files with the probate court to open the estate. This is the official start.

Stage 02

The executor is appointed

The court formally authorizes someone to act on behalf of the estate. They receive "Letters Testamentary" (with a will) or "Letters of Administration" (without one) — the legal authority to handle assets.

Stage 03

Notice and creditor period

Notice is published; creditors have a window to file claims against the estate. In Tennessee, this is typically four months. In Kentucky, six months. The house can usually be sold during this period if needed.

Stage 04

Inventory and valuation

Assets are inventoried, including the house. This is when getting a current market valuation matters — for the court, for any heirs, and for tax purposes (the step-up in basis).

Stage 05

Debts paid, assets distributed

Valid debts and taxes are paid from the estate. Remaining assets — including proceeds from the home if it was sold — are distributed to heirs according to the will or state law.

Stage 06

Probate closes

The executor files a final accounting. The court approves. The estate is officially closed. From start to finish, this typically takes 6–18 months — sometimes longer for complex estates.

A house is rarely just a house. It holds the people who lived there.

What to do with the house

Most families land on one of four paths.

There's no universal right answer. The right path depends on your timeline, your family, the condition of the home, and what each heir actually wants.

Path One
01

Sell during probate

Often the right answer when there's still a mortgage, the house needs significant work, or the heirs need the proceeds. Your probate attorney coordinates the legal piece; I handle the listing, marketing, and closing. Proceeds go to the estate and get distributed once probate concludes.

Best when You want momentum, the house is costing the estate money to hold, or the family is aligned on selling.
Path Two
02

Sell after probate closes

Once probate is fully concluded and title is in the heirs' names, you can list and sell like any normal property. Slightly cleaner from a paperwork standpoint, but you're carrying the home's costs (and the emotional weight) through the entire probate period.

Best when You want time to clear out the home, the estate has the cash to carry the property, or you're waiting for the market to favor sellers.
Path Three
03

One heir keeps the home

One of you wants to live in it, hold onto it for sentimental reasons, or take it over as your primary residence. They buy out the other heirs' shares — either with cash or by refinancing the property into their name. A fair, neutral valuation is essential so the buyout number isn't a point of conflict.

Best when One heir has a clear connection to the home and the financial means to make the others whole.
Path Four
04

Hold and rent

The heirs decide to keep the property as a long-term rental — together or with one designated owner who pays the others periodically. This works for families who want to preserve the home and can manage the responsibility, but it's a long-term commitment with ongoing logistics.

Best when The home has rental income potential, the family is aligned on a long horizon, and someone is willing to manage it.
First things first

The first 30 days — what to actually do.

You don't have to do everything at once. But these are the things worth getting in motion early.

  • 01
    Locate the will (if there is one) It may be at home, with the attorney who drafted it, or filed with the county. The will names the executor and outlines wishes.
  • 02
    Secure the property Change the locks, forward the mail, check that doors and windows are intact. If it's vacant, this is essential.
  • 03
    Verify homeowner's insurance Vacant homes are at higher risk and many policies have specific clauses. Call the insurance carrier and confirm coverage status.
  • 04
    Contact a probate attorney You'll need one to open the estate. If you don't have one, I can refer you to attorneys I trust in both TN and KY.
  • 05
    Document the home's contents Take photos and video of every room before anything is touched. This protects the estate and prevents disputes later.
Free Resource

The First 30 Days Checklist

A printable PDF with everything in this list plus more — what to do in week 1, week 2, week 3, and week 4. Bring it to the attorney. Hand it to the family. Save it for whenever you're ready.

When you're further along and ready to think about the house specifically — I have a separate decision worksheet for that. No rush.

Working with me

What it looks like when you reach out.

No commitment, no taking sides among heirs, no rush. Just calm conversation and steady help.

A confidential conversation

Phone, video, in person — whichever feels easier. We talk about where you are in probate, what the house looks like, who else is involved, and what you actually need help with first.

An honest read on the house

I'll walk through it (with you or for you if you're out of state), tell you what it would likely sell for as-is, what it could sell for with minor work, and what it's not worth fixing.

Coordination with your attorney and family

The legal side stays with your probate attorney. I work alongside them, keep all the heirs equally informed if there are multiple, and handle the day-to-day so you don't have to.

No pressure, no rush

If you need to move fast, I'll move fast. If you need to take six months, I'll be here in six months. Whatever helps you most, in the right order.

For military families

Losing a service member adds layers most agents don't understand.

As a Marine Corps and Army veteran, I understand what military families navigate when a service member dies — and how the standard probate playbook often doesn't fit. Here's what's worth knowing.

Gold Star families The loss of a service member in the line of duty brings its own paperwork, benefits, and timeline. I work with Gold Star families with the care that situation deserves.
SBP, DIC, and survivor benefits Survivor Benefit Plan, Dependency and Indemnity Compensation, and other military benefits can affect housing decisions. I can connect you with the right resources.
Active duty death gratuities The $100,000 death gratuity, SGLI proceeds, and other immediate benefits arrive on different timelines than probate. I can help you think through the housing piece around that.
VA loan considerations If the home has a VA loan, there are specific options for surviving spouses — including loan assumption, refinance, and potential entitlement restoration.
Base housing transitions If your service member was in base housing, you have time-limited rights to remain. I can help you plan the move to a permanent home when you're ready.
Estate planning gaps Military families often have incomplete estate planning — wills that weren't updated, beneficiary designations that don't match wishes. I'll help you work with what's actually there.
"

Losing someone reshapes everything. I've watched families hold each other up through some of the hardest seasons life delivers. The house can wait. The decisions can wait.

When you're ready to talk about the housing piece — privately, calmly, without anyone rushing you — that's what I'm here for. You don't have to have it figured out. You just have to be ready to start.

Lola Animashaun
Listen · Commit · Deliver
Let's talk · confidentially

Let's talk — honestly, privately, and whenever you're ready.

A confidential conversation costs you nothing — and could lift something off your shoulders. Pick a time that works, or reach me directly.

Schedule a Confidential Conversation

Every conversation is confidential. Nothing gets shared — with anyone.

Frequently asked

Questions before you reach out

Quiet answers to what most people ask first.

Can I sell an inherited house before probate closes?
In most cases, yes — but the timing depends on what stage of probate you're in, what state the house is in (Tennessee vs Kentucky), and whether the will gives the executor authority to sell. Often the executor can list the property during probate with the court's awareness, and proceeds get distributed once probate closes. Your probate attorney will guide the legal piece — I'll handle the listing and sale.
What if my siblings and I disagree about what to do?
This is more common than people realize. Sometimes one sibling wants to keep the house, another wants to sell, another lives out of state. A neutral third party who isn't related to anyone can help everyone see the same facts: current value, what each path actually looks like financially, what the timing would be. I'll never take sides. My job is to help the family find an answer they can all live with.
Do I have to fix up the house before selling it?
Almost never. Inherited homes often have decades of belongings, deferred maintenance, or outdated finishes — and trying to fix all of it can cost more than it's worth. There are buyers who specifically purchase inherited homes as-is, including investors who close in cash. I'll walk through your specific home and tell you honestly what's worth doing and what isn't.
I'm out-of-state. How does this even work?
Most of my probate clients live out of state. We handle everything remotely — virtual walkthroughs, electronic signatures, coordinating with cleanout services and locksmiths, scheduling repairs if needed. You don't have to fly in to make this work. I can be your eyes and hands on the ground.
What's the difference between probate in Tennessee and Kentucky?
Each state has its own probate process, timelines, and requirements. Tennessee generally has a shorter process; Kentucky's can take longer depending on county and complexity. I'm not your probate attorney — but I work alongside attorneys in both states regularly and can flag what to expect for the housing piece.
Is there a tax bill when I sell an inherited house?
Inherited property typically receives a "step-up in basis" — meaning the value is reset to the date of death for capital gains purposes. So if you sell soon after inheriting, the tax bill is often much smaller than you'd think. Talk to a tax professional about your specific case; I'll connect you with one if you don't have one.
What does it look like to work with you?
A confidential conversation first — phone, video, or in person — to understand where you are and what the house looks like. No pressure to list. If selling is right, we plan it carefully. If you want to keep the home, hold it, or rent it, I can connect you with the right resources. My only job is to be helpful, in the right order.
Important. Lola Animashaun is a licensed Realtor in Tennessee and Kentucky with LPT Realty. This page provides general information about housing decisions in probate — it is not legal advice, tax advice, or financial advice. For legal advice about your specific probate case, please consult a licensed probate or estate attorney. For tax implications of selling, transferring, or inheriting a home, consult a licensed tax professional.