If you build an addition onto a mobile home, would it have a deed or title?
Manufactured Homes October 22nd, 2009I am thinking about buying a property that was a mobile home built onto a permanent foundation, and the previous owners built onto it and added substantial living space. If we proceed with buying the house, when we close on it, do we get a deed or a title? My understanding is that "titles" on homes really don’t hold as much value as a true "deed" would. Thanks!
October 22nd, 2009 at 1:03 am
If the mobile home is permanently attached to the land, the county or state will show it as real estate and you will receive a deed. Most places will have an "affidavit of affixture" or something like that – check with the county to see.
That said, please understand that for financing and insurance and resale purposes, the mobile home will always be considered a mobile home, no matter how much has been done to it.
October 22nd, 2009 at 1:03 am
once any chattel becomes real estate [mobile homes attached to
land], you may quality for a deed.
A deed is a title. [in most states, anyway]
that is why we have title insurance; the industry does not call
it deed insurance. There are two components to a deed;
the name on it, and the perimeter of the property; both are
being insured.