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Updated almost 6 years ago on . Most recent reply

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Lindsay Thomas
  • Kalamazoo, MI
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Modular Home Question

Lindsay Thomas
  • Kalamazoo, MI
Posted

I'm planning to bid on a modular home in a tax deed sale in a few days, but just learned that there is a possibility that the previous owner could still hold the title to the modular and potentially remove it from the property once purchased.  My question is: Has anyone ever ran into this problem and how do I find out who holds the title to this modular?  Thank you for any feedback or ideas on this one!

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Charlie MacPherson
  • China, ME
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Charlie MacPherson
  • China, ME
Replied

If I'm not mistaken (and I might be), it sounds like @Tim Johnson and @Ron S. might be confusing mobile and modular homes.  @Lindsay Thomas said it was a modular home, which would not have a frame or axles.

Mobile homes are (at least in MA) not considered real estate.  They are purchased with chattel (personal property) loans.

Modular homes are similar to stick-built, but large sections are built in a factory and shipped to the site to be assembled on top of either a slab or standard excavated foundation. 

Once in place, it's pretty tough to distinguish a modular home from a standard stick built.  Not so with mobile homes.

I think it's worth buying a half hour of a local attorney's time to get a handle on how this should all work.

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