Doublewide Question
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Doublewide Question (by Pat [VA]) Feb 15, 2024 4:09 PM
       Doublewide Question (by Richard [MI]) Feb 15, 2024 4:34 PM
       Doublewide Question (by plenty [MO]) Feb 15, 2024 4:47 PM
       Doublewide Question (by Pat [VA]) Feb 15, 2024 5:20 PM
       Doublewide Question (by Sisco [MO]) Feb 15, 2024 6:06 PM
       Doublewide Question (by Ken [NY]) Feb 15, 2024 6:21 PM
       Doublewide Question (by Pat [VA]) Feb 15, 2024 7:00 PM
       Doublewide Question (by plenty [MO]) Feb 15, 2024 7:05 PM
       Doublewide Question (by Nicole [PA]) Feb 15, 2024 7:23 PM
       Doublewide Question (by Pat [VA]) Feb 15, 2024 8:32 PM
       Doublewide Question (by 6x6 [TN]) Feb 15, 2024 8:58 PM
       Doublewide Question (by Ray-N-Pa [PA]) Feb 15, 2024 9:24 PM
       Doublewide Question (by plenty [MO]) Feb 15, 2024 10:29 PM
       Doublewide Question (by Sisco [MO]) Feb 16, 2024 6:02 AM
       Doublewide Question (by Pat [VA]) Feb 16, 2024 11:28 AM
       Doublewide Question (by Ken [NY]) Feb 16, 2024 12:33 PM
       Doublewide Question (by plenty [MO]) Feb 16, 2024 2:58 PM

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Doublewide Question (by Pat [VA]) Posted on: Feb 15, 2024 4:09 PM
Message:

If you bought a doublewide on a piece of land as a repo, and your attorney did not check to make sure there wasn't an outstanding title/lien, but just did a title search on the land itself, what recourse do you have? Attorney is no longer practicing law.

Present attorney is not able to do paperwork for us to finance to a buyer as there is this problem, even though we've owned it and paid taxes/insured it for over 10 years.

It's not a problem to continue renting it, however, I'd like to resolve it so my family isn't stuck not knowing what to do as they don't want to be in the rental business.

Not sure how much might be owed on it as it's not possible to get that info if it is in someone elses name.

Can you even sell it with a bill of sale, knowing there is a bank lien on the actual DMV title? Just wondering if anyone else has ever run into this, in buying repos?

--216.126.xx.xxx




Doublewide Question (by Richard [MI]) Posted on: Feb 15, 2024 4:34 PM
Message:

Check with the county assessor and see if the title to the doublewide was ever retired and merged with the land. If it was retired, your tax bill should include the value of the doublewide along with the land itself.

If not retired, you,in theory, should have been paying a separate tax to the DMV, like a car license plate fee.

Unfortunately, some states and places tax both the doublewide and the land together even if the title has not been retired.

The assessor should be able to tell you how they do it in your area.

If you are just going to sell the doublewide and lease the land under it, you will need to file a notice of detachment or whatever they call it there to separate it from the land.

If it turns out the bank still has the lien, notify them that they owe you lot rent for the entire time their place has been on your land at xxx per month plus late fees. They may well elect to just sign off on it. --172.58.xxx.xx




Doublewide Question (by plenty [MO]) Posted on: Feb 15, 2024 4:47 PM
Message:

Agree with above. Is the home affixed to the land and you pay real estate tax on the home and land. Or do you also get a personal property tax bill on the home? I am researching this now for a mobile home we own. If it's personal property and you don't have a title, and you wouldn't get one of you brought the land and the home was classified as personal property, then you apply for abandon personal property and get a title. I have a friend who bought one exactly this way and when thru the process. It's not hard just have to know the questions to ask --172.59.xxx.xx




Doublewide Question (by Pat [VA]) Posted on: Feb 15, 2024 5:20 PM
Message:

Contract said improvements were included but as is. County taxes as real estate, but bank has a lien on title. Unit is a 1997. No permanent foundation (just K-rock). Land (that they lost) was in couples name, they are divorced now and doublewide was in his mother's name. About as convoluted a mess as can be.

Too make it worse, home is across property line, we should have gotten an updated survey.

Learn from my mistake, check on these things yourself. Don't take anything for granted or trust the lawyers but so much, real estate agents either! --216.126.xx.xxx




Doublewide Question (by Sisco [MO]) Posted on: Feb 15, 2024 6:06 PM
Message:

Pat, your question is state specific to VA. I have dealt with the issue several times. Without consideration of your attorney, basically you get the serial number and have your state dept of revenue or motor vehicle search for the title.

If they have one on record, you then notify those people that mobile is on your property and list how much lot fees are owed. After specified waiting period you can apply for lien title.

--149.76.xxx.x




Doublewide Question (by Ken [NY]) Posted on: Feb 15, 2024 6:21 PM
Message:

You can sell the land at full price and hold the mortgage,have them sign acknowledging the problem in case it comes back on them --73.177.xxx.xx




Doublewide Question (by Pat [VA]) Posted on: Feb 15, 2024 7:00 PM
Message:

Ken, we have considered that, but will have to write it up ourselves as our attorney said he cannot do it, he could lose his license. Knowing that DMV is showing a title with someone elses name on it, even if it has a bank lien on it. If they pay what is owed (?) plus interest, penalties, they can actually come and take it. Yes, we might be able to sue for lot rent, but it could get costly, might be able to put a lien on it then myself!

Since it has been ten years, the chances there will be a problem are slim, but anything is possible. It has been a good producer, always easily rented. Kind of wish I could sell it off the land, and put a singlewide there within the perimeter. --216.126.xx.xxx




Doublewide Question (by plenty [MO]) Posted on: Feb 15, 2024 7:05 PM
Message:

It's abandoned and you can apply for title. No problem. No worries just apply. --172.59.xxx.xxx




Doublewide Question (by Nicole [PA]) Posted on: Feb 15, 2024 7:23 PM
Message:

I think the lien/loan is probably paid off. the paperwork just was never completed properly. In ten years, the lender would have been attempting some type recourse against the trailer.

Can you find the mother and get her to sign the title? --98.237.xxx.xx




Doublewide Question (by Pat [VA]) Posted on: Feb 15, 2024 8:32 PM
Message:

Nicole I do know where she is, and our attorney did suggest that. I'm just afraid of opening up the can of worms. She is quite elderly and IDK if in her right mind or not.

It might be a moot point if there is a large balance owed on a unit I'm in possession of. Yes, I would be glad to pay a nominal amount to get a title. Not a huge amount.

I just wish there was some way to find out how much if any?

If I write the bank and ask if there is an outstanding balance on Serial # 000000000, or has it been written off, etc? Wonder what would happen? In a feeble attempt to call & find out, the lady said if you are not the owner, we can't discuss it with you. That's as far as I got. --216.126.xx.xxx




Doublewide Question (by 6x6 [TN]) Posted on: Feb 15, 2024 8:58 PM
Message:

I would try what Plenty suggested first. --73.190.xxx.xxx




Doublewide Question (by Ray-N-Pa [PA]) Posted on: Feb 15, 2024 9:24 PM
Message:

One would thing you would be able to get title insurance on the thing with an exception in the coverage for the unsatisfied mortgage lien.

Can your attorney write a letter of opinion about the status of the title? --24.101.xxx.xxx




Doublewide Question (by plenty [MO]) Posted on: Feb 15, 2024 10:29 PM
Message:

6x6 guess the difficult ending makes for a better story. My good friend when thru this, it's really not hard. But go ahead and write me a check so you feel better. It's abandoned personal property left in your real estate, apply for lost title. It's yours. --172.59.xxx.xx




Doublewide Question (by Sisco [MO]) Posted on: Feb 16, 2024 6:02 AM
Message:

Pat, here is the way these situations play out. The owner/ lien holder named on the title from years ago will be mailed notice via certified mail to the address listed on the title from decades ago.

The notice is a form copied from department of revenue. The named parties have a specified length of time to respond, pay fees. Otherwise the state will issue the landowner lien title. Landowner can then sell it to recover unpaid rent.

No one redeems under these circumstances. You won’t pay off a lien, the lien holder won’t pay you rent, the state will issue you a title.

Find VA state law online, chances are the process is explained further. --149.76.xxx.x




Doublewide Question (by Pat [VA]) Posted on: Feb 16, 2024 11:28 AM
Message:

Thank you Sisco, I believe I have found the VA statute 46.2 - 1202 Search for owner and secured party notice. (Section B)

I have sent this info to my attorney to consider. I do have a tenant in place (the one that wants to buy it). We have a month to month arrangement now and the owner of record will have 120 days to remove or I can apply for a title. If they surprise me (owner or bank) and say they are taking it, I guess I will be out of luck, plus lose a tenant (that will probably sue me!) LOL Nothing ventured nothing gained? --216.126.xx.xxx




Doublewide Question (by Ken [NY]) Posted on: Feb 16, 2024 12:33 PM
Message:

If you check the address they will mail it to maybe you can figure out ahead of time if they are still there or if it will be returned --73.177.xxx.xx




Doublewide Question (by plenty [MO]) Posted on: Feb 16, 2024 2:58 PM
Message:

If they didn't have the money to move it or sell it before they surely don't now. Just go thru the steps but the loan is wipe away. --172.59.xxx.xxx



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