My girl friend and I had a note , which she loaned me 25,000.00 dollars. I paid her back by check and cash 2 times2x s the amount.that was about 20 years ago. I bought a piece of property in NY in 2011. She was suppose to either quit claim the deed half to me or put it in a irrevocable trust for our biological son with she and me as trustees, since I paid more in the property than she did. I allowed her to put the deed in her name until such time I paid off the mortgage. She now says she won't do anything and will keep the property for herself.

What does the SOL on loans have to do with anything?

Do you have any proof of the agreement to transfer the property? Why would you agree to take a loan for property you didn't own? How did you get a lender to write a mortgage like that?

Unless you can prove the agreement, she is the titleholder and does not have to sign the property over.

Your loan of 20 years ago has nothing to do with anything.
First you say you bought a property; then you say you paid more into it than she did. Her name is alone on the deed, so who paid how much is moot or why you 'allowed her to put her name on it until you paid off the mortgage,' which doesn't make sense - she's the owner.