Property Ownership
A deed restriction in Iowa is an example of which type of encumbrance?
AA financial lien
BA non-financial encumbrance limiting use of the property✓ Correct
CAn easement appurtenant
DA government police power regulation
Explanation
Deed restrictions (restrictive covenants) are non-financial encumbrances that limit how a property may be used. They run with the land and bind future owners, and are enforced by the courts rather than by government authority.
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Key Terms to Know
Deed
A written legal instrument used to transfer ownership of real property from one party (grantor) to another (grantee).
EasementA non-possessory right to use another person's land for a specific purpose.
EncumbranceAny claim, lien, charge, or liability attached to real property that affects its value or limits its use.
LienA financial claim against a property that serves as security for a debt or obligation, giving the creditor the right to foreclose if unpaid.
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