Environmental
A Maine property contains a wetland regulated under the Natural Resources Protection Act. The landowner wants to fill part of the wetland for a driveway. They must:
AProceed without permits as it is their private property
BObtain a permit from the Maine DEP✓ Correct
COnly notify the local municipality
DApply for a federal wetlands permit only
Explanation
Filling or altering wetlands in Maine requires a permit from the Maine Department of Environmental Protection under the Natural Resources Protection Act. Both state and federal (Section 404/Army Corps) permits may be required.
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Key Terms to Know
Adjustable-Rate Mortgage (ARM)
A mortgage with an interest rate that changes periodically based on a financial index, usually after an initial fixed-rate period.
Private Mortgage Insurance (PMI)Insurance required by lenders on conventional loans with less than 20% down payment, protecting the lender — not the borrower — against default.
Transfer TaxA tax imposed by state or local governments when real property ownership is transferred, typically based on the sale price.
ZoningLocal government regulations that control land use by dividing areas into zones specifying permitted uses, building sizes, and densities.
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