In Minnesota, your land is either torrens or abstract title. Torrens or registered title is identified on your deed by having a T before the document number and often the deed will reference Torrens specifically. If your land is Torrens, your land was officially registered through a court pro... continue reading »
When you own real estate you also own any fixtures attached thereto. In general, a fixture is something permanently affixed to the land. A structure attached to a foundation, for example, or within a house, cabinets or fixtures that would require tools to remove from the walls, would generall... continue reading »
Past articles have discussed the advantages of having your cabin in trust so that you avoid probate. Other articles have talked about why you should hold title in a cabin trust if the cabin is shared by multiple families. A more recent issue, however, is that many people now rent out the cabi... continue reading »
There are many potential issues for building on a lake. Most people understand that there are setback rules for lot lines, roads and lakes. As to lakes, the distances vary depending on the lake classification. Even when you know your classification, the setback is not from the water’s edg... continue reading »
Many people take title subject to mineral rights or other restrictions. Most people ignore the details and some worry too much. Here’s the basics you should know about your land or property you are looking to buy.
Minerals – Many titles, especially in Northern Minnesota, are divide... continue reading »
Associations are a common way to own land in Lakes Country for a couple different reasons. Probably the most common example is to address senior living arrangements where owners want to still own their own home but avoid lawn maintenance and other headaches of single family home ownership. Th... continue reading »
What comes to mind when we think of a lease agreement is often that first apartment we rented after high school or college. The first lease that I signed was a lengthy document on legal-sized paper with single-spaced paragraphs in small font. It contained words such as ‘term’, ‘security dep... continue reading »
Most buyers simply order title insurance from whatever company is recommended by their realtor or banker. They then pay for this insurance at closing without any understanding or explanation of what the insurance covers or more importantly, doesn’t cover.
Our firm owns both Quality and... continue reading »
Many parcels in North Country are described by metes and bounds. That means that your land is not part of a subdivision and, as a result, your legal description is often a very long description of calls that trace your boundaries and then relate to government section pins. These descriptions ... continue reading »
Most people assume that if their road has a road sign or shows up on the city map they live on a public road. Or, at least if the road has been there for years, no one would question their access rights. Unfortunately, lending standards have changed over the years and you or your potential bu... continue reading »
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