Question:

“I’m confused about titles and deeds for mobile homes. What’s the difference exactly?”

– Sheila D. (54), Ocala, FL

Answer:

A title is like the vehicle title you get when you buy a car. It proves you own the home itself. This is typically when the home is not permanently affixed to land. In these cases, the home is considered personal property, and you’ll receive a title from your state’s Department of Motor Vehicles or equivalent agency.

A deed, on the other hand, refers to ownership of real property—or the land. If your mobile home is permanently installed on land you own, and you’ve gone through the process to convert it into real property (“retitling” or “real property conversion”), then you’ll have a deed for the land—and possibly for the home too, depending on how your state handles it.

If you’re buying a used mobile home, always make sure the title is clear—no liens or legal claims against it. A missing or “clouded” title can cause big problems later. You’ll also want to make sure any transfer of ownership—whether it’s a sale, inheritance, or gift—is properly documented and recorded with the state.

Overview:

  • A title shows ownership of the mobile home itself.
  • A deed shows ownership of land.
  • Always check for a clear title when buying a used mobile home.