Real estate and property law for paralegals ed 5

Real Estate and Property Law for Paralegals Paralegal Series Fifth Edition NEAL R BEVANS, J.D Western Piedmont Community College Copyright © 2019 CCH Incorporated All Rights Reserved Published by Wolters Kluwer in New York Wolters Kluwer Legal & Regulatory U.S serves customers worldwide with CCH, Aspen Publishers, and Kluwer Law International products (www.WKLegaledu.com) No part of this publication may be reproduced or transmitted in any form or by any means, electronic or mechanical, including photocopy, recording, or utilized by any information storage or retrieval system, without written permission from the publisher For information about permissions or to request permissions online, visit us at www.WKLegaledu.com, or a written request may be faxed to our permissions department at 212-771-0803 To contact Customer Service, e-mail customer.service@wolterskluwer.com, call 1-800-234-1660, fax 1-800-901-9075, or mail correspondence to: Wolters Kluwer Attn: Order Department PO Box 990 Frederick, MD 21705 eISBN: 978-1-5438-0126-2 Library of Congress Cataloging-in-Publication Data Names: Bevans, Neal R., 1961 - author Title: Real estate and property law for paralegals / Neal R Bevins, J.D., Western Piedmont Community College Description: Fifth edition | New York : Wolters Kluwer, [2018] | Includes index Identifiers: LCCN 2018023929 | ISBN 9781454896210 (hardcover) Subjects: LCSH: Real property—United States | Conveyancing—United States | Vendors and purchasers—United States | Legal assistants—United States | LCGFT: Textbooks Classification: LCC KF570 B48 2018 | DDC 346.7304/3—dc23 LC record available at https://lccn.loc.gov/2018023929 About Wolters Kluwer Legal & Regulatory U.S Wolters Kluwer Legal & Regulatory U.S delivers expert content and solutions in the areas of law, corporate compliance, health compliance, reimbursement, and legal education Its practical solutions help customers successfully navigate the demands of a changing environment to drive their daily activities, enhance decision quality and inspire confident outcomes Serving customers worldwide, its legal and regulatory portfolio includes products under the Aspen Publishers, CCH Incorporated, Kluwer Law International, ftwilliam.com, and MediRegs names They are regarded as exceptional and trusted resources for general legal and practice-specific knowledge, compliance and risk management, dynamic workflow solutions, and expert commentary For my stepchildren, Tamara Tigani and Camilo Lopez-Escobar and their mother, my friend and my wife, Nilsa Bevans Summary of Contents Contents Preface Acknowledgments Chapter An Introduction to Real Estate Chapter Estates in Real Property Chapter Property Descriptions and Boundaries Chapter Transferring Title to Real Estate Chapter Rights Associated with Real Estate Chapter Real Estate Contracts Chapter Landlord and Tenant Law Chapter Real Estate Deeds Chapter Mortgages and Financing the Purchase of Real Estate Chapter 10 Public and Private Restrictions on the Use of Land Chapter 11 Real Estate Professions Chapter 12 Title Insurance and Title Examinations Chapter 13 The Closing Chapter 14 Taxation Issues in Real Property Glossary Appendix Index Contents Preface Acknowledgments AN INTRODUCTION TO REAL ESTATE Focus of This Chapter This chapter introduces the basic concepts of real and personal property, introduces the rich and complex world of real property, and explains the various categories of real property I INTRODUCTION II REAL PROPERTY VERSUS PERSONAL PROPERTY A What Makes Real Property So Unique? B Physical Characteristics of Land C Economic Characteristics of Land Tech Topic: Cloud-Based Computing III THE REAL ESTATE MARKET IV CLASSIFYING PROPERTY BY USE A Unimproved Land B Residential Property Single- and Multi-Family Homes Apartments Condominiums and Townhouses a Condominiums b Townhouses Cooperatives Mobile Homes Manufactured Housing and “Kit” Homes C Commercial Property Retail/Wholesale Shopping Centers and Malls D Industrial Property Industrial Parks Light Industry/Heavy Industry E Farm and Rural Property F Recreational Property G Government-Owned Land • ANNOTATED DOCUMENT REAL ESTATE SALES LISTING Case Excerpt: Jones v State Prop Tax Appeal Bd Chapter Summary Skills You Need in the Real World Ethics: An Introduction Cases Relevant to the Chapter Websites Tech Tool: Zillow Key Terms Review Questions Discussion Questions Applying What You Have Learned ESTATES IN REAL PROPERTY Focus of This Chapter This chapter provides an in-depth explanation of the rights, duties, and responsibilities that derive from estates, as well as the implications of various types of estates for the rights and abilities of the owners I INTRODUCTION II REAL PROPERTY ESTATES III FEE SIMPLE ESTATE A Rights of Fee Simple Absolute Owners B Conditional Fee Simple Estates Fee Simple Determinable Fee Simple on a Condition Subsequent Tech Topic: Online Access to Real Estate Records IV LIFE ESTATES A Historical Basis of Life Estates Dower and Curtesy B Remaindermen C Waste D Court Doctrines That Affect Life Estates E Life Estate Pur Autre Vie V CONCURRENT OWNERSHIP IN REAL ESTATE A Tenants in Common B Joint Tenancy Right of Survivorship C Tenancy by Entirety D Tenancy in Partnership E The Right to Partition • ANNOTATED DOCUMENT CREATING A LIFE ESTATE Case Excerpt: Bryant v Bryant Chapter Summary Skills You Need in the Real World Ethics: Drafting Deeds Cases Relevant to the Chapter Websites Key Terms Review Questions Discussion Questions Applying What You Have Learned PROPERTY DESCRIPTIONS AND BOUNDARIES Focus of This Chapter This chapter explores the many different methods used across the nation to describe property Because metes and bounds descriptions are an essential part of property descriptions in nearly half the country, we explore this topic in depth and go through the process of drawing out a description based on the wording of the description The chapter also explores other property description techniques and provides a basic description of surveying I INTRODUCTION II THE HISTORY OF PROPERTY BOUNDARIES III PROPERTY DESCRIPTIONS IN DEEDS A The Elements of a Valid Property Description B Legal Requirements for Property Descriptions in Deeds C Referring to Other Documents to Prove Property Boundaries D Litigating Property Boundaries E Ambiguous Property Descriptions Patent Ambiguities a Parol Evidence and Property Descriptions Latently Ambiguous Property Descriptions IV METES AND BOUNDS DESCRIPTIONS A Drafting Metes and Bounds Descriptions Tech Topic: Real Estate Marketing Technology B Using Technology to Help with Metes and Bounds Drawings V OTHER METHODS TO DESCRIBE PROPERTY: GOVERNMENT SURVEY SYSTEM A Tract Indexing B Plats C Torrens Registration VI WATER RIGHTS A The Right to Use Water Court Doctrines That Affect Water Rights B Natural Forces That Affect Property Boundaries Accretion Erosion Avulsion Reliction C Water and Property Boundaries Navigable Waters Non-Navigable Waters • ANNOTATED DOCUMENT METES AND BOUNDS DESCRIPTION Case Excerpt: In re Foreclosure of Real Prop Under Deed of Trust from Vicque 10 POWER OF ATTORNEY 378 SURVEY 379 380 Index A Abandonment, easements 111 restrictive covenants 282 Acceleration clause 239–240 Acceptance, communicating 132 contract 130–133 Accretion 60 Acknowledgment, deeds 204 Ad valorem taxes 410 Adjustable-rate mortgages 243–244 Adverse possession 89–91 color of title 91 defined 89 doctrine of 89–90 doctrine of laches 90 elements of 90–91 open, continuous, notorious and hostile 90–91 specified time periods 91 Aesthetic zoning 271 Agency, accounting 300 agent’s duty to principal 298–300 agent’s duty to third parties 300–302 agent’s reputation 304 care 299 compensating the agent 303 creating 298 duty to cooperate 303–304 fraud 300 law of 297–304 loyalty 299–300 material fact 301 negligent misrepresentation 302 obedience 299 principal’s duty to agent 302–304 sales tactics 301–302 Agreement, easements 108 Air rights 115 Ambiguous property descriptions 51–52 Amortization 242 Apartments 8–9 Appraisal 252 Appraisers 314–315 Appurtenant easements 106 Assessments 113, 415 Attestation, deeds 204 Attorney’s fees 240 Attorneys, real estate 317 Auction, foreclosure 85, 254 Auctions, tax 92 Avulsion 60 B Beneficiary, wills 79 Bill of sale for personal property, closing 380 Binder 334 Birth records 348 Boards, planning 276 Borrower’s credit history 246 381 Breach of contract 143–144 Building codes 276 C Capacity 74–75 contract 134 Certified funds, closing 391 Chain of title 342 Charitable exemption 409 Civil judgment 89 Clauses, contract 142–143 Closing, additional requirements under Dodd-Frank 395–396 attorney 369–370, 376 bill of sale for personal property 380 buyer 376 certified funds 391 compliance agreement 381 consummation 368 credit insurance documents 381 defined 368 disbursing the funds 389–391 disclosure form 380 establishing the date 370 gathering documents 371–374 general warranty deed 379 hazard insurance 378 inspection reports 373–374 IRS forms 379–380 legal description of property 372 lien waiver affidavits 380 loan-closing software 374–375 loan application 381 loan package 378 loan payoff amounts 373 mortgage 369, 379 paralegal 376 people normally present 375–377 preparing 369–374 Private Mortgage Insurance 382 procedure 377–389 promissory note 379 proration 390–391 real estate agent 377 seller 376 settlement agent 368, 375 subordination agreements 379 survey 389 tax information 373 termite inspection letter 387–388 time is of the essence 370–371 title search 372 trust disbursement records 382–383 Truth-in-Lending documentation 383–387 what is 368 Closings, escrow 392–393 Cloud-based computing Codes, building 276 Collateral for mortgage/deed of trust 238 Color of title, adverse possession 91 Commercial property 10–11 Compensatory damages, tenant 175–176 Compliance agreement, closing 381 Concurrent ownership in real estate 33–37 Condemnation 87–88 inverse 88 Conditional fee simple estates 28–29 Conditional use permit, zoning 273–274 Condominiums 382 Consideration 74, 133 Consideration recitals, deeds 205 Constructive eviction 176 Consumer Reporting Agencies 246 Consummation 368 Contract law, formation issues in 136–137 acceptance 130–133 fraud 137 mistake 136 Contract, breach of 143–144 capacity 134 communicating acceptance 132 consideration 133 counter offer 132–133 equitable remedies 143–144 insurance clause 143 legality 134 mailbox rule 132 mutual assent 133 offer 128–129 reasonable person standard 130 specific performance 143 what is 128–134 Contract clauses 142–143 Contractors 318 Contracts, escrow clause 143 exclusive listing 138 listing agreements 137–138 multiple listing 138 open listing 137 real estate 137–142 Statute of Frauds 134–135 time is of the essence clause 142 title clause 142–143 Cooperatives 9–10 Credit insurance documents, closing 381 D Date, deeds 206 Death records 348 Dedication 81 Deed, defined 193 Deed reservation, easements 108 Deeds, a brief history of 193–194 acknowledgment 204 attestation 204 consideration recitals 205 court interpretations ambiguous property descriptions 201 date 206 delivery 202–204 delivery, escrow 204 delivery, proving 203 elements of 194–206 exceptions and exclusions 205 general warranty 206–207 granting clause 201–202 grantor must have legal capacity 199–200 habendum clause 201 identifying the grantor and the grantee 196–197 in writing 195 must be delivered by the grantor 202–204 must be signed by grantor 197–199 must contain specific language 201–202 property must be described 200–201 quitclaim 210 seals 205 types of 206–210 witnesses 206 383 Deeds of trust 209 Default 83–84 Devise, wills 79 Devisee, wills 79–80 Discharging a mortgage 252 Disclosure form, closing 380 Districts, historical 276–277 Doctrine of laches 90 Dodd-Frank 230–236 potential problems 235 Three-Day Requirement 235 Truth-In-Lending 231–232 violations 235–236 Dodd-Frank Act, closing 395–396 Dower and curtesy 31 Due of sale clause 240 Duty of care, real estate agent 305 E Easements 105–111 abandonment 111 agreement 108 appurtenant 106 creating 107–110 deed reservation 108 eminent domain 109–110 implication 108 in gross 106 merger 110 necessity 108 prescription 109 run with the land 107 terminating 110–111 Eminent domain 87–88 easements 109–110 Enterprise zones 410 Entirety, tenancy by 36 Equitable relief, tenant 175 Equitable remedies 143 Equity lines of credit 245 Escheat 88–89 Escrow 143 Escrow closings 392–393 Estate 25 fee simple 25–30 Estoppel certificate 239 Eviction 177–178 constructive 176 retaliatory 178 Exceptions and exclusions, deeds 205 Exclusive listing 138 Exemption, charitable 409 defined 408 government 409 homestead 409 nonprofit 409 tax 408–410 F Fair Credit Reporting Act 246–251 Fannie Mae 228–229 Farm and rural property 12 Federal Reserve Board 229–230 Fee simple absolute 26 Fee simple absolute, rights of owners 28 Fee simple determinable 29 Fee simple estate 25–30 conditional 28–29 384 Fee simple on a condition subsequent 29–30 Fiduciary 298 Fixed-rate mortgages 241–243 Fixed-rent lease 161 Fixtures 101–105 damage test 104 intent test 103 manner of attachment test 103 trade 104–105 use test 104 Forced share 31 Foreclosure 82–87, 253–254 auction 85, 254 defaults 83–84 defined 82 judicial 83, 253 mortgages and deeds of trust 87 notice to borrower 84 power of sale 83, 253 purchasing property at sale 86 right of redemption 85–86 right to 83 steps in 84–86 terminating the rights of other creditors 86–87 Fraud, agency 300 contracts 137 Freddie Mac 229 G General warranty deed, closing 379 General warranty deeds, against encumbrances 207 further assurance 207 quiet enjoyment 207 seizin 207 warranty forever 207 Gift of real estate 81 Ginnie Mae 229 Government exemption 409 Government-owned land 12 Government survey system 57 Grantee 194 Granting clause 201–202 mortgage/deed of trust 239 Grantor 194 Grantor-grantee index 339 Ground lease 162 H Habendum clause 201 Historical districts 276–277 Holographic wills 78–79 Homestead exemption 409 Homesteading 81–82 HUD 229 I Implication, easements 108 Improvements In gross easements 106 In rem jurisdiction Independent contractors 304 Industrial Park 11 Industrial property 11–12 Infants 75 Inspectors 318–319 Insurance 143 Interest escalation clause 240 Interstate Land Sales Full Disclosure Act 278 Intestate 80–81 385 Intestate succession 80–81 Intoxicated persons 75 Intoxication 75 Inverse condemnation 88 IRS forms, closing 379–380 J Joint tenancy 34 Joint tenancy, right of survivorship 35 Judgment, civil 89 Judgments 348–349 Judicial foreclosure 253 Jurisdiction, in rem Jurisdiction, personal 4, L Land, economic characteristics of 4–5 physical characteristics of 3–4 unimproved Landlord 157 Landlord-tenant, background 158 modern changes 158–160 Landlord-tenant law, constructive eviction 176 ordinary wear and tear 173 pet deposits 173 punitive damages 176 Warranty of Habitability 173–174 wrongful eviction 177 Landlord remedies against tenant 177–178 eviction 177–178 retaliatory eviction 178 self-help eviction 178 Landlord’s duties 168–171 discriminatory practices 171 duty to repair 169 duty to third parties 171 right to reenter premises 169 Late payments, lease 164 Lately ambiguous property descriptions 52–53 Lease provisions 163–166 acceptance of premises 165 late payments 164 modifying or altering premises 165 notice 165–166 persons permitted on premises 164 pet deposits 164 renewal 164 rent 163 subletting 165 Leasehold estate 157 Leases 160–163 commercial 166–167 federal law requirements 167 fixed rent 161 ground 162 mineral 162 net 161 oil and gas 163 percentage 161 public policy concerns 167–168 rent-to-own 161–162 Statute of Frauds 167–168 timber 162 versus license 162 Legality, contract 134 Licenses 111 versus lease 162 Lien waiver affidavits, closing 380 Liens 112–113 386 defined 112 materialman 113 mechanic 113 tax 413 title search 346 Life estate, defined 30 Life estates 30–33 court doctrines 32–33 dower and curtesy 31 forced share 31 history 31 pur autre vie 33 remaindermen 32 waste 32 Liquidity 312 Listing agreements 137–138 exclusive 138 multiple 138 Loan application, closing 381 Loan-closing soft ware 374–375 Loan officers 314 Loan package, closing 378 M Mailbox rule 132 Malls 11 Manufactured homes 10 Market, real estate 6–7 Marriage records 348 Material fact 301 Materialman, liens 113 Mechanic, liens 113 Mentally incompetent persons 75 Merger, easements 110 restrictive covenants 282 Metes and bounds descriptions 53–57 drafting 55–56 technology 57 Millage rate 412 Mineral lease 162 Mineral rights 116 Mistake, contracts 136 Mobile homes 10 Mortgage, closing 379 defined 223 Mortgage market, primary 225–226 secondary 227–230 Mortgage/Deed of Trust, acceleration clause 239–240 attorney’s fees 240 collateral 238 description of debt 239 due of sale clause 240 estoppel certificate 239 granting clause 239 interest escalation clause 240 legal requirements 236–241 parties identified 238 power of sale 239 prepayment clause 240 promissory note 238 specific clauses 238–240 taxes and insurance 239 writing 237–238 Mortgage markets 225–236 Mortgages 209 Mortgages and deeds of trust 87 Mortgages, adjustable-rate 243–244 387 amortization 242 Mortgages, appraisal 252 borrower’s credit history 246 consumer reporting agencies 246 discharging 252 equity lines of credit 245 Fair Credit Reporting Act 246–251 fixed-rate 241–243 points 252 purchase-money 244 rate caps 243–244 second 245 types of 241–245 underwriting 246 wraparound 244–245 Multiple listing 138 Multiple Listing Service 308–309 Mutual assent 74, 133 N Navigable waters 60–61 Necessity, easements 108 Negligent misrepresentation 302 Net lease 161 Nonconforming use, zoning 273 Non-navigable waters 61 Nonprofit exemption 409 Notice recording statutes 210 Nuisance actions 283 private 283 public 283 Nuncupative wills 78 O Offer, contract 128–129 Offers of purchase and contract 138–141 Oil and gas lease 163 Online access to real estate records 30 Open listing 137 Options 142 Ordinary wear and tear 173 P Paralegal’s role, title search 350–352 Paralegals, real estate 317 Parol evidence 52 Partition 88 right to 37 Partnership, tenancy in 37 Patently ambiguous property description 51 Percentage lease 161 Personal jurisdiction 4, Pet deposits 164, 173 Planning boards 276 Planning, urban 277 Plats 57–58 Points 252 Policy 334 Power of acceptance 130–131 Power of sale foreclosure 253 Power of sale, mortgage/deed of trust 239 Preliminary and final title certificates 350 Premium 335 Prepayment clause 240 Prescription, easements 109 Primary mortgage market 225–226 Principal 298 Priority of mortgages 241 Private Mortgage Insurance, closing 382 388 Probate records 348 Profit a prendre 111–112 Promissory note 238 closing 379 Property boundaries, history of 48 Property, classifying by use 7–12 farm and rural 12 industrial 11–12 recreational 12 Property description and sale of real estate 75–76 Property descriptions, ambiguous 51–52 elements of valid 49 government survey system 57 in deeds 48–50 latently ambiguous 52–53 legal requirements 49 litigating 50–51 metes and bounds 53–57 parol evidence 52 plats 57–58 referring to other documents 50 Torrens registration 58 tract indexing 57 Property managers 318 Property taxes 312 Proration, closing 390–391 Publication, wills 78 Punitive damages, tenant 176 Purchase-money mortgages 244 Q Quiet enjoyment 174 Quitclaim deed 210 R Race-notice recording statutes 210 Race recording statutes 211 Real estate agent, becoming a 306–307 classifications of 306–308 duty of care 305 Multiple Listing Service 308–309 regulations 307–308 responsibility to disclose information 305 services provided 308 Real estate attorneys 317 Real estate contracts 137–142 Real estate investing, appreciation 311 liquidity 312 maintenance costs 312 property taxes 312 Real Estate Investment Trusts 312–313 tax advantages 311 Real estate investors 310–313 Real estate paralegals 317 Real estate title searchers 317 Real property versus personal property 1–3 Recording mortgages 240–241 Recording statutes 210–211 Recreational property 12 Reliction 60 Remaindermen 32 Renewal of lease 164 Rent 163 Rent-to-own lease 161–162 Residential property 8–9 Restrictive covenants 279–282 abandonment 282 changed conditions 282 creating 280 389 enforcing 281 illegal or unconstitutional 280–281 merger 282 terminating 281–282 touch and concern 280 typical 280 Retail real property 11 Retaliatory eviction 178 Right of redemption, foreclosure 85–86 Right of survivorship 35 Right to partition 37 Rights, mineral 116 Rights, water 115–116 Riparian rights 59 S Safety deposits, landlord-tenant law 173 Sale of real estate 72–76 basic requirements 74–76 capacity 74–75 consideration 74 infants 75 intoxicated persons 75 mentally incompetent persons 75 mutual assent 74 property description 75–76 Seals, deeds 205 Second mortgages 245 Secondary mortgage market 227–230 Fannie Mae 228–229 Federal Reserve Board 229–230 Freddie Mac 229 Ginnie Mae 229 governmental agencies 228–230 HUD 229 Troubled Asset Relief Program 230 Self-help eviction 178 Settlement agent 368 Special warranty deeds 208 Specific performance 143 Spot zoning 275 Statute of Frauds 2, 134–135 Subdivision rules and regulations 282–283 Sublet 165 Subletting 165 Subordination agreements, closing 379 Survey, closing 389 Surveyors 315–316 Survivorship, right of 35 T Tacking 350 Tax auctions 92 Tax exemptions 408–410 Tax lien, foreclosing 414 Taxes and insurance, mortgage/deed of trust 239 Taxes, calculating tax rate 412 determining property value 410–411 enforcing tax regulations 413–414 millage rate 412 reassessment 412 tax liens 413 Tenancy at sufferance 181 creating 181 terminating 181 Tenancy at will 180–181 creating 180 terminating 180–181 390 Tenancy by entirety 36 Tenancy for years 179 creating 179 terminating 179 Tenancy from year to year 179–180 creating 179–180 terminating 180 Tenancy in common 33 Tenancy in partnership 37 Tenant 157 Tenant remedies against landlord 174–177 Tenant remedies, compensatory damages 175–176 equitable relief 175 punitive damages 176 Tenants’ duties and rights 171–173 damages 172–173 general tenant duties 172 ordinary wear and tear 173 pet deposits 173 quiet enjoyment 174 right to use and enjoying 172 safety deposits 173 Tenants-in-common 33 Testate succession 81 Timber lease 162 Time is of the essence, closing 370–371 Title abstracts 349 Title examinations 336–341 grantor-grantee index 339 information needed 337–341 Title insurance 333–336 binder 334 obtaining 334–335 policy 334 premium 335 terminating 336 Title search, breaks in the chain of title 353 chain of title 342 common problems 352–353 creating client file 341–342 establishing the out or adverse conveyances 343–345 judgments 348–349 liens 346 marriage, birth and death records 348 paralegal’s role 350–352 preliminary and final title certificates 350 probate records 348 reviewing title documents 345–346 steps in 341–349 subdivided properties 352–353 tacking 350 title abstracts 349 UCC listings 346–347 Torrens registration 58 Townhouse Tract indexing 57 Trade fixtures 104–105 Troubled Asset Relief Program 230 Trust disbursement records, closing 382–383 Truth-in-Lending 231–232 closing 383–387 U UCC listings 346–347 Underwriting 246 Uniform Residential Landlord and Tenant Act 168 Unimproved land Urban planning 277 391 V Variance, zoning 274 W Warranty of Habitability 173–174 Waste 32 Water rights 59–61, 115–116 and property boundaries 60–61 accretion 60 avulsion 60 court doctrines 59 erosion 60 navigable water 60–61 non-navigable waters 61 reliction 60 right to use 59 riparian 59 subterranean 116 Wills 77–81 beneficiary 79 devise 79 devisee 79–80 holographic 78–79 intestate succession 80–81 minimum requirements of 77–79 nuncupative 78 publication 78 signature by testator 78 testate succession 81 versus sales 80 witness 78 writing 77–78 Witnesses, deeds 206 Wraparound mortgages 244–245 Wrongful eviction 177 Z Zoning 270–275 aesthetic 271 classifications 271–273 conditional use permit 273–274 enforcing regulations 271 nonconforming use 273 spot 275 variance 274 392 ... to Real Estate Chapter Estates in Real Property Chapter Property Descriptions and Boundaries Chapter Transferring Title to Real Estate Chapter Rights Associated with Real Estate Chapter Real Estate. .. Chapter Landlord and Tenant Law Chapter Real Estate Deeds Chapter Mortgages and Financing the Purchase of Real Estate Chapter 10 Public and Private Restrictions on the Use of Land Chapter 11 Real Estate. . .Real Estate and Property Law for Paralegals Paralegal Series Fifth Edition NEAL R BEVANS, J.D Western Piedmont Community College Copyright © 2019 CCH Incorporated All Rights Reserved Published