Property Ownership

In an Indiana community land trust (CLT), the CLT retains ownership of the land and leases it to the homeowner through a:

AFee simple deed
BLong-term ground lease (typically 99 years), with the homeowner owning only the improvements✓ Correct
CMonth-to-month rental agreement
DLife estate for the homeowner

Explanation

Community land trusts separate land ownership from housing ownership — the CLT owns the land and leases it long-term (often 99 years) to homeowners who own only the improvements, keeping homes permanently affordable.

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