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Illustration of a navy manufactured home in autumn with a red front door and a small front deck
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Finding the right trailer home

No home picked yet. Here’s what to decide, what to ask, and how we’ll find it.

TBDprice range
TBDbedrooms
TBDbaths
TBDarea
TBDland or lot
1976+HUD-code built

Decide these first

  • Land included, or a home on a leased lot in a park or community
  • Where: near the cabin, the ski hill, the office, or somewhere new
  • Year-round home, getaway, or rental, which changes the loan and the park rules
  • Single-wide or double-wide, and how many bedrooms
  • Must-haves like a shed, carport, deck, or room for gear
  • Cash, home-only loan, or a mortgage with land (Kara can help sort it out)
Land vs. leased lot

Two very different purchases

The biggest fork in the road is whether you’ll own the ground under the home. It changes the title, the loan, the taxes and the approvals.

Home with land
If the home is on a permanent foundation on land you own, it can be part of the real estate: deed, title insurance and a regular mortgage. If it still has a vehicle-style title, the title can be surrendered and an affidavit of affixation recorded.
Home on a leased lot
The home is usually personal property with a certificate of title through Minnesota Driver and Vehicle Services. Financing is often a home-only (chattel) loan or cash, and you’ll pay monthly lot rent.
Approvals
Parks and communities usually approve new residents and have rules on pets, sheds, rentals and home age. Make the offer contingent on approval and on reviewing the lot lease.
Property taxes
A home affixed to land you own is taxed as real property. A home on leased land is taxed as personal property, and homestead must be requested by May 29 of the assessment year.
Document checklist

What to request once you find the one

We’ll post the listing write-up and seller’s disclosure here once there’s a home. Until then, this is the list we’ll ask for.

  • Seller’s disclosure, or any condition information the seller has
  • Certificate of title or deed, plus any recorded affidavit of affixation
  • Year built, make, model and serial number from the data plate
  • HUD certification label number on each section
  • Lot lease, park rules and the residency application (if in a park)
  • Current lot rent and any announced increases
  • Property tax statement showing taxes paid, and utility history
  • Any permits for additions, decks or sheds