Maryland Property Ownership (alternative)
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.
Updated May 2026 · Maryland Real Estate Commission exam outline
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Maryland Property Ownership (alternative) — Practice Questions & Answers
66 questions on Property Ownership (alternative) from the Maryland real estate question bank. First 10 are free — sign up to unlock all 66.
Q1. In Maryland, water rights to a navigable waterway (such as the Chesapeake Bay) are:
Explanation
Under the public trust doctrine, navigable waters and their shoreline (to mean high water) are held in trust by the state of Maryland for public use and cannot be privately owned.
Q2. Maryland's 'Maryland Heritage Structure Rehabilitation Tax Credit' incentivizes:
Explanation
Maryland's Heritage Structure Rehabilitation Tax Credit provides income tax credits to property owners who rehabilitate certified historic structures, preserving historic character and promoting investment.
Q3. A Maryland property owner who erects a fence that encroaches on a neighbor's property may be required by a court to:
Explanation
An encroaching fence can be ordered removed by a Maryland court, and the encroaching party may be required to pay damages for the use of the neighbor's land.
Q4. Maryland's 'Business Personal Property Tax' applies to:
Explanation
Maryland's business personal property tax is assessed by SDAT on tangible personal property (furniture, equipment, fixtures) used in a business, separate from the real property tax.
Q5. In Maryland, property owned in 'fee simple subject to a condition subsequent' reverts to the grantor (or heirs) only if:
Explanation
Unlike a fee simple determinable (which reverts automatically), a fee simple subject to a condition subsequent requires the grantor to actively exercise their right of re-entry (power of termination) after a breach.
Q6. Maryland property owners who use their home as a principal residence may qualify for the:
Explanation
The Maryland Homestead Property Tax Credit limits annual increases in the taxable assessment of owner-occupied primary residences to 10% (or a locally lower cap), protecting homeowners from rapid tax increases.
Q7. In Maryland, a deed restriction that violates public policy or the Fair Housing Act (such as a racially restrictive covenant) is:
Explanation
Racially restrictive covenants and other deed restrictions violating public policy or the Fair Housing Act are void and unenforceable under Maryland and federal law, although they may physically remain in older deeds.
Q8. The 'bundle of rights' in Maryland real property includes the rights to:
Explanation
The bundle of rights in real property includes: the right to possess, use, enjoy, exclude others, transfer (sell/gift/devise), and encumber (mortgage) the property — often described as 'PETE' (Possess, Enjoy, Transfer, Exclude).
Q9. Maryland's Condominium Act requires sellers of new condominiums to provide buyers with a public offering statement that includes:
Explanation
Maryland's Condominium Act requires developers selling new condominiums to provide a public offering statement containing governing documents, budget, reserve study, plat, and other disclosures enabling an informed decision.
Q10. In Maryland, a 'long-term ground lease' for land typically runs for:
Explanation
Long-term ground leases typically run for 50 to 99+ years, allowing improvements to be financed and amortized over an economically useful period.
Q11. A Maryland property described as Parcel 3 in Block 7 of 'Smith's Addition to Annapolis' uses which type of legal description?
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