Property Ownership

A Minnesota property owner installs a new custom kitchen with built-in cabinets and appliances. For mortgage purposes, these items are:

APersonal property that reduces the home's value
BFixtures that are part of the real property✓ Correct
CTrade fixtures that can be removed by the owner
DChattel subject to separate bill of sale

Explanation

Built-in custom cabinets and permanently installed appliances become fixtures (real property) once attached to the home. For mortgage purposes, fixtures are part of the collateral securing the loan.

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