Environmental
A Virginia property owner discovers their property contains wetlands regulated by both the Army Corps of Engineers and the Virginia Marine Resources Commission. The owner must:
AOnly comply with state rules
BObtain permits from both agencies before altering the wetlands✓ Correct
CImmediately drain the wetlands
DNotify VREB within 30 days
Explanation
Tidal and coastal wetlands in Virginia may require permits from the Army Corps (Section 404), the Virginia Marine Resources Commission (VMRC), and in some cases local wetlands boards before any alteration.
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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.
Joint TenancyCo-ownership where two or more people hold equal, undivided interests with the right of survivorship — when one owner dies, their share passes to the surviving owners.
ProrationThe division of ongoing property expenses (taxes, HOA dues, rents) between buyer and seller at closing based on their respective days of ownership.
Transfer TaxA tax imposed by state or local governments when real property ownership is transferred, typically based on the sale price.
Math Concepts
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