I see your point, in the deed dated 9/21/2004, there is a clause stating:
" SAVING, EXCEPTING AND RESERVING unto Fathers Name, first party, the right to use, occupy and enjoy the said premises for and during his lifetime"
and the house insurance had listed my father as "lifetime tenant"
Thank you, all that remains is determining the FMV near 10/2016, which should not be that difficult
