Is a moblie home considered mine because it is on my land?

UPDATED: Oct 1, 2022

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Is a moblie home considered mine because it is on my land?

I recently bought a piece of land in full in Hartford, Kentucky. On the land is a mobile home that the previous owner abandoned and moved out of the state to start over. The home I’ve found out is in collections right now. Neither the bank the person went through or collections can tell us anything without contacting the previous owner first. A family member of mine knew the women and have tried to contact her but she won’t return any calls. We have even tried to contact people from the previous owners family they tell us that they have not heard anything from this person. In Kentucky law is the mobile home considered mine because it is on my land? Can the bank come and take the home at anytime? I am willing to fix the home up to be lived in however, I do not want to put money into this home until I know my rights. Within the law what are my rights? What steps should I take?

Asked on November 21, 2017 under Real Estate Law, Kentucky


SJZ, Member, New York Bar / FreeAdvice Contributing Attorney

Answered 5 years ago | Contributor

In terms of ownership, a mobile home is like a car, truck, or RV: it does not automatically belong to whomever owns the land it sits on, which can be readily seen from the fact that in mobile home parks, each resident typically owns his/her home, but the land is owned by the park owner, who simply rents it to the mobile home owner. Buying the land does not therefore give you ownership over the mobile home, and if the home is in "collections," that presumably means someone is asserting lien or other interest over it: i.e. there is somene else (e.g. a lender or bank) who has a claim to it. So this does not appear to be a home that you own.

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