Maryland Property Ownership
Practice Questions & Answers (2026)
Property ownership questions on the Maryland exam test forms of ownership, how title is held, and the rights that come with different ownership structures. Maryland tests joint tenancy, tenancy in common, tenancy in severalty, and the specific unities required to create each form. The Maryland Real Estate Commission frequently tests what happens to ownership when one co-owner dies under each ownership form. These questions are foundational but often contain traps for candidates who memorize definitions without understanding the real-world implications tested by the MD exam.
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Maryland Property Ownership — Practice Questions & Answers
142 questions on Property Ownership from the Maryland real estate question bank. First 10 are free — sign up to unlock all 142.
Q1. In Maryland, tenancy by the entirety is available to:
Explanation
Tenancy by the entirety is available only to married couples in Maryland, providing the right of survivorship and protection from individual creditors of one spouse.
Q2. Which of the following is an example of real property in Maryland?
Explanation
A built-in kitchen cabinet permanently attached to the wall is a fixture — real property that conveys with the home. Portable items like vehicles and furniture are personal property.
Q3. In Maryland, what is 'ground rent'?
Explanation
Ground rent is unique to Maryland (especially Baltimore area). The homeowner owns the improvements but leases the land from a ground rent holder, paying a small annual rent for the land.
Q4. In Maryland, ground rent can be redeemed (extinguished) by the homeowner by:
Explanation
Under Maryland law, a homeowner can redeem (pay off and extinguish) a ground rent by paying the ground rent holder the capitalized value, which is calculated at a rate specified by statute.
Q5. A homeowner in Maryland sells their property subject to a deed of trust. The deed of trust is an example of what type of encumbrance?
Explanation
A deed of trust (or mortgage) is a financial lien — a type of encumbrance that gives the lender a security interest in the property as collateral for the loan.
Q6. In Maryland, when two unmarried people own property as joint tenants, the ownership includes the right of:
Explanation
Joint tenancy includes the right of survivorship; upon the death of one joint tenant, their interest automatically passes to the surviving joint tenant(s).
Q7. Which form of co-ownership is available ONLY to married couples in Maryland and provides full survivorship rights along with protection from individual creditors?
Explanation
Tenancy by the entirety is available only to married couples in Maryland; it includes survivorship rights and protects the property from the individual debts of one spouse.
Q8. A tenant in common can convey their ownership interest:
Explanation
Tenants in common may each independently convey, mortgage, or devise their fractional interest without the consent of the other co-owners.
Q9. What type of deed provides the greatest protection to a buyer, containing covenants that warrant title against all claims by anyone?
Explanation
A general warranty deed provides the broadest protection, with covenants warranting title against all claims by any person, including those arising before the grantor's ownership.
Q10. A quitclaim deed in Maryland conveys:
Explanation
A quitclaim deed transfers whatever interest the grantor holds — which could be nothing — with no warranties whatsoever.
Q11. An easement appurtenant benefits:
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