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BocaCC Subdivisions Antigua | BocaCC Subdivisions Antigua Sales | BocaCC Subdivisions Balboa | BocaCC Subdivisions Balboa Sales | BocaCC Subdivisions Bermuda Village | BocaCC Subdivisions Candlewood | BocaCC Subdivisions Eastbrooke | BocaCC Subdivisions Fairways | BocaCC Subdivisions Greens | BocaCC Subdivisions Mykonos Court | BocaCC Subdivisions Somerset | BocaCC Subdivisions Spyglass | BocaCC Subdivisions St Tropez | BocaCC Subdivisions Antigua Sales | BocaCC Subdivisions Balboa Sales | BocaCC Subdivisions Bermuda Village Sales | BocaCC Subdivisions Candlewood Sales | BocaCC Subdivisions Eastbrooke Sales | BocaCC Subdivisions Fairways Sales | BocaCC Subdivisions Greens Sales | BocaCC Subdivisions Mykonos Court Sales | BocaCC Subdivisions Somerset Sales | BocaCC Subdivisions Spyglass Sales | BocaCC Subdivisions St Tropez Sales | BocaCC Aerial Photo | 3000 South | Addison-Mizner | Addison | Admirals Walk | Aegean | Ambassador East | Ambassador South | Aragon | Beachwalk East | Beresford | Boca Cove | Boca Mar | Boca Reef | Boca South | Boca Towers | Brighton | Casaurina | Chalfonte | Clarendon | Cloister Beach Towers | Cloister Del Mar | Coronado | Highland Towers | Highlands Place | La Corniche | La Fontana | Marbella | Monterey House | Ocean Dunes | Ocean Pines | Ocean Reef Towers | Ocean Terrace | Parker Highland | Patrician | Penthouse Highlands | Penthouse Towers | Placide | Regency Highland | Sabal Point | Sabal Shores | Sable Ridge | San Remo | Sea Ranch | Seagate | Stratford Arms | Tierra Del Mar | Toscana | Trafalgar | Villa Del Mar | Villa Magna | Villa Marie | Whithall | Whithall South | Yacht and Raquet Club | Country Clubs | Aberdeen | Addison Reserve | Boca Delray | Boca Lago | Boca Grove | Boca Teeca | Boca West | Boca CC | Boca Greens | Bocaire | Boca Pointe | Boca Woods | Broken Sound | Delaire | Gleneagles | The Hamlet | Hunters Run | Indian Springs | Mizner CC | The Polo Club | Royal Palm | St Andrews | Stonebridge | Woodfield |Bridgemill Subdivision, Great Sky, River Green and Woodmont, Canton Real Estate Homes for Sale in Canton, Canton GA Golf Course Homes, Bridgemill, Cherokee County Real Estate Holly Springs, Harmony on the Lakes Real Estate, Canton GA Real Estate, Woodstock Real Estate or all Real Estate in Cherokee County Kennesaw GA Real Estate, Kennesaw GA Golf Course Country Club Home, Cobb County Home, West Cobb Real Estate Eagle Watch offer an Arnold Palmer style golf course and Homes in Towne Lake Hills East offer a design by Arthur Hills Woodstock Georgia Golf Course Community sounds appealing, Eagle Watch and Towne Lake Hills Brookwood Brookwoods Towne Lake and Bradshaw Farms Towne Lake, Bridgemill Subdivision, Bradshaw Farms, Woodmont, River Green and Great Sky Adobe Estates Apache Country Club Estates Apache Manor Augusta Ranch Boulder Mountain Camberley Place Continental Homes at Superstition Springs Crismon Creek/Crossing Crismon Manor Crystal Manor Desert Heights Estates at Desert Shadows Falcon Hill Falcon Ridge Grandview Estates Las Sendas Meadow View Meridian Hills Moondance Parkwood East Parkwood Ranch Red Mountain Ranch Saguaro Mountain Saguaro Shadows Salerno Ranch Sierra Estates Sierra Heights Sierra Ranch Signal Butte Ranch Stoneridge Sonora Stoneridge East Superstition Point Superstition Springs Wynstone subdivision subdivisions sub division divisions Pelham, Riverplace, A G Wyatt, Abbeyhill Park, Abner Creek Mills, Adams, Alice, Allisons, Alta Vista, Ambergate, Andrews Farm, Annacey Park, Annika Acres, Apalache Mill, Apple Hill, Apple Valley, Apple Valley, Arbours, Arcadia Hills, Arial Mill, Arrowhead, Ascot, Ashby Park, Asheton, Asheton Lakes, Ashford, Ashlan Woods, Ashley Commons, Ashmore Lakes, Ashmore Lakes, Ashmore Springs, Augusta Acres, Augusta Ranches, Augusta Road, Autum Brooke, Autumn Hills, Avalon Reserve, Avon Park, Avondale Forest, Avondale Bailey Springs, Baldwin Commons, Baldwin Forest, Baldwin Woods, Ballentine Est., Ballentine, Barrington Park, Barwood, Batesville Ridge, Battery Point, Baucom Park, Beaver Brook, Beechwood Farms, Belle Meade, Bellestone, Bells Grant, Belmont Heights, Bennington, Bent Creek, Bentbrooke, Bentwood, Berea Forest, Berea Heights, Berkshire Park, Berry Farm, Bethel Greene, Birch Meadow, Birnam Woods, Blossom Branch, Blue Ridge, Blue Ridge Plantation, Bonnie Brae, Bonnie Vista, Botany Park, Botany Woods, Boxwood, Bradberry Place, Bradford Grove, Bradford North, Bradford Bradley Oaks, Braemor, Brandon, Brentwood, Briarcreek, Briarfield, Briargate, Briarwood, Bridges Crossing, Briggs Estates, Bright Farms, Brighton, Broadmoor, Brook Glenn, Brook Ridge Hills, Brookfield, Brookside, Brookstone Meadows, Bruce Farm, Brushy Meadows, Bruton, Bryson, Buncombe, Bunker Hill, Burdette, Burdine Springs, Burgiss, Butler Forest, Buxton, Cambridge, Camden Court, Camelot, Cameron, Campbell, Canebrake, Canterbury, Canyon Ridge, Capucine Acres, Cardinal Point, Cardo Acres, Cardwoods, Carey Plantation, Carisbrooke, Carlton Place, Carlyle Point, Carman Glen, Carolee Way, Carolina Country Club,Carolina Spring, Carriage Park, Carrington Green, Carson Place, Carsons Pond, Carters Grove, Casa Loma, Castlerock, Castleton, Cedar Cove, Cedarcreek, Chancelors Park, Chanticleer, Chapel Hill, Charleston Place, Charter Oaks, Chartwell, Chatelaine Condo, Chatham, Chatim Ridge, Chaunessy, Cherish, Cherokee Forest, Cherokee Valley, Chesterfield Estates, Chesterfield Estates, Chestnut Hill, Chevy Chase, Chick Springs, Chickasaw, Christopher, Churchill Falls, City Place, Claremont, Claremont, Clearview, Cleveland, Cliff Ridge, Cliffs Valley, Club Forest, Club Pointe, Club Pointe, Coachman Estate, Coachwood, Cobblestone, Coleman, College Heights, Collins Creek, Collinwood Park, Colonial Acres, Colonial, Commons At Butler, Conamara Farms, Coral Ridge, Cordell, Cottage Hill, Cotton Mill Place, Country Walk, Court Ridge, Creekside Place, Crescent Creek, Crescentwood, Crestview, Crestwood, Crisswood, Croftstone, Cross Creek, Crosswell Acres, Crowfield, Crystal Springs, Cunningham Acres, Cypress Point, Cypress Run, Danbury, Deer Crossing, Deercreek, Deerfield, Deerland, Del Norte, Dellwood, Devenger Place, Dillard Estates, Dove Tree, Dover, Drexel Terrace, Druid Hills, Dukeland, Duncan Station, Dunean, Dunwoody Oaks, Durbin Creek Farm, Eagle Pointe, Eagles Nest, Eastbrooke, Eastcreek Park, Eastgate, Eastover, Eastridge, Eastview, Edenberry, Edgewood, Edwards Forrest, Elletson Acres, Elrod Place, Emerald Oaks, Enoree Heights, Fairbrooke, Fairview Lake, Fairway Acres, Faris Ridge, Farmington Acre, Farr Estates, Fern Creek, Fern Creek, Fieldmont, Fieldstone, Five Forks Plantation, Farms at Beaver Creek, Fontana Forest, Ford Towne Estates, Forest Acres, Forest Cove, Forest Oaks, Forestbrook, Forestdale Forks of Beaverdam, Forrester Cove, Fountainbrook, Four Oaks, Fowler Woods, Fox Hollow Farm, Fox Run, Foxbrooke, Foxcreek, Foxcroft, Foxdale, Foxfield Common, Foxglove, Foxwood, Franklin Meadow, Freetown, Fresh Meadow, Furman Area, Gap Creek Crossing, Garlington Place, Garrenterra, Garrett Springs, Garrison Pines, Georgetown, Gibson, Gilder Creek Farm, Glassy Mountain, Glen Holly, Glen Laurel, Glen Meadows, Glendale, Glenlea, Glenwood Mill, Golden Grove, Golden Springs, Governor's Square, Gower Estates, Grandview Heights, Granite Woods, Gray Fox Run, Graystone Acres, Grayview Estate, Green Creek, Green Forest, Green Valley, Green Valley, Greens At Rocky, Greenville Country Club, Greer, Gresham Woods, Griffin Oaks, Grove Estates, Groveland Dell, Gunter Place, Gunter Place, Habersham, Hadley Park, Half Mile Lake, Hallmark, Hamilton Hills, Hammett Creek, Hammond Point, Hampton Grove, Hanging Rock, Harbor Town, Hardwood Place, Harrison Hills, Harrogate, Harts Lane, Hawkcreek, Hawkins Glen, Hawthorne Ridge, Haywood Acres, Hazelwood, Heartwood Place, Heathwood, Heritage Club Hickory Heights, Hidden Ridge, Highland, Hill Place, Hillsborough, Holland Place, Holly Acres, Hollyvale, Hollyvale, Holtzclaw, Home Stead Acre, Homeland Park, Hood Estates, Hornbuckle, Hudders Creek, Hudson Acres, Hunter Place, Hunters Landing, Huntington, Idlewild, Idlewild, Ingleside, Inglewood, Innisbrook, Isaqueena Park, Ivy Woods, Ivybrooke, Jamestown, Jenkins Estate, Jonesville Landing, Jordan Meadows, Judson, Judson Mill, Juniper Ridge, Kay Acres, Kaylas Corner, Kellett Park, Kendall Acres, Kennedy Park, Kennesaw, Kensington, Kentland Park, Kenwood, Keowee Key, Keowee Key, Kilgore Farms, Kilgore Plantation, Kilgore Point, Kings Court, Kingsberry Park, Kingsbridge, Kingsgate, Kingsland, Kingsley Park, Kingswood, Knollcreek, Knollwood, Lake Cooley Landing, Lake Hartwell, Lake Keowee, Lakeview Acres, Lakewood Estate, Lanfords Pointe, Langley Heights, Laurel Crest, Laurel Heights, Lavender Hill, Leacroft, League Estates, Ledgemont, Lee East, Lee Ridge, Lenhardt, Lennox Lake, Lewis Village, Liberty Ridge, Lightwood, Links O Tryon, Linkside, Lismore, Lofts at Mills Mill, Lonesome Pines, Long Creek, Longforest, Lyman Farms, Lynndale, Magnolia, Mahaffey, Major Estates, Mallard Cove, Mallard Green, Mansfield Park, Maple Creek, Maple Creek, Maplewood, Marshall Forest, Martins Grove, Mayfair Estates, Mays Meadow, Mcbee Mill Mccleer Place, Mcdaniel Green, Mckenna Commons, Mcswain Gardens, Meadow Brook, Meadowbrooke, Meadowcrest, Meadowoods, Merrifield Park, Merry Meadows, Middle Creek, Mill Pond, Millbrook, Miller Heights, Mills Mill, Millstone, Mink Creek, Monaghan, Montague, Montclaire, Montcrest, Monte Vista, Montebello, Morganwood, Morning Lake, Morning Mist, Mount Vera, Mountain Creek, Mountainbrook, Mount Carmel, Mount Vernon, Nalley-Roper, Neely Farm, Neely Forest, Nelson Woods, Nelsons Creek, New Town Mount, Nicholtown, Norman Heights, North Acres, North Garden, North Main, North Main, Northcliff, Northgate Trace, Northside Garden Northview Acres, Oak Creek, Oak Crest, Oak Crest, Oak Glen, Oak Knoll, Oakdale, Oakfern, Oakhurst Villas, Oats, Orchard Acres, Orchard Farms, Overbrook, Pack Ridge, Palmetto Acres, Panorama Farms, Panorama Farms, Paramount Park, Paris Mt, Paris Mountain, Parkdale, Parkins Grove, Parks Grove, Parkside, Parkstone, Parktowne Condominiums, Parkview, Parkwood, Partridge Ridge, Patriots Point, Peachtree, Pebble Creek, Pecan Terrace, Pelham Estates, Pelzer Mill, Pemberton Place, Pennington Pointe, Peppertree, Pheasant Ridge, Pleasant Ridge, Pickwick Piedmont Park, Pilgrims Point, Pine Brook, Pine Shadows, Pinehurst, Pinnacle Towns, Plantation Greene, Plantation on Pelham, Planters Row, Planters Walk, Pleasant Grove, Pleasantwood, Poe Mill, Poinsett Corners Condos, Poinsettia, Ponderosa, Poplar Forest, Powder Springs, Powderhorn, Preserve at Parkins Mill, Providence, Providence, Quail Haven, Quartermein, Quincy Acres, Raintree, Redfearn, Reedy Falls, Reid Valley, Remington, Revis Falls, Ricelan Springs, Richglen, Richland, Richmond Hills, Ridgecreek, Ridgeview, Ridgewood Ridgewoodharbor, Ripley Station, Ripley Station, River Bluff, River Breeze, River Downs, River Falls, River Falls, River Falls Pla, River Falls Plantation, River Reserve, River Walk, Riverbend, Riverbirch, Riverdale, Riverside Chase, Riverwood Farms, Riverwoods, Rock Ridge, Rockcrest Woods, Rockcrest Woods, Rockvale, Rockview, Rockwood Pointe, Rocky Chase, Rogers Mill, Roper Meadows, Rosedale, Rosewood, Russells, Saddle Creek, Saddlers, Saluda Lake, Sandalwood, Sanibel, Sans Souci, Savannah, Schwiers, Scottswood, Sedgefield, Sedgefield, Sedgewood, Serene, Seven Oaks, Shadow Moss, Shadow Oaks, Shadow Oaks, Shadowood, Shady Grove, Shamrock Acres, Shelburne Farms, Sherwood Forest, Shiloh Estates, Shoal Creek, Shorebrook, Silver Ridge, Silverleaf, Sitton, Skyland, Slater, Smithfields, Somerleaf, South Field, South Tyger, Southwood, Sparrows Spartan Place, Spartan, Spaulding Farm, Spring Crossing, Springfield, Sprouse Farm, Squires Creek, St James Place, St. Mark's Point, Standing Springs Estates, Stanridge, Starcrest, Starsdale, Steeple Chase, Sterling Estate, Stillpointe, Stone Creek, Stonebriar, Stonebridge, Stonebrook Farm, Stonehaven, Stonewall, Stonewyck, Strathmore, Stratton, Sugar Creek, Summer Hill, Summerfield, Summerplace, Summersett Manor, Summersett, Summerwalk, Summerwood, Summerwoods, Suncrest Ridge, Sunny Acres, Sunset, Swansgate, Sweetwater, Sycamore, Sylvan Manor, Table Rock Resort, Tall Oaks, Tanglewood, Taniere Ridge, Tanner Mill, Terra Pines, Terra Woods, Terrace Acres, Teton Forest, Arbors, Bookends, Brio, Brooks, Cliffs at Glassy, Columns at Roper Mountain, The Edge on North Main, The Farm at Sandy Springs, The Preserve at Mountain Creek, The Village, The Vineyard, Thomas Pointe, Thornblade, Thornbrooke, Thornhill, Thornton, Thornwood, Thurston, Timber Walk, Timberlake, Timberlane, Timbertrace, Timberwood, Timbrooke, Tinsley, Town Park, Travelers Ridge, Traxler Park, Treaty Point, Trentwood, Trinitys Gate, Trollingwood, Tugaloo Farms, Tuscan Woods, Twin Creeks, Twin Lakes, Tymberbrook, Union Bleachery, University Place, Valencia Estate, Valley Brook, Valley Haven, Valley View, Vardy Vale, Verdmont, Victor Mill, Victory, Villas At Thornblade, Vineyards at North Main, Vinland Farms, Viola, Virginia Condos, Vista Hills, Wade Hampton, Walkers Crossing, Warrenton, Watercrest, Waterford Park, Waters Edge, Waterton, Watson Grove, Watson Orchard, Waverly Hall, Weatherstone, Wedgefield, Wedgewood, Welcome, Wellington Green, Wemberly, Wendermere, Wenwood Towns, West Oaks, Westchester, Westcliffe, Western Hills, Westview, Westwood, Wexford, Whispering Pine, White Horse Hts, White Horse, White Oak, Wildflower, Williamsburg, Williamsport, Willow Brook, Wilson Ferry, Windermere, Windsor Forest, Windstone, Wood Creek, Woodberry, Woodbridge, Woodcrest, Woodfield, Woodgreen, Woodgrove, Woodhedge, Woodington, Woodlake, Woodland, Woodlands, Woodridge, Woodruff Lake, Woodsberry, Woodside, Woodson Lake, Woodville, Woodwind, Wyatt Oaks, Wynfield Court, Yorktown Condos ABATEMENT OF NUISANCE: Extinction or termination of a nuisance. ABSTRACT OF TITLE: A condensed history or summary of all transactions affecting a particular tract of land. A complication in orderly arrangement of the documents of record affecting the title to a specific piece of land, issued under an abstractor's certificate certifying to the matters contained therein. A history book of the subject property. Does not guarantee title. ACCELERATION CLAUSE: A clause in a contract by which the time for payment of a debt is advanced, usually making the obligation immediately due and payable, because of the breach of some condition, such as failure to pay an installment when due. ACCEPTANCE: The indication or manifestation by the party receiving an offer he is willing to be bound by the terms of the offer. ACCESS: The right to enter and leave a tract of land from a public way. Oftentimes the right to enter and leave over the lands of another. ACCRETION: An addition to land from natural causes. The slow buildup of lands caused by natural forces such as the ocean, rivers, wind or flow of water. ACCRUED DEPRECIATION: The difference between the cost of replacement new as of the date of the appraisal and the present appraised value. ACCRUED ITEMS OF EXPENSE: Those incurred expenses, which are not yet payable. The seller's accrued expenses are credited to the purchaser on a closing statement. Example: taxes for that portion of the year during which the seller owned the property which are payable by the seller but not due yet. ACKNOWLEDGEMENT: A declaration made by a person to a notary public, or other public official authorized to take acknowledgements, that the instrument was executed by them and that it is their free and voluntary act. ACRE: A measure of land equaling 160 square rods, or 4,840 square yards, or 43,560 square feet, or a tract about 208.71 feet square. ACRE FOOT: A term used in measuring the volume of water, equal to the quantity of water required to cover one acre one foot in depth, or 43,560 cubic feet. ACTUAL NOTICE: Knowledge of a fact or occurrence acquired directly through information received or personal experience. See also, "notice" and "constructive notice". ADDITIONAL ADVANCE: An instrument evidencing an increase in the amount of a loan from what appears on the original Deed of Trust or Mortgage. AD VALOREM: According to valuation. Ad Valorem taxes on real property are based on the assessed value of the property. Latin meaning "according to value". ADVERSE POSSESSION: Possession of real property which is actual, hostile, open, notorious, exclusive, uninterrupted and continuous for the prescriptive period stipulated by state law. (In Colorado 18 years plus 2 years for disability.) Possessor usually has some claim or color of title, but does not have good record title. AFFIDAVIT: A statement or declaration reduced to writing and sworn to or affirmed before some officer who has authority to administer an oath or affirmation. AFFIRM: To confirm, to ratify and to verify. AFTER-ACQUIRED TITLE: Real property rights, which are acquired by the seller of the property after title to the property has been conveyed. Example: A defect in the chain of title may impair the title held by the apparent owner of a parcel. Subsequent to that owner's conveyance by deed to another, a corrective instrument may be recorded which cures the defect, thereby conveying after acquired title to the former owner (and to the present owner, unless title was acquired by quit claim deed). NOTE: A Quit Claim Deed does not convey after-acquired title, but a Warranty Deed, Special Warranty Deed or Bargain and Sale Deed does. AGENCY: A legal relationship resulting from an agreement or contract, either, expressed or implied, written or oral, whereby one person, called the agent, is employed by another called the principal, to do certain acts in dealing with a third party on behalf of the principal. AGENT: Any person, partnership, association, or corporation authorized or employed by another, called the principal, to act for, on behalf of, and subject to the control of the latter. AIR RIGHTS: The rights of an owner of a real property to use the air space above the physical surface of the land. AKA: "Also known as" - if a person has some interest in real property by one name, but also uses another name - i.e.; MARY JONES aka MARY HARDING JONES. ALTA: American Land Title Association. An Association of title insurance companies, abstractors, and attorneys specializing in real property law, which speaks for the title insurance and abstracting industry and established standard title policies and procedures, with headquarters in Washington, D.C. ALIENATION: The transferring of property to another; the transfer of property and possession of lands, or other things, from one person to another. ALLODIAL TENURE: A real property ownership system where ownership may be complete except for those rights held by government. Allodial is in contrast to feudal tenure. ALLUVION (ALLUVIUM): Soil deposited by accretion. Increase of earth on a shore or bank of a river. ALTA/TITLE POLICY (AMERICAN LAND TITLE ASSOCIATION): A type of title insurance policy issued by title insurance companies which expands the risks normally insured against under the standard type policy to include unrecorded mechanic's liens; unrecorded physical easements; facts a physical survey would show; water and mineral rights; and rights of parties in possession, such as tenants and buyers under unrecorded instruments. AMENITIES: In real estate, amenities refer to such circumstances, in regard to location, outlook or access to a park, lake, highway, view, etc., which enhance the pleasantness or desirability of real estate, and which contribute to the pleasantness or desirability of real estate, and which contribute to the pleasure and enjoyment of the occupants. AMORTIZATION: The liquidation or gradual retirement of a financial obligation by means of systematic payments over a specific period of time. Also, recovery, over a period of time, of cost or value. AMORTIZED LOAN: A loan that is completely paid off, interest and principal, by a series of regular payments that are equal or nearly equal. Also called a Level Payments Loan. AMORTIZATION SCHEDULE: A chart or table, which sets out the amount of the payments, interest and principal, and the balance on the loan after the payment has been made. ANNUAL PERCENTAGE RATE (APR): All finance charges, interest, points, and other fees computed over the term of the loan. APR must be disclosed to the borrower as a result of the Federal Government's "Truth In Lending" Laws. "Regulation Z" requires that when a real estate loan is made to a natural person and not for business purposes, the APR must be disclosed. ANNUITY: A series of assured equal or nearly equal payments to be made over a period of time or it may be a lump sum payment to be made in the future. The installment payments due to the landlord under a lease are an annuity. So are the installment payments due to a lender. In real estate finance, we are most concerned with the first definition. APPRAISAL: An estimate of the quality or value of property; the process by which conclusions on the value of property are obtained; also refers to the report setting forth the estimate of value together with the basis for such conclusions. APPURTENANCE: Improvements, rights and privileges which are not necessarily a part of actual real property, but which are normally conveyed with the real property, i.e., buildings, rights of way, easements. ARBS: Arbitrarily assigned numbering systems to quickly identify parcels or tracts of land, which have no other easy means of identification. (i.e., metes and bounds parcels subdivided out of a large tract of land.) ARREARS: Items paid after the end of the period for which they are due, such as taxes for last year are paid this year; interest is paid on the loan payment for the month past. ASSESSED VALUE: The value of real property estimated for the purpose of computing real property taxes. ASSESSMENT: The imposition of a tax, charge or levy, usually according to established rates. Special Assessment: A charge against real property made by a unit of government to cover the proportionate cost of an improvement, such as a street or sewer. ASSESSOR: A public official who evaluates property for the purpose of taxation. ASSIGNMENT: A transfer of some right, title or interest by one person or entity (assignor) to another (assignee). Assignments of Deed of Trust, leases, options, contracts, and other items are seen in a chain of title. ASSIGNOR: One who assigns or transfers property, real or personal ASSIGNS: ASSIGNEES: Those to whom property rights title or interests shall have been transferred. ASSIGNMENT OF RENTS: Additional security taken usually in connection with a mortgage or deed of trust which pledges any income from rent or leases in addition to the actual property. ASSUMPTION AGREEMENT: An agreement by one party to assume liability for payment of a debt or obligation primarily resting upon another person. Example: A buyer of real property may assume the existing mortgage previously given by the seller. ASSUMPTION FEE: A lender's charge for changing over and processing new records for a new owner who is assuming an existing loan. ASSUMPTION OF MORTGAGE: The taking of title to property by a grantee, wherein he/she assumes liability for payment of an existing note secured by a mortgage or deed of trust against the property; becoming a co-guarantor for the payment of a mortgage or deed of trust note. ATTACHMENT: A type of lien, permitted only under special circumstances, which is placed against the real estate of a defendant in a pending law suit for money damages. Legal seizure of property to force payment of a debt. ATTEST: To affirm that a fact of document is true or genuine; an official act establishing authenticity. ATTORNEY IN FACT: One who holds a Power of Attorney from another allowing them to execute legal documents such as deeds, mortgages, etc., on behalf of the grantor of the power. Power of Attorney may be limited to a specific act or acts, or it may be a general Power of Attorney. ATTORNEY'S OPINION: In real estate, the written opinion of an attorney at law regarding the marketability of title to real property based upon an examination of the abstract of title or the records in the County Clerk Recorder's Office. BACKFILL: The replacement of excavated earth into a hole or against a structure. BALLOON PAYMENT: When credit is advanced by note or contract and payment is required in regular equal installments and the note or contract will mature before the note is paid in full, a payment, which may be larger than the regular payment, will fall due. This larger payment is called a "balloon payment". BANKRUPT: A person who, through a court proceeding, is relieved for the payment of all his debts after surrender of all assets to a court appointed trustee. BARGAIN AND SALE DEED: Any deed that recites a consideration and purports to convey the real estate; By Colorado statute, a deed, which contains no warranties of title but does convey after acquired title. BAR STANDARDS: (Title Standards): Rules or standards promulgated by the Colorado Bar Association to resolve problems of title examination for which there is no statutory solution. BASE AND MERIDIAN: Imaginary lines used by surveyors to find and describe the location of private or public lands. BASELINE: Imaginary east-west lines that intersect meridians to form a starting point for the measurement of land. BASIS: The original cost of a property, plus capital expenditures for improvements, minus depreciation. Basis is the means by which the Internal Revenue Service determines taxable gains, losses and annual depreciation. BEARING WALL OR PARTITION: A wall or partition supporting any vertical load in addition to its own weight. BENCH MARK: A mark on a permanent object indicating elevation and serving as a reference in land surveys. BENEFICIARY: The person who receives or is to receive the benefits resulting from certain acts; one receiving benefits, profits or advantage; one for whose benefit a trust is created, the title of which is vested in a trustee. The lender on the security of a note and deed of trust. BEQUEATH: To leave personal property to another by will, as a bequest. To give or hand down by will. BEQUEST: That which is given by the terms of a will. BETTERMENT: An improvement upon property which increases the property value and is considered as a capital asset as distinguished from repairs or replacements where the original character or cost is unchanged. BILL OF SALE: A written instrument by which one person transfers or conveys right, title or interest in personal property to another. BINDER: A title binder is a title commitment. An insurance binder for hazard insurance gives immediate hazard insurance protection until a policy can be issued. Also, an agreement to consider a down payment for the purchase of real estate as evidence of good faith on the part of the purchaser. BLIGHTED AREA: A declining area in which real property values are seriously affecting by destructive economic forces, such as encroaching inharmonious property usages, infiltration of lower social and economic classes of inhabitants, and/or rapidly depreciating buildings. BONA FIDE: In good faith, without fraud. BOND: An obligation under seal. (A real estate bond is a written obligation issued on security of a mortgage or deed of trust). BREACH: The breaking of a law, or failure to not perform a duty owed to another, either by omission or commission. BROKER: A person employed by another for a fee to carry on any of the activities listed in the license law definition of a broker, including selling, buying, leasing or negotiating the sale of real property. BUILDING CODE: A systematic regulation of construction of buildings within a municipality established by ordinance of law. BUILDING LINE: A line set by law a certain distance from a street line in front of which an owner cannot build on his lot. (A setback line). BUILDING, MARKET VALUE OF: The sum of money, which the presence of that structure adds to or subtracts from the value of the land it occupies. Land valued on the basis of highest and best use. BUNDLE OF RIGHTS: The legal rights or interests that an owner holds in a property. The right to control, use, possess, enjoy and dispose of real or personal property. BUREAU OF LAND MANAGEMENT: (BLM): The government agency in charge of surveying and administering public lands. CAPITAL GAIN: Income from a sale of an asset rather than from the general business activity. Capital gains are generally taxed at a lower rate than ordinary income. CASH FLOW: The net income generated by a property before depreciation and other non-cash expenses. CAVEAT EMPTOR: Let the buyer beware. The buyer must examine the goods or property and buy at his own risk. CENTER OF INFLUENCE: One, who, by the nature of his relationships, is in a position to sway others. CERTIFICATE OF REASONABLE VALUE: Commonly referred as a "CRV". Veteran's Administration's certified appraisal of value of real property. CCR'S: Abbreviation for covenants, conditions and restrictions. CERTIFICATE OF SATISFACTION: A certificate issued by the Clerk of the Court certifying that a judgment has been satisfied. CERTIFICATE OF TAXES DUE: A written statement of guaranty of the condition of the taxes on a certain real property, made by the County Treasurer of the County wherein the property is located. (Any loss resulting to any person from an error in a tax certificate shall be paid by the county which such treasurer represents.) CHAIN: A unit of measurement used by surveyors. A chain consists of 100 links equal to 66 feet. CHAIN OF TITLE: A term applied to the past series of transactions and documents affecting the title to a particular parcel of land. A history of conveyances and encumbrances affecting the title from the time the original patent was granted, or as far back as records are available. CHATTEL: Any item of property other than real estate, usually referred to as personal property; an item of movable property. CHATTEL MORTGAGE: A claim on personal property (instead of real property) used to secure or guarantee a promissory note. (See definition of Security Agreement and Security Interest). CHATTEL REAL: An estate related to real estate, such as a lease on real property. CHECK: See "QUADRANGLE". CLEAR TITLE: One which is not encumbered or burdened with defects. CLOSING STATEMENT: An accounting of funds made to the buyer and seller separately. Required by law to be made at the completion of every real estate transaction. Itemizes all funds received from or credited to and all payments made or debited to the party for whom the statement is prepared. CLOUD IN TITLE: An outstanding claim or encumbrance, which, if valid, would affect or impair the title of the owner of the real property. COGNOVIT NOTE: Note containing a confession of judgment by the borrower. COLLATERAL SECURITY: Often called simply "collateral". In banking parlance, it means some security given in addition to the personal obligation of the borrower, as a chattel mortgage or deed of trust. COLLUSION: An agreement between two or more persons to defraud another of his rights by the use of lawful means, or to obtain an object forbidden by law. COLOR OF TITLE: That which appears to be good title but which is not title in fact. Example: A deed from a party, which was not entitled to convey the property. COLORADO ASSOCIATION OF REAL ESTATE BOARDS: The state association of real estate sales personnel whose goal is the professional advancement of the real estate industry and whose membership is comprised of the local real estate boards. Often abbreviated as CAR. COMMERCIAL ACRE: A term applied to the remainder of an acre of newly subdivided land after the area devoted to streets, sidewalks and curbs, etc. has been deducted from the acre. COMMINGLING: Mixing money belonging to others with personal or business funds. COMMITMENT TO INSURE: A report issued by a title insurance company, or its agent, showing the condition or the title and committing the title insurance company to issue a form policy as designated in the commitment, upon compliance with and satisfaction of requirements set forth in the commitment. COMMON LAW: The principles and rules of law, originating from usage and custom, sanctioned by the courts, which are not dependent upon legislative expression or enactment for their authority; also that body of law, based on custom and usage, developed and formulated by the old English courts. CONDITIONAL SALE CONTRACT: A contract for the sale of property stating that delivery is to be made to the buyer, title to remain vested in the seller until the conditions of the contract have been fulfilled. CONDOMINIUM: A system of individual fee ownership of units in a multi-unit structure, combined with joint ownership of common areas of the structure and the land. CONDOMINIUM DECLARATION: A declaration describes condominium ownership. It commits the property to condominium development, defines the complex and the air spaces, the general common elements and limited common elements and establishes the basic rights and obligations of the owners. In addition, it provides for the creation of a management association with the authority to collect common expenses and otherwise act for the benefit of all owners. It makes it possible for the assessor to tax each unit separately. CONFIRMATION OF SALE: A court approval of the sale of property by a Personal Representative, Guardian or Conservator. CONFISCATION: The seizing of property without compensation. CONSERVATION: The process of utilizing resources in such a manner as to minimize depletion. CONSERVATOR/CONSERVATRIX: A person appointed by the court to protect and preserve the lands and property of an individual physically incapacitated or otherwise not able to handle his own affairs. CONSIDERATION: One of the essential elements of a contract; a promise or an act of legal value bargained for and received in return for a promise. CONSTANT: The percentage which, when applied directly to the face value of a debt, develops the annual amount of money necessary to pay a specified net rate of interest on the reducing balance and to liquidate the debt in a specified time period. For example, a 6% loan with a 20-year amortization has a constant of approximately 8½%. Thus, a $10,000.00 loan amortized over 20 years requires an annual payment of approximately $850.00. CONTRACT: An agreement, enforceable at law, between two or more competent persons, having for its object a legal purpose, wherein the parties agree to act in a certain manner. CONTRACT FOR DEED: An agreement to sell and purchase, under which title is withheld for the purchaser until such time as the required payments to the seller have been completed. Commonly referred to as an Installment Land Contract. CONSTRUCTION LOANS: Loans made for the construction of homes or commercial buildings. Usually funds are disbursed to the contractor-builder during construction and after periodic inspections. Disbursements are based on an agreement between borrower and lender. CONSTRUCTIVE EVICTION: Breach of a covenant of warranty or quiet enjoyment, i.e., the inability of a lessee to obtain possession because of a paramount defect in title, or a condition making occupancy hazardous. CONSTRUCTION MORTGAGE OR DEED OF TRUST: A short-term mortgage or deed of trust used to finance the building of a structure. CONSTRUCTIVE NOTICE: Often called "legal notice"; the conclusive presumption that all persons have knowledge of the contents of an instrument recorded in the office of the county clerk and recorder. CONTOUR: The surface configuration of land. CONVENTIONAL MORTGAGE OR DEED OF TRUST: A mortgage or deed of trust securing a loan made by investors without governmental underwriting, i.e., which is not FHA insured or VA guaranteed. CONVERSION: Change from one character or use to another. Example: Apartment house converted to Condominiums. CONVEY: The act of deeding or transferring title to another. CONVEYANCE: An instrument in writing by which some estate, interest or title in real estate is transferred for one person to another such as a deed or mortgage or deed of trust. COOPERATIVE OWNERSHIP: A form of apartment ownership. Ownership of shares in a cooperative venture, which entitles the owner to use, rent or sell a specific apartment. The corporation usually reserves the right to approve certain actions such as a sale or improvement (distinguish condominium ownership). COORDIANATE SYSTEM: A method of land description using measurements from an intersection of a defined north-south axis and a defined east-west axis. CORPORATION: A group or body of persons established and treated by law as an individual or unit with rights and liabilities or both, distinct and apart from those of the persons composing it. A corporation is an entity having certain powers and duties of a natural person. Being created by law, it may continue for any length of time the law prescribes. CORPOREAL RIGHTS: Possessory rights in real property. CORRECTION LINES: A system of compensating for inaccuracies in the Government Rectangular Survey System due to the curvature of the earth. Every fourth township line, 24 mile intervals, is used as a correction line on which the intervals between the north and south range lines are re-measured and corrected to a full six miles. COST: A historical record of past expenditures, or an amount, which would be given in exchange for other things. COTERMINUS: Adjacent; adjoining; having a common boundary. COURSES AND DISTANCES: A method of describing or locating real property. This description gives a starting point and the direction and length of lines to be run, practically indistinguishable from metes and bounds description. COVENANTS: An agreement written into deeds and other instruments promising performance or non-performance of certain acts, or stipulating certain uses or non-uses of the property. CUBIC FOOT PER SECOND: A unit of discharge for measurement of flowing liquid, equal to a flow of one cubic foot per second past a given section. Also called Second-Foot. CUL DE SAC: The terminus of a street or alley. Usually laid out by modern engineers to provide a circular turn around for vehicles. A passage way with one outlet. Streets in newer subdivisions are sometimes built in cul-de-sac fashion. DAMAGES: The amount of compensation recoverable by a person who has sustained an injury, either in his person, property or relative rights, through the act or default of another. DBA: "Doing Business As". John Doe dba "Joe's Sporting Goods". Note: Usually will have filed a Trade Name Affidavit reciting the John Doe is doing business under the assumed name of "Joe's Sporting Goods". DEBENTURE: Bonds issued without security. DEBTOR: This is the party who "owns" the property, which is subject to the Security Interest. Previously he/she was known as the mortgagor or the pledgor, etc… DECREE OF FORECLOSURE: Decree by a court in the completion of foreclosure of a mortgage, contract, deed of trust or other liens. DEDICATION: An appropriation of land to some public use, made by the owner, and accepted for such use by or on behalf of the public, such as streets in a platted subdivision. A designation by the owner that property is deemed to be public property. DEED: A legal instrument in writing, duly executed, and delivered, whereby the owner of real property (grantor) conveys to another (grantee) some right, title or interest in or to real estate. A written document by which the ownership of land is transferred for one person to another. DEED IN LIEU OF FORECLOSURE: A deed for a debtor to a lender conveying title to real property given by the debtor as collateral to secure a mortgage or deed of trust for the benefit of the lender, on which obligation the debtor is in default. The deed is given in consideration of the lender's cancellation of the debtor's obligation in lieu of statutory or judicial foreclosure proceedings. DEED RESTRICTION: A provision in a deed controlling or limiting the use of the land. DEED OF TRUST: The recorded document, which secures a loan to the owner of the property. In Colorado given to the Public Trustee (second party) of the county in which the property is located for the benefit of the lender (secured party). Similar to a mortgage. DEFAULT: The non-performance of a duty; the omission or failure to perform a legal duty; failure to meet an obligation when due. DEFEASANCE CLAUSE: The clause in a mortgage that gives the mortgager the right to redeem his property upon the payment of his obligations to the mortgagee. DEFEASIBLE FEE: Sometimes called a base fee or qualified fee; a fee simple absolute interest in land that is capable of being defeated or terminated upon the happening of a specified event. DEFERRED MAINTENANCE: Existing but unfulfilled requirements for repairs and rehabilitation. DEFERRED PAYMENT OPTIONS: The privilege of deferring income payments to take advantage of the tax statutes. DEFICIENCY JUDGEMENT: A judgment given when the value of security pledged for a loan does not satisfy the debt upon its default. DELIVERY: The final and absolute transfer of a deed from seller to buyer in such a manner that the seller cannot recall it. A necessary requisite to the transfer of title. DEPRECIATION: Loss of value in real property brought about by age, physical deterioration or functional or economic obsolescence. Broadly, a loss in value from any cause. DESIST AND REFRAIN ORDER: An order directing a person to desist and refrain from committing an act in violation of the real estate law. DEVISE: A gift of real property by the last will and testament of the donor. The disposition of land by will. A term used for land alone and never for personal property. DEVISEE: One who receives a bequest made by will. DEVISOR: One who bequeaths by will. DISCOUNT: An amount deducted in advance from the principal before the borrower is given the use of the principal. DISPOSSESS: To deprive one of the uses of real estate. DOCUMENTARY FEE: A Colorado state law requiring a fee of one cent for each one hundred dollars of consideration paid by the person recording an instrument of conveyance to the Clerk and Recorder. DOWER: An interest in the lands of a husband allowed to a wife by force of law. A common law estate in land given to the wife in her husband's real property upon his death, consisting of a life estate in one-third of all the real estate owned by the husband during the marriage. Abolished in Colorado. DURABLE POWER OF ATTORNEY: A power of attorney, which is not affected by the disability of the person giving the power to his attorney in fact (must be specifically recited in the power of attorney). DURESS: Unlawful constraint exercised upon a person whereby he is forced to do some act against his will. EARNEST MONEY: Advance payment of part of the purchase price to bind a contract for the sale and purchase of property. It is an evidence of good faith on the part of the purchaser. EASEMENT: An interest in land owned by another that entitles its holder to a specific limited use, such as laying a sewer, putting up electric power lines, or underground utilities, or crossing the property. The right to use another's land for a specific purpose such as a right of way. Created by grant or agreement for a specific purpose. EAVES: The lower part of a roof projecting over the wall. ECONOMIC LIFE: The period over which a property will yield a return on the investment, over and above the economic or ground rent (due to land). ECONOMIC OBSOLESCENCE: A loss in value due to factors away from the subject property but adversely affecting the value of the subject property. EFFECTIVE INTEREST RATE: The percentage of interest that is actually being paid by the borrower for the use of the money. EGRESS: The right to leave a tract of land. Often used interchangeable with access (see access). EMINENT DOMAIN: The power of the state to take private property for public use upon payment of just compensation. The right of a governmental entity or other agency authorized by law to take private property for public use upon the payment or just compensation. The legal proceeding by which the government exercises this right is called "condemnation proceedings". The right of the government to do this, and the right of the private citizen to get paid, are set out in the Fifth Amendment to the United States Constitution. ENCROACHMENT: The intrusion of a structure, part of a building, or obstruction over or upon a highway, sidewalk, easement or the property of another. ENCUMBER: To burden a parcel of land with a lien or charge such as a mortgage or deed of trust. ENCUMBRANCE: A claim, lien, charge or liability attached to and binding upon real property, such as a judgment, mortgage, deed of trust, mechanics lien, lien for unpaid taxes, right-of-way. ENDORSEMENT: A written change or modification of a commitment or policy. Also, writing one's name, either with or without additional words, on a negotiable instrument or on an attachment thereto. EQUITY: The interest or value, which an owner has in real estate over and above the liens against it. EQUITY OF REDEMPTION: The right to redeem property during the foreclosure period such as a mortgagor's right to redeem prior to foreclosure. EROSION: The wearing away of land by the action of water, wind or glacial ice. ESCALATION: The right reserved by the lender to increase the amount of the payments and/or interest upon the happening of a certain event, i.e. due on sale etc… ESCALATION CLAUSE: A clause in a contract providing for the upward or downward adjustment of certain items to cover specified contingencies. ESCHEAT: A reversion of property to the state in those cases where an individual dies without heirs or devisees and without heirs or devisees and without a will. ESCROW: A procedure whereby a disinterested third party handles legal documents and funds on behalf of a seller and buyer. In real estate, a deed, monies, or other documents which are conditionally held by a third party, called the escrow agent, pending the performance or fulfillment of some act of condition. Generally upon written instructions called "an escrow agreement". ESCROW AGREEMENT: A written agreement between two or more parties whereby the grantor, promisor or obligor delivers certain instruments into the hands of a third party until the happening of a contingency or performance of a condition, and then to be delivered to the grantee, promises or obligee. When everything is deposited to enable carrying out the instructions, it is called a complete or perfect escrow. ESTATE: A person's possessions. In real estate, it refers to the degree, quantity, nature and extent of interest, which a person has in real property; such as a fee simple absolute estate, or an estate for years. ESTATE OF INHERITANCE: An estate, which may descend to one's heirs. All freehold estates are estates of inheritance except life estates, which are not "autre vie" (for the life of another). ESTATE OF LIFE: A freehold estate, but which is held by the tenant for his own life or lives of one or more other persons, or for an indefinite period which may endure for the life or lives or persons in being. ESTIMATE: To form a preliminary opinion of value. ESTOPPEL: A doctrine, which bars one from asserting rights, which are inconsistent with a previous position or representation. ET. AL.: An abbreviation for et alius, meaning "and another" or "and others". ET. UX.: Abbreviation meaning "and wife". ET. VIR.: Abbreviation meaning "and husband". EVICTION: Dispossession by process of law; the act of depriving a person of the possession of lands, pursuant to the judgment of a court. EXCEPTIONS: A list of flaws, clouds, encumbrances or uncertainties, or other interests that title insurance will not guarantee that our insured has a priority over. EXCLUSIVE AGENCY LISTING: A listing whereby the owner appoints one real estate broker as his sole agent for a specified period of time. The owner may sell the property to a buyer, which he himself finds without paying the broker's commission. EXCLUSIVE RIGHT TO SELL LISTING: A listing whereby the owner appoints one real estate broker as his sole and exclusive agent for a specified period of time. No matter who sells the property, including the owner himself, the broker is entitled to a commission. EXECUTE: To complete, to make, to perform, to do, to follow out; to execute a deed, to make a deed, including especially signing, sealing and delivery. To execute a contract is to perform the contract, to follow out to the end, to complete. EXECUTION: A writ issued by a court to the sheriff directing him to seize and sell property to satisfy a debt. EXECUTOR: See "Personal Representative". FEE: An estate of inheritance in real property. FEE SIMPLE ABSOLUTE: Often called a fee or fee simple; the most comprehensive ownership of real property known to the law; the largest bundle of ownership rights possible in real estate. In modern estates, the terms "Fee" and "Fee Simple" are substantially synonymous. The term "Fee" is of Old English derivation. "Fee Simple Absolute" is an estate in real property, by which the owner has the greatest power over the title, which it is possible to have, being an absolute estate. In modern use, it expressly establishes the title of real property in the owner, without limitation or end. He may dispose of it by sale, or trade or will, as he/she chooses. It is also defined as the most complete ownership in land or as the most complete bundle of rights one can have in land. FARMERS HOME ADMINISTRATION: An agency of the Department of Agriculture. Primary responsibility is to provide financial assistance for farmers and others living in rural areas where financing is not available on reasonable terms from private sources. FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC): Agency of the federal government, which insures deposits at commercial banks and savings banks. FEDERAL HOME LOAN BANK (FHLB): A district bank of Federal Home Loan Bank system that lends only to member savings and loan association. FEDERAL HOME LOAN BANK BOARD (FHLBB): The administrative agency that charters federal savings and loan associations and exercises regulatory authority over the FHLB system. FEDERAL HOUSING ADMINISTRATION (FHA): An agency of the federal government that insures mortgage loans. FOOTING: The base or bottom of a foundation wall, pier or column. FORECLOSURE: The act of selling by legal proceeding real property to satisfy the obligations of the landowner to a third party. Procedure whereby property pledged as security for a debt is sold to pay the debt in event of default in payments or terms. FORECLOSURE CERTIFICATE: A list of the instruments affecting any interest in property subsequent to the recording of the encumbrance being foreclosed. Usually used to determine who must be notified before foreclosure can be completed. FORECLOSRUE GUARANTEE: Guarantees the accuracy, a report listing all interests in real property, which are subordinate to the encumbrance to be foreclosed for purposes of a foreclosure. FOREIGN: Not of the state; in or of another state, e.g. foreign estate proceedings. FORFEITURE: Loss of money or anything of value, due to failure to perform a contractual obligation. FOUNDATION: The supporting portion of a structure below the first floor construction or below grade, including the footings. FRONTAGE: Land bordering a street. FRONT MONEY: The minimum amount of money necessary to initiate a real estate venture. GUARDIAN: One appointed by the court to administer the affairs of an individual not capable of administering his own affairs, e.g. a minor .GENERAL LIEN: A lien on all the property of a debtor. GIFT DEED: A deed which the consideration is love and affection and where there is not material consideration. GOVERNMENT NATIONAL MORTGAGE ASSOCIATION (GNMA): Often called Ginny Mae. GRADUATED LEASE: Lease which provides for a varying rental rate, often based upon future determination; sometimes rent is based upon result of periodical appraisals; used largely in long-term lease. HABENDUM CLAUSE: The "to have and to hold" clause in a deed. HEIRS AND ASSIGNS: Terminology used in deed and wills to provide that the recipient receives a "fee simple estate" in lands, rather that a lesser interest. HIATUS: A gap or space unintentionally left between, when attempting to describe adjacent parcels of land. HOLDOVER TENANT: Tenant who remains in possession of leased property after the expiration of the lease term. INDEMNIFY: To secure; to secure against loss. To make payment for a loss. INDENTURE: A formal agreement between a group of bondholders and a debtor as to the terms of the debt. INDORSEMENT: The act of signing one's name on the back of a check or note, with or without further qualifications. INGRESS: The right to enter a tract of land. Often used interchangeably with "access" (see access). INJUNCTION: A writ or order issued under the seal of a court to restrain one or more parties to a suit or proceeding for doing an act which is deemed to be inequitable or unjust or which may cause irreparable harm to the rights of some other party or parties in the suit or proceeding. INPUT: Data, information, etc., that is fed into a computer or other system. IN LIEU OF: In place of, instead of. INSTALLMENT LAND CONTRACT: Often called land contract or an installment contract; an agreement for the purchase of real estate upon an installment basis. The deed to the property is not given to the purchaser until all or a specified portion of the purchase price is paid. This type of contract is also known as a Contract for Deed or a Conditional Sales Contract. INSURANCE OF TITLE: Insurance that title to a designated parcel of real property is vested as shown in the policy, subject to those items shown therein as exceptions to coverage, such as taxes, easements, prior encumbrances or reservations of rights by others. INTER ALIA: (Latin) Meaning "among other things". INTEREST: The charge in dollars for the use of money for a period of time. In a sense, the "rent" paid for the use of money. INTEREST RATE: The percentage of a sum of money charged for its use. INTERIM LOAN: A short-term loan until long-term financing is available. INTESTATE: A person who dies having made no will, or one which is defective in which case his estate descends to his heirs at law or next of kin. INTERSTATE: Between two or more different states, e.g. interstate commerce. INVOLUNTARY LIEN: A lien against property without the consent of an owner. Examples: Taxes, special assessments, federal income tax liens, judgments, and mechanics liens. IRREVOCABLE: Incapable of being recalled or revoked; unchangeable. IRRIGATION DISTRICTS: Quasi-political districts, created under special laws to provide for water services to property owners in the district; an operation governed to a great extent by law. JOINT AND SEVERAL LIABILITIES: Liability by two or more persons for the same obligation. Each person is legally liable for the entire obligation. JOINT NOTE: A note signed by two or more persons who have equal liability for payment. JOINT TENANCY: Co-ownership of real property by two or more persons who share equally the right to use, possess and enjoy all of the property, and the right of survivorship. Upon the death of any joint tenant, the right of survivorship operates to vest title of that tenant's interest equally in any remaining joint tenants and wholly in the sole surviving joint tenant. Joint tenancy must be specifically designated in an instrument of conveyance and is never presumed without such a designation. JOINT VENTURE: Two or more individual or firms joining together on a single project. Similar to a partnership, with some variations. JUDGEMENT: A decree of a court. Upon recording, the judgment becomes a lien or charge upon the property of the judgment debtor. The final determifation of a court of competent jurisdiction of a matter presented to it. Money judgments provide for the payment of claims presented to the court, or are awarded as damages, etc… JUDGMENT LIEN: The charge upon the lands of a debtor resulting from the recording of a decree of a court properly entered in the judgment docket. A legal claim on all of the property of a judgment debtor that enables the judgment creditor to have the property sold for payment of the amount of the judgment. JUNIOR MORTGAGE/DEED OF TRUST: A mortgage/deed of trust lower in priority to previous mortgage/deed of trust, i.e. a mortgage/deed of trust recorded after another mortgage/deed of trust is recorded. LEASEHOLD ESTATE: A tenant's right to occupy real estate during the term of the lease. This is a personal property interest. LEGAL DESCRIPTION: A description recognized by law, which is sufficient to locate and identify the property without oral testimony. Often called the "Legal." A description recognized by law; a description by which property can be definitely located. LEGAL ENTITY: A person or group of people whom the law recognizes as having the power, to own, sell, or encumber real property. Common examples are corporations, joint ventures and partnerships. LESSEE: The party who holds an estate by virtue of a lease; the tenant of a landlord. LAND: Real property; the surface of the earth and that which is affixed to it permanently, that which is below it, and the space above it; synonyms with "real property", "realty", and "real estate". Sometimes used to mean only the unimproved surface on the earth. LOAN APPLICATION: The loan application is a source of information on which the lender bases his decision to make the loan. It defines the terms of the loan contract; gives the name of the borrower, place of employment, salary, bank accounts and credit references; and describes the real estate that is to be mortgaged. It also stipulates the amount of loan being applied for, and repayment terms. LOAN CLOSING: When all conditions have been met, the loan officer authorizes the recording of the Deed of Trust or Mortgage. The disbursal procedure of funds is similar to the closing as a real estate sales escrow. The borrower can expect to receive less that the amount of the loan, as title, recording, service and other fees may be withheld, or he/she can except to deposit the cost of the items into the loan escrow. This process is sometimes called "funding" the loan. Real Estate Dictionary Definitions of some commonly used Real Estate industry terms, as defined in the State of Colorado: A B C D E F G H I J K L M N O P Q R S T U V W X Y Z ABATEMENT OF NUISANCE: Extinction or termination of a nuisance. ABSTRACT OF TITLE: A condensed history or summary of all transactions affecting a particular tract of land. A complication in orderly arrangement of the documents of record affecting the title to a specific piece of land, issued under an abstractor's certificate certifying to the matters contained therein. A history book of the subject property. Does not guarantee title. ACCELERATION CLAUSE: A clause in a contract by which the time for payment of a debt is advanced, usually making the obligation immediately due and payable, because of the breach of some condition, such as failure to pay an installment when due. ACCEPTANCE: The indication or manifestation by the party receiving an offer he is willing to be bound by the terms of the offer. ACCESS: The right to enter and leave a tract of land from a public way. Oftentimes the right to enter and leave over the lands of another. ACCRETION: An addition to land from natural causes. The slow buildup of lands caused by natural forces such as the ocean, rivers, wind or flow of water. ACCRUED DEPRECIATION: The difference between the cost of replacement new as of the date of the appraisal and the present appraised value. ACCRUED ITEMS OF EXPENSE: Those incurred expenses, which are not yet payable. The seller's accrued expenses are credited to the purchaser on a closing statement. Example: taxes for that portion of the year during which the seller owned the property which are payable by the seller but not due yet. ACKNOWLEDGEMENT: A declaration made by a person to a notary public, or other public official authorized to take acknowledgements, that the instrument was executed by them and that it is their free and voluntary act. ACRE: A measure of land equaling 160 square rods, or 4,840 square yards, or 43,560 square feet, or a tract about 208.71 feet square. ACRE FOOT: A term used in measuring the volume of water, equal to the quantity of water required to cover one acre one foot in depth, or 43,560 cubic feet. ACTUAL NOTICE: Knowledge of a fact or occurrence acquired directly through information received or personal experience. See also, "notice" and "constructive notice". ADDITIONAL ADVANCE: An instrument evidencing an increase in the amount of a loan from what appears on the original Deed of Trust or Mortgage. AD VALOREM: According to valuation. Ad Valorem taxes on real property are based on the assessed value of the property. Latin meaning "according to value". ADVERSE POSSESSION: Possession of real property which is actual, hostile, open, notorious, exclusive, uninterrupted and continuous for the prescriptive period stipulated by state law. (In Colorado 18 years plus 2 years for disability.) Possessor usually has some claim or color of title, but does not have good record title. AFFIDAVIT: A statement or declaration reduced to writing and sworn to or affirmed before some officer who has authority to administer an oath or affirmation. AFFIRM: To confirm, to ratify and to verify. AFTER-ACQUIRED TITLE: Real property rights, which are acquired by the seller of the property after title to the property has been conveyed. Example: A defect in the chain of title may impair the title held by the apparent owner of a parcel. Subsequent to that owner's conveyance by deed to another, a corrective instrument may be recorded which cures the defect, thereby conveying after acquired title to the former owner (and to the present owner, u

less title was acquired by quit claim deed). NOTE: A Quit Claim Deed does not convey after-acquired title, but a Warranty Deed, Special Warranty Deed or Bargain and Sale Deed does. AGENCY: A legal relationship resulting from an agreement or contract, either, expressed or implied, written or oral, whereby one person, called the agent, is employed by another called the principal, to do certain acts in dealing with a third party on behalf of the principal. AGENT: Any person, partnership, association, or corporation authorized or employed by another, called the principal, to act for, on behalf of, and subject to the control of the latter. AIR RIGHTS: The rights of an owner of a real property to use the air space above the physical surface of the land. AKA: "Also known as" - if a person has some interest in real property by one name, but also uses another name - i.e.; MARY JONES aka MARY HARDING JONES. ALTA: American Land Title Association. An Association of title insurance companies, abstractors, and attorneys specializing in real property law, which speaks for the title insurance and abstracting industry and established standard title policies and procedures, with headquarters in Washington, D.C. ALIENAT

ON: The transferring of property to another; the transfer of property and possession of lands, or other things, from one person to another. ALLODIAL TENURE: A real property ownership system where ownership may be complete except for those rights held by government. Allodial is in contrast to feudal tenure. ALLUVION (ALLUVIUM): Soil deposited by accretion. Increase of earth on a shore or bank of a river. ALTA/TITLE POLICY (AMERICAN LAND TITLE ASSOCIATION): A type of title insurance policy issued by title insurance companies which expands the risks normally insured against under the standard type policy to include unrecorded mechanic's liens; unrecorded physical easements; facts a physical survey would show; water and mineral rights; and rights of parties in possession, such as tenants and buyers under unrecorded instruments. AMENITIES: In real estate, amenities refer to such circumstances, in regard to location, outlook or access to a park, lake, highway, view, etc., which enhance the pleasantness or desirability of real estate, and which contribute to the pleasantness or desirability of real estate, and which contribute to the pleasure and enjoyment of the occupants. AMORTIZATION: The liquidation or gradual retirement of a financial obligation by means of systematic payments over a specific period of time. Also, recovery, over a period of time, of cost or value. AMORTIZED LOAN: A loan that is completely paid off, interest and principal, by a series of regular payments that are equal or nearly equal. Also called a Level Payments Loan. AMORTIZATION SCHEDULE: A chart or table, which sets out the amount of the payments, interest and principal, and the balance on the loan after the payment has been made. ANNUAL PERCENTAGE RATE (APR): All finance charges, interest, points, and other fees computed over the term of the loan. APR must be disclosed to the borrower as a result of the Federal Government's "Truth In Lending" Laws. "Regulation Z" requires that when a real estate loan is made to a natural person and not for business purposes, the APR must be disclosed. ANNUITY: A series of assured equal or nearly equal payments to be made over a period of time or it may be a lump sum payment to be made in the future. The installment payments due to the landlord under a lease are an annuity. So are the installment payments due to a lender. In real estate finance, we are most concerned with the first definition. APPRAISAL: An estimate of the quality or value of property; the process by which conclusions on the value of property are obtained; also refers to the report setting forth the estimate of value together with the basis for such conclusions. APPURTENANCE: Improvements, rights and privileges which are not necessarily a part of actual real property, but which are normally conveyed with the real property, i.e., buildings, rights of way, easements. ARBS: Arbitrarily assigned numbering systems to quickly identify parcels or tracts of land, which have no other easy means of identification. (i.e., metes and bounds parcels subdivided out of a large tract of land.) ARREARS: Items paid after the end of the period for which they are due, such as taxes for last year are paid this year; interest is paid on the loan payment for the month past. ASSESSED VALUE: The value of real property estimated for the purpose of computing real property taxes. ASSESSMENT: The imposition of a tax, charge or levy, usually according to established rates. Special Assessment: A charge against real property made by a unit of government to cover the proportionate cost of an improvement, such as a street or sewer. ASSESSOR: A public official who evaluates property for the purpose of taxation. ASSIGNMENT: A transfer of some right, title or interest by one person or entity (assignor) to another (assignee). Assignments of Deed of Trust, leases, options, contracts, and other items are seen in a chain of title. ASSIGNOR: One who assigns or transfers property, real or personal ASSIGNS: ASSIGNEES: Those to whom property rights title or interests shall have been transferred. ASSIGNMENT OF RENTS: Additional security taken usually in connection with a mortgage or deed of trust which pledges any income from rent or leases in addition to the actual property. ASSUMPTION AGREEMENT: An agreement by one party to assume liability for payment of a debt or obligation primarily resting upon another person. Example: A buyer of real property may assume the existing mortgage previously given by the seller. ASSUMPTION FEE: A lender's charge for changing over and processing new records for a new owner who is assuming an existing loan. ASSUMPTION OF MORTGAGE: The taking of title to property by a grantee, wherein he/she assumes liability for payment of an existing note secured by a mortgage or deed of trust against the property; becoming a co-guarantor for the payment of a mortgage or deed of trust note. ATTACHMENT: A type of lien, permitted only under special circumstances, which is placed against the real estate of a defendant in a pending law suit for money damages. Legal seizure of property to force payment of a debt. ATTEST: To affirm that a fact of document is true or genuine; an official act establishing authenticity. ATTORNEY IN FACT: One who holds a Power of Attorney from another allowing them to execute legal documents such as deeds, mortgages, etc., on behalf of the grantor of the power. Power of Attorney may be limited to a specific act or acts, or it may be a general Power of Attorney. ATTORNEY'S OPINION: In real estate, the written opinion of an attorney at law regarding the marketability of title to real property based upon an examination of the abstract of title or the records in the County Clerk Recorder's Office. BACKFILL: The replacement of excavated earth into a hole or against a structure. BALLOON PAYMENT: When credit is advanced by note or contract and payment is required in regular equal installments and the note or contract will mature before the note is paid in full, a payment, which may be larger than the regular payment, will fall due. This larger payment is called a "balloon payment". BANKRUPT: A person who, through a court proceeding, is relieved for the payment of all his debts after surrender of all assets to a court appointed trustee. BARGAIN AND SALE DEED: Any deed that recites a consideration and purports to convey the real estate; By Colorado statute, a deed, which contains no warranties of title but does convey after acquired title. BAR STANDARDS: (Title Standards): Rules or standards promulgated by the Colorado Bar Association to resolve problems of title examination for which there is no statutory solution. BASE AND MERIDIAN: Imaginary lines used by surveyors to find and describe the location of private or public lands. BASELINE: Imaginary east-west lines that intersect meridians to form a starting point for the measurement of land. BASIS: The original cost of a property, plus capital expenditures for improvements, minus depreciation. Basis is the means by which the Internal Revenue Service determines taxable gains, losses and annual depreciation. BEARING WALL OR PARTITION: A wall or partition supporting any vertical load in addition to its own weight. BENCH MARK: A mark on a permanent object indicating elevation and serving as a reference in land surveys. BENEFICIARY: The person who receives or is to receive the benefits resulting from certain acts; one receiving benefits, profits or advantage; one for whose benefit a trust is created, the title of which is vested in a trustee. The lender on the security of a note and deed of trust. BEQUEATH: To leave personal property to another by will, as a bequest. To give or hand down by will. BEQUEST: That which is given by the terms of a will. BETTERMENT: An improvement upon property which increases the property value and is considered as a capital asset as distinguished from repairs or replacements where the original character or cost is unchanged. BILL OF SALE: A written instrument by which one person transfers or conveys right, title or interest in personal property to another. BINDER: A title binder is a title commitment. An insurance binder for hazard insurance gives immediate hazard insurance protection until a policy can be issued. Also, an agreement to consider a down payment for the purchase of real estate as evidence of good faith on the part of the purchaser. BLIGHTED AREA: A declining area in which real property values are seriously affecting by destructive economic forces, such as encroaching inharmonious property usages, infiltration of lower social and economic classes of inhabitants, and/or rapidly depreciating buildings. BONA FIDE: In good faith, without fraud. BOND: An obligation under seal. (A real estate bond is a written obligation issued on security of a mortgage or deed of trust). BREACH: The breaking of a law, or failure to not perform a duty owed to another, either by omission or commission. BROKER: A person employed by another for a fee to carry on any of the activities listed in the license law definition of a broker, including selling, buying, leasing or negotiating the sale of real property. BUILDING CODE: A systematic regulation of construction of buildings within a municipality established by ordinance of law. BUILDING LINE: A line set by law a certain distance from a street line in front of which an owner cannot build on his lot. (A setback line). BUILDING, MARKET VALUE OF: The sum of money, which the presence of that structure adds to or subtracts from the value of the land it occupies. Land valued on the basis of highest and best use. BUNDLE OF RIGHTS: The legal rights or interests that an owner holds in a property. The right to control, use, possess, enjoy and dispose of real or personal property. BUREAU OF LAND MANAGEMENT: (BLM): The government agency in charge of surveying and administering public lands. CAPITAL GAIN: Income from a sale of an asset rather than from the general business activity. Capital gains are generally taxed at a lower rate than ordinary income. CASH FLOW: The net income generated by a property before depreciation and other non-cash expenses. CAVEAT EMPTOR: Let the buyer beware. The buyer must examine the goods or property and buy at his own risk. CENTER OF INFLUENCE: One, who, by the nature of his relationships, is in a position to sway others. CERTIFICATE OF REASONABLE VALUE: Commonly referred as a "CRV". Veteran's Administration's certified appraisal of value of real property. CCR'S: Abbreviation for covenants, conditions and restrictions. CERTIFICATE OF SATISFACTION: A certificate issued by the Clerk of the Court certifying that a judgment has been satisfied. CERTIFICATE OF TAXES DUE: A written statement of guaranty of the condition of the taxes on a certain real property, made by the County Treasurer of the County wherein the property is located. (Any loss resulting to any person from an error in a tax certificate shall be paid by the county which such treasurer represents.) CHAIN: A unit of measurement used by surveyors. A chain consists of 100 links equal to 66 feet. CHAIN OF TITLE: A term applied to the past series of transactions and documents affecting the title to a particular parcel of land. A history of conveyances and encumbrances affecting the title from the time the original patent was granted, or as far back as records are available. CHATTEL: Any item of property other than real estate, usually referred to as personal property; an item of movable property. CHATTEL MORTGAGE: A claim on personal property (instead of real property) used to secure or guarantee a promissory note. (See definition of Security Agreement and Security Interest). CHATTEL REAL: An estate related to real estate, such as a lease on real property. CHECK: See "QUADRANGLE". CLEAR TITLE: One which is not encumbered or burdened with defects. CLOSING STATEMENT: An accounting of funds made to the buyer and seller separately. Required by law to be made at the completion of every real estate transaction. Itemizes all funds received from or credited to and all payments made or debited to the party for whom the statement is prepared. CLOUD IN TITLE: An outstanding claim or encumbrance, which, if valid, would affect or impair the title of the owner of the real property. COGNOVIT NOTE: Note containing a confession of judgment by the borrower. COLLATERAL SECURITY: Often called simply "collateral". In banking parlance, it means some security given in addition to the personal obligation of the borrower, as a chattel mortgage or deed of trust. COLLUSION: An agreement between two or more persons to defraud another of his rights by the use of lawful means, or to obtain an object forbidden by law. COLOR OF TITLE: That which appears to be good title but which is not title in fact. Example: A deed from a party, which was not entitled to convey the property. COLORADO ASSOCIATION OF REAL ESTATE BOARDS: The state association of real estate sales personnel whose goal is the professional advancement of the real estate industry and whose membership is comprised of the local real estate boards. Often abbreviated as CAR. COMMERCIAL ACRE: A term applied to the remainder of an acre of newly subdivided land after the area devoted to streets, sidewalks and curbs, etc. has been deducted from the acre. COMMINGLING: Mixing money belonging to others with personal or business funds. COMMITMENT TO INSURE: A report issued by a title insurance company, or its agent, showing the condition or the title and committing the title insurance company to issue a form policy as designated in the commitment, upon compliance with and satisfaction of requirements set forth in the commitment. COMMON LAW: The principles and rules of law, originating from usage and custom, sanctioned by the courts, which are not dependent upon legislative expression or enactment for their authority; also that body of law, based on custom and usage, developed and formulated by the old English courts. CONDITIONAL SALE CONTRACT: A contract for the sale of property stating that delivery is to be made to the buyer, title to remain vested in the seller until the conditions of the contract have been fulfilled. CONDOMINIUM: A system of individual fee ownership of units in a multi-unit structure, combined with joint ownership of common areas of the structure and the land. CONDOMINIUM DECLARATION: A declaration describes condominium ownership. It commits the property to condominium development, defines the complex and the air spaces, the general common elements and limited common elements and establishes the basic rights and obligations of the owners. In addition, it provides for the creation of a management association with the authority to collect common expenses and otherwise act for the benefit of all owners. It makes it possible for the assessor to tax each unit separately. CONFIRMATION OF SALE: A court approval of the sale of property by a Personal Representative, Guardian or Conservator. CONFISCATION: The seizing of property without compensation. CONSERVATION: The process of utilizing resources in such a manner as to minimize depletion. CONSERVATOR/CONSERVATRIX: A person appointed by the court to protect and preserve the lands and property of an individual physically incapacitated or otherwise not able to handle his own affairs. CONSIDERATION: One of the essential elements of a contract; a promise or an act of legal value bargained for and received in return for a promise. CONSTANT: The percentage which, when applied directly to the face value of a debt, develops the annual amount of money necessary to pay a specified net rate of interest on the reducing balance and to liquidate the debt in a specified time period. For example, a 6% loan with a 20-year amortization has a constant of approximately 8½%. Thus, a $10,000.00 loan amortized over 20 years requires an annual payment of approximately $850.00. CONTRACT: An agreement, enforceable at law, between two or more competent persons, having for its object a legal purpose, wherein the parties agree to act in a certain manner. CONTRACT FOR DEED: An agreement to sell and purchase, under which title is withheld for the purchaser until such time as the required payments to the seller have been completed. Commonly referred to as an Installment Land Contract. CONSTRUCTION LOANS: Loans made for the construction of homes or commercial buildings. Usually funds are disbursed to the contractor-builder during construction and after periodic inspections. Disbursements are based on an agreement between borrower and lender. CONSTRUCTIVE EVICTION: Breach of a covenant of warranty or quiet enjoyment, i.e., the inability of a lessee to obtain possession because of a paramount defect in title, or a condition making occupancy hazardous. CONSTRUCTION MORTGAGE OR DEED OF TRUST: A short-term mortgage or deed of trust used to finance the building of a structure. CONSTRUCTIVE NOTICE: Often called "legal notice"; the conclusive presumption that all persons have knowledge of the contents of an instrument recorded in the office of the county clerk and recorder. CONTOUR: The surface configuration of land. CONVENTIONAL MORTGAGE OR DEED OF TRUST: A mortgage or deed of trust securing a loan made by investors without governmental underwriting, i.e., which is not FHA insured or VA guaranteed. CONVERSION: Change from one character or use to another. Example: Apartment house converted to Condominiums. CONVEY: The act of deeding or transferring title to another. CONVEYANCE: An instrument in writing by which some estate, interest or title in real estate is transferred for one person to another such as a deed or mortgage or deed of trust. COOPERATIVE OWNERSHIP: A form of apartment ownership. Ownership of shares in a cooperative venture, which entitles the owner to use, rent or sell a specific apartment. The corporation usually reserves the right to approve certain actions such as a sale or improvement (distinguish condominium ownership). COORDIANATE SYSTEM: A method of land description using measurements from an intersection of a defined north-south axis and a defined east-west axis. CORPORATION: A group or body of persons established and treated by law as an individual or unit with rights and liabilities or both, distinct and apart from those of the persons composing it. A corporation is an entity having certain powers and duties of a natural person. Being created by law, it may continue for any length of time the law prescribes. CORPOREAL RIGHTS: Possessory rights in real property. CORRECTION LINES: A system of compensating for inaccuracies in the Government Rectangular Survey System due to the curvature of the earth. Every fourth township line, 24 mile intervals, is used as a correction line on which the intervals between the north and south range lines are re-measured and corrected to a full six miles. COST: A historical record of past expenditures, or an amount, which would be given in exchange for other things. COTERMINUS: Adjacent; adjoining; having a common boundary. COURSES AND DISTANCES: A method of describing or locating real property. This description gives a starting point and the direction and length of lines to be run, practically indistinguishable from metes and bounds description. COVENANTS: An agreement written into deeds and other instruments promising performance or non-performance of certain acts, or stipulating certain uses or non-uses of the property. CUBIC FOOT PER SECOND: A unit of discharge for measurement of flowing liquid, equal to a flow of one cubic foot per second past a given section. Also called Second-Foot. CUL DE SAC: The terminus of a street or alley. Usually laid out by modern engineers to provide a circular turn around for vehicles. A passage way with one outlet. Streets in newer subdivisions are sometimes built in cul-de-sac fashion. DAMAGES: The amount of compensation recoverable by a person who has sustained an injury, either in his person, property or relative rights, through the act or default of another. DBA: "Doing Business As". John Doe dba "Joe's Sporting Goods". Note: Usually will have filed a Trade Name Affidavit reciting the John Doe is doing business under the assumed name of "Joe's Sporting Goods". DEBENTURE: Bonds issued without security. DEBTOR: This is the party who "owns" the property, which is subject to the Security Interest. Previously he/she was known as the mortgagor or the pledgor, etc… DECREE OF FORECLOSURE: Decree by a court in the completion of foreclosure of a mortgage, contract, deed of trust or other liens. DEDICATION: An appropriation of land to some public use, made by the owner, and accepted for such use by or on behalf of the public, such as streets in a platted subdivision. A designation by the owner that property is deemed to be public property. DEED: A legal instrument in writing, duly executed, and delivered, whereby the owner of real property (grantor) conveys to another (grantee) some right, title or interest in or to real estate. A written document by which the ownership of land is transferred for one person to another. DEED IN LIEU OF FORECLOSURE: A deed for a debtor to a lender conveying title to real property given by the debtor as collateral to secure a mortgage or deed of trust for the benefit of the lender, on which obligation the debtor is in default. The deed is given in consideration of the lender's cancellation of the debtor's obligation in lieu of statutory or judicial foreclosure proceedings. DEED RESTRICTION: A provision in a deed controlling or limiting the use of the land. DEED OF TRUST: The recorded document, which secures a loan to the owner of the property. In Colorado given to the Public Trustee (second party) of the county in which the property is located for the benefit of the lender (secured party). Similar to a mortgage. DEFAULT: The non-performance of a duty; the omission or failure to perform a legal duty; failure to meet an obligation when due. DEFEASANCE CLAUSE: The clause in a mortgage that gives the mortgager the right to redeem his property upon the payment of his obligations to the mortgagee. DEFEASIBLE FEE: Sometimes called a base fee or qualified fee; a fee simple absolute interest in land that is capable of being defeated or terminated upon the happening of a specified event. DEFERRED MAINTENANCE: Existing but unfulfilled requirements for repairs and rehabilitation. DEFERRED PAYMENT OPTIONS: The privilege of deferring income payments to take advantage of the tax statutes. DEFICIENCY JUDGEMENT: A judgment given when the value of security pledged for a loan does not satisfy the debt upon its default. DELIVERY: The final and absolute transfer of a deed from seller to buyer in such a manner that the seller cannot recall it. A necessary requisite to the transfer of title. DEPRECIATION: Loss of value in real property brought about by age, physical deterioration or functional or economic obsolescence. Broadly, a loss in value from any cause. DESIST AND REFRAIN ORDER: An order directing a person to desist and refrain from committing an act in violation of the real estate law. DEVISE: A gift of real property by the last will and testament of the donor. The disposition of land by will. A term used for land alone and never for personal property. DEVISEE: One who receives a bequest made by will. DEVISOR: One who bequeaths by will. DISCOUNT: An amount deducted in advance from the principal before the borrower is given the use of the principal. DISPOSSESS: To deprive one of the uses of real estate. DOCUMENTARY FEE: A Colorado state law requiring a fee of one cent for each one hundred dollars of consideration paid by the person recording an instrument of conveyance to the Clerk and Recorder. DOWER: An interest in the lands of a husband allowed to a wife by force of law. A common law estate in land given to the wife in her husband's real property upon his death, consisting of a life estate in one-third of all the real estate owned by the husband during the marriage. Abolished in Colorado. DURABLE POWER OF ATTORNEY: A power of attorney, which is not affected by the disability of the person giving the power to his attorney in fact (must be specifically recited in the power of attorney). DURESS: Unlawful constraint exercised upon a person whereby he is forced to do some act against his will. EARNEST MONEY: Advance payment of part of the purchase price to bind a contract for the sale and purchase of property. It is an evidence of good faith on the part of the purchaser. EASEMENT: An interest in land owned by another that entitles its holder to a specific limited use, such as laying a sewer, putting up electric power lines, or underground utilities, or crossing the property. The right to use another's land for a specific purpose such as a right of way. Created by grant or agreement for a specific purpose. EAVES: The lower part of a roof projecting over the wall. ECONOMIC LIFE: The period over which a property will yield a return on the investment, over and above the economic or ground rent (due to land). ECONOMIC OBSOLESCENCE: A loss in value due to factors away from the subject property but adversely affecting the value of the subject property. EFFECTIVE INTEREST RATE: The percentage of interest that is actually being paid by the borrower for the use of the money. EGRESS: The right to leave a tract of land. Often used interchangeable with access (see access). EMINENT DOMAIN: The power of the state to take private property for public use upon payment of just compensation. The right of a governmental entity or other agency authorized by law to take private property for public use upon the payment or just compensation. The legal proceeding by which the government exercises this right is called "condemnation proceedings". The right of the government to do this, and the right of the private citizen to get paid, are set out in the Fifth Amendment to the United States Constitution. ENCROACHMENT: The intrusion of a structure, part of a building, or obstruction over or upon a highway, sidewalk, easement or the property of another. ENCUMBER: To burden a parcel of land with a lien or charge such as a mortgage or deed of trust. ENCUMBRANCE: A claim, lien, charge or liability attached to and binding upon real property, such as a judgment, mortgage, deed of trust, mechanics lien, lien for unpaid taxes, right-of-way. ENDORSEMENT: A written change or modification of a commitment or policy. Also, writing one's name, either with or without additional words, on a negotiable instrument or on an attachment thereto. EQUITY: The interest or value, which an owner has in real estate over and above the liens against it. EQUITY OF REDEMPTION: The right to redeem property during the foreclosure period such as a mortgagor's right to redeem prior to foreclosure. EROSION: The wearing away of land by the action of water, wind or glacial ice. ESCALATION: The right reserved by the lender to increase the amount of the payments and/or interest upon the happening of a certain event, i.e. due on sale etc… ESCALATION CLAUSE: A clause in a contract providing for the upward or downward adjustment of certain items to cover specified contingencies. ESCHEAT: A reversion of property to the state in those cases where an individual dies without heirs or devisees and without heirs or devisees and without a will. ESCROW: A procedure whereby a disinterested third party handles legal documents and funds on behalf of a seller and buyer. In real estate, a deed, monies, or other documents which are conditionally held by a third party, called the escrow agent, pending the performance or fulfillment of some act of condition. Generally upon written instructions called "an escrow agreement". ESCROW AGREEMENT: A written agreement between two or more parties whereby the grantor, promisor or obligor delivers certain instruments into the hands of a third party until the happening of a contingency or performance of a condition, and then to be delivered to the grantee, promises or obligee. When everything is deposited to enable carrying out the instructions, it is called a complete or perfect escrow. ESTATE: A person's possessions. In real estate, it refers to the degree, quantity, nature and extent of interest, which a person has in real property; such as a fee simple absolute estate, or an estate for years. ESTATE OF INHERITANCE: An estate, which may descend to one's heirs. All freehold estates are estates of inheritance except life estates, which are not "autre vie" (for the life of another). ESTATE OF LIFE: A freehold estate, but which is held by the tenant for his own life or lives of one or more other persons, or for an indefinite period which may endure for the life or lives or persons in being. ESTIMATE: To form a preliminary opinion of value. ESTOPPEL: A doctrine, which bars one from asserting rights, which are inconsistent with a previous position or representation. ET. AL.: An abbreviation for et alius, meaning "and another" or "and others". ET. UX.: Abbreviation meaning "and wife". ET. VIR.: Abbreviation meaning "and husband". EVICTION: Dispossession by process of law; the act of depriving a person of the possession of lands, pursuant to the judgment of a court. EXCEPTIONS: A list of flaws, clouds, encumbrances or uncertainties, or other interests that title insurance will not guarantee that our insured has a priority over. EXCLUSIVE AGENCY LISTING: A listing whereby the owner appoints one real estate broker as his sole agent for a specified period of time. The owner may sell the property to a buyer, which he himself finds without paying the broker's commission. EXCLUSIVE RIGHT TO SELL LISTING: A listing whereby the owner appoints one real estate broker as his sole and exclusive agent for a specified period of time. No matter who sells the property, including the owner himself, the broker is entitled to a commission. EXECUTE: To complete, to make, to perform, to do, to follow out; to execute a deed, to make a deed, including especially signing, sealing and delivery. To execute a contract is to perform the contract, to follow out to the end, to complete. EXECUTION: A writ issued by a court to the sheriff directing him to seize and sell property to satisfy a debt. EXECUTOR: See "Personal Representative". FEE: An estate of inheritance in real property. FEE SIMPLE ABSOLUTE: Often called a fee or fee simple; the most comprehensive ownership of real property known to the law; the largest bundle of ownership rights possible in real estate. In modern estates, the terms "Fee" and "Fee Simple" are substantially synonymous. The term "Fee" is of Old English derivation. "Fee Simple Absolute" is an estate in real property, by which the owner has the greatest power over the title, which it is possible to have, being an absolute estate. In modern use, it expressly establishes the title of real property in the owner, without limitation or end. He may dispose of it by sale, or trade or will, as he/she chooses. It is also defined as the most complete ownership in land or as the most complete bundle of rights one can have in land. FARMERS HOME ADMINISTRATION: An agency of the Department of Agriculture. Primary responsibility is to provide financial assistance for farmers and others living in rural areas where financing is not available on reasonable terms from private sources. FEDERAL DEPOSIT INSURANCE CORPORATION (FDIC): Agency of the federal government, which insures deposits at commercial banks and savings banks. FEDERAL HOME LOAN BANK (FHLB): A district bank of Federal Home Loan Bank system that lends only to member savings and loan association. FEDERAL HOME LOAN BANK BOARD (FHLBB): The administrative agency that charters federal savings and loan associations and exercises regulatory authority over the FHLB system. FEDERAL HOUSING ADMINISTRATION (FHA): An agency of the federal government that insures mortgage loans. FOOTING: The base or bottom of a foundation wall, pier or column. FORECLOSURE: The act of selling by legal proceeding real property to satisfy the obligations of the landowner to a third party. Procedure whereby property pledged as security for a debt is sold to pay the debt in event of default in payments or terms. FORECLOSURE CERTIFICATE: A list of the instruments affecting any interest in property subsequent to the recording of the encumbrance being foreclosed. Usually used to determine who must be notified before foreclosure can be completed. FORECLOSRUE GUARANTEE: Guarantees the accuracy, a report listing all interests in real property, which are subordinate to the encumbrance to be foreclosed for purposes of a foreclosure. FOREIGN: Not of the state; in or of another state, e.g. foreign estate proceedings. FORFEITURE: Loss of money or anything of value, due to failure to perform a contractual obligation. FOUNDATION: The supporting portion of a structure below the first floor construction or below grade, including the footings. FRONTAGE: Land bordering a street. FRONT MONEY: The minimum amount of money necessary to initiate a real estate venture. GUARDIAN: One appointed by the court to administer the affairs of an individual not capable of administering his own affairs, e.g. a minor .GENERAL LIEN: A lien on all the property of a debtor. GIFT DEED: A deed which the consideration is love and affection and where there is not material consideration. GOVERNMENT NATIONAL MORTGAGE ASSOCIATION (GNMA): Often called Ginny Mae. GRADUATED LEASE: Lease which provides for a varying rental rate, often based upon future determination; sometimes rent is based upon result of periodical appraisals; used largely in long-term lease. HABENDUM CLAUSE: The "to have and to hold" clause in a deed. HEIRS AND ASSIGNS: Terminology used in deed and wills to provide that the recipient receives a "fee simple estate" in lands, rather that a lesser interest. HIATUS: A gap or space unintentionally left between, when attempting to describe adjacent parcels of land. HOLDOVER TENANT: Tenant who remains in possession of leased property after the expiration of the lease term. INDEMNIFY: To secure; to secure against loss. To make payment for a loss. INDENTURE: A formal agreement between a group of bondholders and a debtor as to the terms of the debt. INDORSEMENT: The act of signing one's name on the back of a check or note, with or without further qualifications. INGRESS: The right to enter a tract of land. Often used interchangeably with "access" (see access). INJUNCTION: A writ or order issued under the seal of a court to restrain one or more parties to a suit or proceeding for doing an act which is deemed to be inequitable or unjust or which may cause irreparable harm to the rights of some other party or parties in the suit or proceeding. INPUT: Data, information, etc., that is fed into a computer or other system. IN LIEU OF: In place of, instead of. INSTALLMENT LAND CONTRACT: Often called land contract or an installment contract; an agreement for the purchase of real estate upon an installment basis. The deed to the property is not given to the purchaser until all or a specified portion of the purchase price is paid. This type of contract is also known as a Contract for Deed or a Conditional Sales Contract. INSURANCE OF TITLE: Insurance that title to a designated parcel of real property is vested as shown in the policy, subject to those items shown therein as exceptions to coverage, such as taxes, easements, prior encumbrances or reservations of rights by others. INTER ALIA: (Latin) Meaning "among other things". INTEREST: The charge in dollars for the use of money for a period of time. In a sense, the "rent" paid for the use of money. INTEREST RATE: The percentage of a sum of money charged for its use. INTERIM LOAN: A short-term loan until long-term financing is available. INTESTATE: A person who dies having made no will, or one which is defective in which case his estate descends to his heirs at law or next of kin. INTERSTATE: Between two or more different states, e.g. interstate commerce. INVOLUNTARY LIEN: A lien against property without the consent of an owner. Examples: Taxes, special assessments, federal income tax liens, judgments, and mechanics liens. IRREVOCABLE: Incapable of being recalled or revoked; unchangeable. IRRIGATION DISTRICTS: Quasi-political districts, created under special laws to provide for water services to property owners in the district; an operation governed to a great extent by law. JOINT AND SEVERAL LIABILITIES: Liability by two or more persons for the same obligation. Each person is legally liable for the entire obligation. JOINT NOTE: A note signed by two or more persons who have equal liability for payment. JOINT TENANCY: Co-ownership of real property by two or more persons who share equally the right to use, possess and enjoy all of the property, and the right of survivorship. Upon the death of any joint tenant, the right of survivorship operates to vest title of that tenant's interest equally in any remaining joint tenants and wholly in the sole surviving joint tenant. Joint tenancy must be specifically designated in an instrument of conveyance and is never presumed without such a designation. JOINT VENTURE: Two or more individual or firms joining together on a single project. Similar to a partnership, with some variations. JUDGEMENT: A decree of a court. Upon recording, the judgment becomes a lien or charge upon the property of the judgment debtor. The final determifation of a court of competent jurisdiction of a matter presented to it. Money judgments provide for the payment of claims presented to the court, or are awarded as damages, etc… JUDGMENT LIEN: The charge upon the lands of a debtor resulting from the recording of a decree of a court properly entered in the judgment docket. A legal claim on all of the property of a judgment debtor that enables the judgment creditor to have the property sold for payment of the amount of the judgment. JUNIOR MORTGAGE/DEED OF TRUST: A mortgage/deed of trust lower in priority to previous mortgage/deed of trust, i.e. a mortgage/deed of trust recorded after another mortgage/deed of trust is recorded. LEASEHOLD ESTATE: A tenant's right to occupy real estate during the term of the lease. This is a personal property interest. LEGAL DESCRIPTION: A description recognized by law, which is sufficient to locate and identify the property without oral testimony. Often called the "Legal." A description recognized by law; a description by which property can be definitely located. LEGAL ENTITY: A person or group of people whom the law recognizes as having the power, to own, sell, or encumber real property. Common examples are corporations, joint ventures and partnerships. LESSEE: The party who holds an estate by virtue of a lease; the tenant of a landlord. LAND: Real property; the surface of the earth and that which is affixed to it permanently, that which is below it, and the space above it; synonyms with "real property", "realty", and "real estate". Sometimes used to mean only the unimproved surface on the earth. LOAN APPLICATION: The loan application is a source of information on which the lender bases his decision to make the loan. It defines the terms of the loan contract; gives the name of the borrower, place of employment, salary, bank accounts and credit references; and describes the real estate that is to be mortgaged. It also stipulates the amount of loan being applied for, and repayment terms. LOAN CLOSING: When all conditions have been met, the loan officer authorizes the recording of the Deed of Trust or Mortgage. The disbursal procedure of funds is similar to the closing as a real estate sales escrow. The borrower can expect to receive less that the amount of the loan, as title, recording, service and other fees may be withheld, or he/she can except to deposit the cost of the items into the loan escrow. This process is sometimes called "funding" the loan. LOST INSTRUMENT BOND: Surety Bond issued to the Public Trustee by an insurance company as a substitute for the lost original note. MARKET VALUE: The price at which a willing seller would sell and a willing buyer would buy, neither being under abnormal pressure. As defined by the courts, it is the highest price estimated in terms of money which a property will bring if expected in terms of money which property will bring if exposed for sale in the open market, allowing a reasonable time to find a purchaser with the knowledge of the property's use and capabilities for use. MAJORITY: The age at which a person is entitles to handle his or her own affairs. In the State of Colorado, the age of majority is 18 years. MARKETABLE OF MERCHANTABLE TITLE: Title free and clear of objectionable liens or encumbrances; a title which is free from reasonable doubt of defect, which can be readily sold or mortgaged to a reasonable prudent purchaser or mortgagee; a title free from material defects and reasonably free from possible litigation. A good title about which there is no reasonable doubt. MECHANICS LIEN: A lien created by statute which exists against real property in favor of persons who have performed work or furnished materials for the improvement of the real estate. A lien allowed by statute to contractors, laborers, and materialmen on buildings, or other structures upon which work has been performed or material supplied. MERIDIANS: Imaginary north-south lines, which intersect base lines to form a starting point for the measurement of land. METES AND BONDS: A method of describing or locating real property; metes are measures of length and bonds are boundaries. This description starts with a well-marked point of beginning and follows the boundaries of the land until it returns once more to the point of beginning. MILL: One-tenth of one cent; a tax rate of one mill on the dollar is the same as a rate on one-tenth of one percent of the assessed value of the property. MILL LEVY: The amount of tax per $1,000.00 imposed on real property by taxing authorities. MINOR: A person under 18 years of age. MODIFICATION AGREEMENT: An instrument, which changes or modifies a mortgage or deed of trust from the original document as to terms. MONETARY CONTROLS: Federal Reserve tools for regulating the availability of money and credit to influence the travel of economic activity. MONUMENT OF SURVEY: A fixed object and point established by surveys to establish land locations. Visible marks or indications left on natural or other objects, indicating the lines and boundaries of a survey. May be posts, pillars, stones, cairns and other such objects, but may also be fixed natural objects, blazed trees, roads or even a watercourse. MORATORIUM: The temporary suspension, usually by statute, of the enforcement of liability for debt. MORTGAGE: A conditional conveyance of property as security for the payment of a debt or the fulfillment of some obligation. Upon payment of the debt or performance of the obligation the mortgage becomes void. As instrument recognized by law by which, property is hypothecated to secure the payment of a debt or obligation. The procedure for foreclosure of a mortgage in event of default is established by statute. A lien upon real property similar to a Deed of Trust; but upon final payment of the debt, the mortgage (secure party) releases the mortgage with a "satisfaction of mortgage." An instrument used to encumber land as security for a debt. MORTGAGEE: The party to whom the property is conveyed under a mortgage as security for the repayment of a loan or fulfillment of some obligation. One to whom a mortgagor gives a mortgage to secure a loan or performance of an obligation; a lender. (See definition of Secured Party.) MORTGAGOR: the party who, by mortgage, conveys his interest in the property as security for the obligation to repay a loan or fulfill some obligation. A designation for the mortgage borrower on lands. One who gives a mortgage on his or her property to secure a loan or assure performance of an obligation; a borrower. (See definition of Debtor.) MORTGAGE POLICY: A title insurance policy containing a written guaranteed statement of facts showing the mortgagee, the priority of its loan, and the status of all other interests in the property. MUTUAL ASSENT: One of the essential elements of a contract. Often called "Meeting of the Minds;" the agreement of the parties to the contract, mutually consenting to be bound by the exact terms thereof. MUTUAL WATER COMPANY: A water company organized by or for water users in a given district with object of securing an ample water supply at a reasonable rate; stock is issued to users. NATIONAL ASSOCIATION OF REAL ESTATE BOARDS: A national association of real estate personnel whose goal is the professional advancement of the real estate industry and whose membership is comprised of state and local real estate boards. Often abbreviated NAR. NAR: National Association of Realtors. (Formerly NAREB) NATIONAL FOREST: A forest or watershed reservation, which is administered by the Forest Service, United States Department of Agriculture. NATURAL PARTIES OR NATURAL PERSONS: Real people, as opposed to legal entities. NEGOTIABLE: Capable of being negotiated; assignable or transferable in the ordinary course of business. NEGOTIABLE INSTRUMENT: A written instrument signed by a maker or drawer, containing an unconditional promise to another. NOTE: "Promissory Note" - A written instrument acknowledging a debt and promising payment. NOTICE: Knowledge of a factor or occurrence. Acquired directly through information received or personal experience (actual knowledge) or constructively through publication of the information in the public record (constructive notice). NOTARY PUBLIC: An official authorized by law to attest and certify certain documents by his hand and official seal. NOTICE OF ELECTION AND DEMAND: The document filed in the public record, which demands that the real property given as security for a loan be sold by the Public Trustee to satisfy the delinquent debt. NOTICE OF NONRESPONSIBILITY: A notice provided by law designed to relieve a property owner for responsibility for the cost of work done on the property or materials furnished thereof. Notice must be verified, recorded and posted. OBSOLEESECENCE: Impairment of desirability and usefulness of the property resulting from economic, functional, physical, fashion, or other changes. OFFER: A promise by one party to act in certain manner provided the other party would act in the manner requested. OPEN-END MORTGAGE: A mortgage containing a clause, which permits the mortgagor to borrow additional money after the loan has been reduced, without rewriting to mortgage. OPEN HOUSING LAW: A law passed by Congress in April 1968, which prohibits discrimination in the sale of real estate because of race, color, or religion of buyers. OPINION OF TITLE: An attorney's evaluation of the condition of the title to a parcel of land after his examination of the abstract of title to the land. OPTION: A right given for consideration to purchases or lease a property upon specified terms within a specified time. OPTIONEE: One to whom an option has been granted. OPTIONOR: One who has granted an option to another. ORAL CONTRACT: A verbal agreement; one, which is not reduced to writing. OVERHANG: The part of the roof extending beyond the wall to shade buildings and cover walks. OWNER: One who holds legal fee simple title to real property; including tight to possess use and deal with the property to the exclusion of others. PARTITION ACTION: Court proceedings by which co-owners seek to sever their joint ownership. PARTNERSHIP: An association of two or more persons to carry on, as co-owners, a business for profit. Each partner is responsible for liabilities of the partnership, which is a separate entity from the individual interests of each partner. A decision of the California Supreme Court has defined a partnership in the following terms: "A partnership as between partners themselves may be defined to be a contract of two or more persons to unite their property, labor or skill, or some of them, in prosecution of some joint or lawful business, and to share the profits in certain proportions. PARTICIPATION MORTGAGE: A mortgage where the borrower not only amortizes the loan, but also pays a portion of the gross income to the lender. PARTY WALL: A wall erected on the line between two adjoining properties, which are under different ownership, for the use of both properties. A common wall dividing two properties and shared by both. PATENT: A document issued for the purpose of granting public lands to an individual. An exclusive right and title to property granted by the United States of America. Conveyance of title to government land. PENALTY: An extra payment or charge required of the borrower for deviating from the terms of the original loan agreement. Usually levied for being late in making a regular payment or for paying off the loan before it is due. PERCOLATION TEST: A soil test to determine if soil will take sufficient water seepage to permit use of a septic tank. PERSONAL PROPERTY: Any property, which is not real property; also called Personalty. Generally, all things which are not real property; things of a temporary or movable nature. (See Chattel) PERSONAL REPRESENTATIVE: One appointed by a probate court to administer the estate of a deceased person. PROMISSORY NOTE: A written instrument acknowledging a debt and promising payment. Following a loan commitment from the lender, the borrower signs a note, promising to repay the loan under stipulated terms. The promissory note establishes personal liability for its repayment. PROPERTY: The rights of ownership. The right to use, possess, enjoy and dispose of a thing in every legal way and to exclude everyone else from interfering with these rights. Property is generally classified into two groups, personal property and real property. PRORATE: To allocate between seller and buyer their proportionate share of an obligation paid or due. For example, real property taxes or fire insurance. PRORATION: Adjustments of interest, taxes and insurance, etc…on a prorate basis as of the closing date. Fire insurance is normally paid for three years in advance. If a property is sold during this time, the seller wants a refund on that portion of the advance payment that has not been used at time of closing. PUBLIC TRUSTEE: The public official in each county whose office has been created by statute, to whom title to real property is conveyed by Deed of Trust for the use and benefit of the beneficiary, who usually is the lender. PURCHASE MONEY MORTGAGE: A mortgage given by the purchaser to secure a loan for part or all of the purchase price. Such a mortgage becomes a lien on the property simultaneously with the passing of title, and if promptly recorded becomes prior to any lien against the purchaser. QUADRANGLE: A tract of land in the U.S. Government Survey System measuring 24 miles on each side of the square. Sometimes referred to as a "check". QUIET TITLE: A court action brought to establish title; to remove a cloud on the title. An action in court to remove a defect, cloud or suspicion regarding the legal rights of the owner to the parcel of real estate. QUIT CLAIM DEED: A deed in which the grantor warrants nothing. It conveys only the grantor's present interest in the real estate, if any. It is often used to correct technical defects in a title. A deed by which the grantor conveys whatever interest the grantor has at that moment in a particular piece of real property. It does not convey after acquired title and contains no warranties. RANGE: A component of the U.S. Government survey system for determining the location of real property, being a strip of land 6 miles wide numbered east or west of the principle meridian. RATIFICATION: The adoption or approval of an act performed without previous authorization on behalf of a person or legal entity. REAL ESTATE BOARD: An organization whose members consist primarily of real estate brokers and salesman. REAL ESTATE TRUST: A special arrangement under Federal law whereby investors may pool funds for investments in real estate and mortgages and yet escape corporation taxes. RE: Referring to, as Re: File #000. REALTOR: A real estate broker holding active membership in a real estate board affiliated with the National Association of Realtors. REAL PROPERTY: Land and that which is affixed to it. Land; the surface of the earth and whatever is erected, growing upon, or affixed to the land; including that which is below it and the space above it; synonyms with "land", "realty", and "real estate". REALTY: A brief term for real property. RECAPTURE: The rate of interest necessary to provide for the return of an investment. Not to be confused with interest rate, which is a rate of interest on an investment. RECEIVER: A court appointed custodian who holds property for the court, pending final disposition of the matter before the court. RECONVEYANCE: The transfer of the title of land from one person to the immediate preceding owner. This particular instrument of transfer is commonly used when the performance or debt is satisfied under the terms of a deed of trust, when the trustee conveys the title he has held on condition back to the owner. (Not generally used in Colorado.) RECORDING: Filing a document with a designated public official who is authorized to receive such documents for the purpose of establishing a public record. This public official is usually a county officer known as the Clerk and Recorder. The recorder places a stamp upon each document-received indication the time of day and the date when it was officially filed. Documents filed with the Clerk and Recorder is considered to provide open notice to the general public of that county. Claims against property usually are accorded priority on the basis of the time and the date they are recorded with the highest priority assigned. REDEEM: Literally, to buy back. The act of buying back lands after a mortgage of Deed of Trust foreclosure, tax foreclosure or other execution sale. REDEMPTION: The right of an owner to redeem or reclaim the real estate by paying the debt or charge (such as a Deed of Trust or tax lien) after default, together with interest and costs. More correctly, equity of redemption refers to the right to redeem the property after default but before foreclosure; the statutory right of redemption refers to the right to redeem the property after foreclosure, or other enforcement action, during a certain period of time specified by statute. For example, in Colorado, the mortgagor has the statutory right to redeem his property any time within six months for agricultural property or 75 days for platted residential properties after a Deed of Trust foreclosure or three years after a sale for delinquent property taxes. REFERENCE TO PLAT: A method of describing or locating real property by means of referring to a map of a subdivision, usually recorded in the office of the County Clerk and Recorder. REFINANCE: To pay off and existing obligation and assume a new obligation in its place. REINSURANCE: To insure again by transferring to another insurance company all or part of an assumed liability, thus spreading the loss risk any one company has to carry. RELEASE: The relinquishment or surrender of a right, claim or interest. RELEASE CLAUSE: This is a stipulation upon the payment of a specific sum of money to the holder of a Deed of Trust or mortgage, the lien of the instrument as to a specific described lot or area shall be removed for the blanket lien on the whole area involved. RELEASE OF DEED: An instrument executed by the mortgagee or the trustee reconveying to the mortgagor the real estate which secured the mortgage loan after the debt has been paid in full. Upon recording, it cancels the mortgage lien created when the mortgage was recorded. RELEASE OF LIEN: The discharge or release of specific property from the charge or lien of a mortgage, note or mechanics liens. REMAINDER: An estate, which takes effect after the termination of the prior estate. RECISION OF CONTRACT: The abrogation or annulling of a contract; the revocation or repealing of a contract by mutual consent of the parties to the contract. REQUIREMENTS: Conditions, which must be satisfied before a title insurance policy will be issued insuring marketable title to a parcel of real property. RESPA: Real Estate Settlement Procedures Act. Federal Law first enacted in 1974 to standardize real estate settlement procedures in the United States. RESTRICTION: A limitation on or prohibition of certain uses of real property. RESTRICTIVE COVENANT: A clause in a deed or other instrument limiting the use to which the property may be put. REVERSION: The right to future possession or enjoyment by the person who created the present estate, or by his heirs. REVERSIONARY INTEREST: The interest, which a person has in lands or other property, upon the termination of the preceding estate. RIGHT OF FIRST REFUSAL: The right to have the first opportunity either to purchase or lease real property. The holder of a right of first refusal cannot exercise the right until the owner actually offers the property for sale. RIGHT OF SURVIVORSHIP: Right to acquire the interest of a deceased joint owner; distinguished feature of a joint tenancy. A characteristic of a joint tenancy; upon the death of one of the joint tenants, his rights in the property pass automatically to the surviving tenant or tenants. RIGHT OF WAY: An easement or right of passage over another's land; the strip of land used as a roadbed by a railroad or used for a public purpose by other public utilities. The right or privilege to pass over a designated portion of the property of another. A privilege operating as an easement upon land, whereby the owner, by grant, or by agreement, gives to another the right to pass over his land, to construct a roadway, or use as a roadway a specific part of his land, or the right to construct through and over his land, telephone, telegraph or electric power lines, or the right to place underground water mains, gas mains, or sewer mains. RIPARIAN RIGHTS: The rights of a landowner to the water, on, under or adjacent to his land. Literally "river-bank." That body of the law, which has to do with real property, located adjacent to rivers or other bodies of water. RISK ANALYSIS: A study, usually made by the lender, of the various factors that might affect the repayment of a loan. SALES CONTRACT: A contract by which buyer and seller agree to the terms of a sale. SALE-LEASEBACK: A sale of real property where the seller retains occupancy by leasing the property from the buyer. SATISFACTION: Payment of a debt or other obligation. SEAL: An impression made to attest the execution of an instrument, e.g., Notary Seal, Corporate Seal. SECONDARY FINANCING: A loan secured by Mortgage of Deed of Trust, which is recorded after the first Mortgage or Deed of Trust. SECONDARY MORTGAGE MARKET: Financial institutions which purchase promissory notes secured by mortgages or deeds of trust from the original lenders. SECURED PARTY: The party holding a security interest. Thus, the mortgagee, the conditional seller, the pledgee, etc… are all now referred to as the secured party. SECURITY AGREEMENT: An agreement between a secured party and a debtor, which creates a security interest. SECURITY INTEREST: A term designating the interest of the creditor in the property of the debtor in all types of credit transactions. It thus replaces such terms as the following; Chattel mortgage; pledge; trust receipt; chattel trust; equipment trust; conditional sale; inventory sale; inventory lien; etc………. SECTION: A parcel of land approximately one mile square, containing 640 acres, which is located within a township, as established by U.S. Government Survey. SEPARATE PROPERTY: property which is owned by a husband or wife but which is not community property; property acquired by either spouse prior to marriage or by gift or devise after marriage. SEPTIC TANK: An underground tank in which sewage from the house is reduced to liquid by bacterial action and drained off. SERVICING: Supervising and administering a loan after it has been made. This involves such things as collecting the payments, keeping accounting records, computing the interest and principal, foreclosing on defaulting loans, etc………. SETBACK LINES: Lines, which identify the required distances for the location of improvements for the perimeter of the property. SETBACK ORDINANCE: An ordinance prohibiting the erection of a building or structure between the curb and the setback line. SEVERALTY OWNERSHIP: Owned by one person only. Sole ownership. SHERIFF'S DEED: Deed given by court order in connection with sale of property to satisfy a judgment. SPECIAL ASSESSMENT: Legal charge against real property by a public authority to pay the cost of public improvements such as street lights, sidewalks, streets improvements, etc………. SPECIAL PROTECTION: Extended coverage provided to the insured party under a title insurance policy in the form of a written endorsement for which there is an extra charge. An endorsement increases the risk assumed by the company by "insuring over" existing or potential defects in title. Examples: Form 100, mechanics lien protection, mineral protection or deletion of printed exceptions. SPECIAL WARRANTY DEED: A deed in which the grantor warrants or guarantees the title only against defects arising during his ownership of the property and not against defects existing before the time of his ownership. A deed wherein the grantor warrants that he is conveying the title to the property "as good as he got it." SPECIFIC LIENS: Liens, which attach to only a certain specific parcel of land or piece of property. SPECIFIC PERFORMANCE: An action to compel performance of an agreement, e.g., for the sale of land. A remedy which the court will grant, in certain cases, compelling the defendant to perform or carry out the terms of a valid, existing agreement or contract. SALE LEASE: An agreement between the State of Colorado and other partie

for the use of lands under the jurisdiction of the State Board of Land Commissioners for grazing, agricultural and other lawful purposes. STATUTE OF FRAUDS: State law, which provides that certain contracts must be in writing in order to be enforceable at law. Examples: Real property lease for more that one year; agent's authorization to sell real estate. STATUTORY WARRANTY DEED: A short form warranty deed authorized by statute, which warrants by inference that the seller is the undisputed owner and has the right to convey the property and that will defend the title if necessary. This type of deed protects the purchaser in that the conveyor covenants to defend all claims against the property. If he fails to do so, the new owner can defend claims and sue the former owner. SUBJECT TO MORTGAGE: One who takes title to real property subject to a mortgage is not responsible to the holder of the promissory note for the payment of any portion of the amount due. (See Assumption of Mortgage.) The original maker of the note is not released from his responsibility to make the payments thereon. SUBLEASE: A secondary lease of property given by the lessee under a prior lease to a sublease. SUBORDINATE: To make subject to, or junior to. For example, a prior deed of trust may by written agr

ement be subordinated in priority to a subsequent junior deed of trust. SUBORDINATION CLAUSE: Clause in a junior or a second lien permitting retention of priority for prior liens. A subordination clause may also be used in a first deed of trust permitting it to be subordinated to subsequent liens as, for example, the liens of future construction loans. SUBORDINATE AGREEMENT: An instrument or agreement that makes a loan or mortgage inferior or subordinate to one that was recorded after it. SUBDIVISION: Any number of lots or plots broken down out of a large piece that has an organized map plan or plat to define it. SUBPOENA: A process to cause a witness to appear and give testimony legal or quasi-legal in a proceeding. SUBROGATION: The substitution of another person in place of the creditor, to whose rights he succeeds in relation to the debt. The doctrine is used very often where one person agrees to stand as surety for the performance of a contract by another person. SUB-SURFACE RIGHT: The ownership or right of use of some portion of the ground underlying the surface of a parcel of land. SURETY: One who guarantees the performance of another; guarantor. SURRENDER: In leases, it is the cancellation of a lease by mutual consent of lessor or lessee. In bankruptcy, it is an informal term for relinquishment of property by the debtor to the control of the bankruptcy trustee. SURVEY: The process by which a parcel of land is measured and its area ascertained. The process of measuring land to determine its size, location, and physical description. An improvement Survey is the drawing done by a registered land surveyor showing the dimensions of a particular piece or real property, which shows the improvements, located on the property in relationship to the property itself. (See also Improvement Location Certificate) SYNDICATE: A partnership organized for participation in a real estate venture. Partners may be limited or unlimited in their liability. TAKE-OUT LOAN: The loan arranged by the owner or builder/developer for a buyer. The construction loan made for construction of the improvements is usually paid off from the proceeds of this loan. TAX CERTIFICATE: A written statement by the County Treasurer of the taxes due on a particular property. TAX DEED (TREASURER'S DEED): A conveyance by the County Treasurer of property for which the taxes were not paid by the owner, and which was sold at tax sale at least three years previously. TAX-FREE EXCHANGE: An exchange of one income property for another, thereby avoiding, at time of the exchange, capital gains liability to the extent that the values of the properties exchanged are equivalent. TAX SALE: Sale of property by the County Treasurer for the nonpayment of general or special property taxes. TENANCY IN COMMON: Ownership by two or more persons who hold undivided interests, without right of survivorship; interests need to not be equal. A type of co-ownership of real property; a holding of an estate in land by two or more persons, each being entitled to possession of the property according to his proportionate share; distinct from a joint tenancy in that there is no right of survivorship in a tenancy in common. TENANT: Any person in possession of real property with the owner's permission. TENANT BY THE ENTIRETIES: Under certain state laws ownership of property acquired by husband and wife during marriage which is jointly owned. Upon death of one spouse, it becomes the property of the survivor. Not recognized in Colorado. TENTATIVE MAP: The Subdivision Map Act requires sub dividers to submit initially a tentative map of their tract to the local planning commission for study. The approval or disapproval of the planning commission is noted on the map. Thereafter, a final map of the tract embodying any changes requested by the planning commission is required to be filed with the planning commission. TENURE IN LAND: The mode or manner by which an estate in lands is held. TESTAMENT: Another term for a will. Commonly referred to as "last will and testament." TESTATE: When a person dies leaving a will. The estate or condition of leaving a will at death; "To die testate." TESTATOR: One who makes or has made a testament or will. One who leaves a will in force at his death. TIME IS OF THE ESSENCE: One of the essential requirements of a binding contract; contemplates a punctual performance. TITLE: The evidence of rights, which a person has to the ownership and possession of land. Commonly considered as a bundle or history of rights. Evidence that owner of land is in lawful possession thereof, and instrument evidencing such ownership. TITLE DEFECT: Any legal or asserted right held by others to claim property or to make demands upon the owner. TITLE INSURANCE: A policy of insurance, which indemnifies the holder against loss sustained by reason of a defect in the title, provided the loss does not result from a defect excluded by the policy provisions. Insurance against loss or damage resulting from defects or failure of title to a particular parcel of real property. TITLE REPORT: A report, which discloses the condition of the title to a parcel of real property, made by a title company preliminary to issuance of title insurance. TITLE SEARCH: An examination of public records to disclose the current facts regarding ownership of real estate. TOPOGRAPHY: nature of the surface of land; topography may be level, rolling, or mountainous. TORRENS SYSTEM: A system by which real property is registered and a Torrens Certificate is issued to the owner of real property. The certificate is the owner's evidence of title. A system by which the registrar of Torrens keeps and maintains title records pertaining to real property located in the County. TORT: A negligent or intentional wrong doing for which the law will grant money damages to the damaged party in a civil action. TOWNSHIP: A division of territory 6 miles square, containing 36 sections or 36 square miles. TRACT: An area of land. TREASURER'S DEED (TAX DEED): A deed for property sold at public sale by the County Treasurer for nonpayment of taxes by the owner. TRUST: A property right held by one for the benefit of another. The concept of transferring title to a fiduciary or entrusted person to administer property for the benefit of another. TRUST ACCOUNT: An account separate and apart and physically segregated from a broker's own funds, into which the broker is required by law to deposit all funds collected for clients. TRUSTEE: Public Official or private party who holds a Deed of Trust as security for payment of the note secured, and thereby for redelivery of title to the debtor upon payment in full of the obligation. One who holds property in trust for another to secure the performance of an obligation. TRUSTOR: One who conveys title to a trustee to be held as security until the trustor has performed his obligation to a lender under the terms of a deed of trust. UNDUE INFLUENCE: Any fraudulent or unfair advantage taken of another's weakness of mind, distress or necessity. UNIFORM COMMERCIAL CODE: Effective January 1, 1965, this statutory code establishes a unified and comprehensive scheme for regulation of security transactions in personal property, superceding the existing statutes on chattel mortgages, conditional sales, trust receipts, assignment of accounts receivable and others in this field. UNTIED STATES GOVERNMENTAL SURVEY SYSTEM: Often called the Rectangular Survey System. A method of describing or locating real property by reference to the Governmental Survey. USURY: Charging a rate of interest on a loan, which is higher that that permitted by law. UTILITIES: Refers to services rendered by public utility companies such as water, gas, electricity and telephone. VALID: Having force or binding effect; legally sufficient and authorized by law. VALUATION: Estimated worth or price. The act of valuing by appraisal. VENDEE: A purchaser. VENDOR: A seller. VERIFICATION: Sworn statement before a duly qualified officer as to the correctness of the contents of an instrument. VEST: To own or indicate ownership in lands. "Title may be said to "vest" in John Brown." VESTED: Bestowed upon someone; rights to which one is entitled. VOID: To have no force of effects; that which is legally unenforceable. Invalid; or no legal effect. VOIDABLE: Nor void, but may be set-aside at a later time. VOLUNTARY LIEN: Any lien placed on property with the consent of, or as a result of, the voluntary act of the owner. EXAMPLES: Mortgages and Deeds of Trust. WAIVE: To relinquish, or abandon; to forego a right to enforce or require performance by another. WARRANTY: An agreement and assurance by the grantor of real property which is binding upon himself and his heirs, to the effect that he is the owner and will defend the title granted to another. WARRANTY DEED: A deed used to convey real property, which contains warranties of title and quiet possession, by which the grantor agrees to defend the premises against the lawful claims of third persons. Often called a general warranty deed; a deed in which the grantor warrants or guarantees the title to real property against defects existing before the grantor acquired title or arising during the grantor's ownership. WATER TABLE: Distance from the surface of land to the depth at which natural groundwater is found. WILL: A written document properly witnessed, providing for the distribution of property upon the death of the owner. The written statement of a person's wishes concerning the disposal of his after death. WRAP AROUND MORTGAGE: A second mortgage, for an amount larger that the remaining balance on the existing first mortgage, usually payable to the debtor under the first mortgage who is also the seller of the property which secures the mortgage. The buyer makes payments to the seller, who is obligated under the law of the wrap around mortgage to make payments on the first mortgage. A wrap around mortgage may be used where the interest rate on the existing first mortgage is much lower than the current interest rates available on new loans, for which the buyer may be unable or unwilling to qualify. "Also known as All-Inclusive Deed of Trust." WRIT OF EXECUTION: A writ or court order, authorizing and directing an office of the court, usually the sheriff, to carry into effect the judgment or decree of the court. ZONE: The area set off by the proper authorities for specific use; subject to certain restriction or restraints. ZONING: Act of city or county authorities specifying type of use to which property may be put in specific areas.

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Mountain, Cliffs Golf Course, Valley View at the Cliffs The River Reserve, Rivendale, Plum Ridge, Aberdeen, Arcadia Pointe Condos with Water front Properties, Thornehill, The Meadows, Graylyn, Rolling Creek, Arden Chase, The lofts at Mills Mill Marion County, Ocala area and surrounding areas such as Silver Springs, Ocklawaha, Belleview, Summerfield, Dunnellon, Citra, Anthony, Sparr, Reddick, Silver Springs. We can also show you any of the Golf Communities located in our area, such as Ocala Golf & Country Club, Oak Run, Lake Diamond, Ocala Palms, Rainbow Springs, The Villages, Spruce Creek, Stonecrest, Marion Oaks, To just list a few of the other communities we serve: Ocala, Belleview,Summerfield, Silver Springs, Ocklawaha, Citra, Sparr, Silver Springs, Orange Lake, Anthony, and many others. The communities we specialize in include, but are not limited to Ocala Golf & Country Club, Anthony , Autumn Oaks, Avondale, , Bear Track Ranch, Belle Lea Acres, Belle Oaks, Belleair, Belmar Estates, Belmont Oaks, Belvedar, Benedict Farms, Bent Tree, Berkshire Manor, Best Acres, Big Ridge Acres, Bird Island, Bliss Haven, Blue Oaks, Bluefields, Blueridge, Belleview Estates, Belleview Gardens, Belleview Heights, Belleview Highlands, Belleview Hills, Belleview Ranchettes, Belleview Ridge Estates, Breezewood Acre, Bentwood Estates, Briarwood, Bridle Ridge, Bridle Run, Bridle Trail Estates, Brookstone, Buffington, Candler Acres, Candler Estates, Cardinal Hill, Carol Estates, Carriage Hill, Carriage Trail, Castle Hills, Cedar Hills, Central Waterway, Century Oaks, Cherry Wood, Cherrywood, Churchill, , Classic Farms, Classic Hills, Clear Lake, Clearwater, Country Club, Country Club Farms, Country Club Village, Country Estates, Country Gardens, Country Meadows, Country Oaks, Country Walk, Countryside, Countryside Farms, Cobblestone, College Park, Coral Heights, Coral Ridge, Crestwood, Crystal Lakes, Cut Above, Dalton Woods, Darby Downs, Deep Woods, Deer Creek, Deer Path, Deer Trail Estates, Deerwood Acres, Derby Downs, Derby Farms, Devonshire, Double Gate, Dove Hill, Druid Hills, Eden Garden, Edgewater, El Dorado, Eleven Oaks, Emerald Point, Equestrian Trail, Equine Estates, Eureka, Evergreen, Fairfax Hills, Fairfield, Fairfield Farms, Fantasy Farm Estates, Feathernest, Finish Line, Fisher Park, Florida Heights,, Fore Acres, Fore Oaks Estates, Forest, Forest Acres, Forest Edge, Forest Golden Hills, Forest Green, Forest Hills, Forest Lake, Forest Manor, Forest Park, Forest Villas, Fountain Oak, Fox Hollow, Fox Meadow, Fox Run Estates, French Estates, Ft Gates, Ft King Acres, Ft King Forest, Ft King Heights,, Golden Acres, Golden Glen, Golden Hills, Golden Meadow Farms, Golden Ocala, Golf Park, Golfview, Golfview Add, Green Meadows, Greenbriar, Greenwood, Gulf Park, Halfmoon, Handy Hill, Hawks, Hawks Landing, Hawks Point, Hazel Gardens, Heritage Hills, Hickory Hills, Hickory Hollow, Hickory Oaks, Hidden Acres, Hidden Estates, Hidden Lake, Hidden Oaks, Hidden Village, High View, Highpointe, Hilldale, Hills Ocala, Hillside Acres, Horseback Ridge, Hunters haven, Hunters Ridge, Hunters Trace, Huntington, , Indian Pine, Indian Trails, , Kay Oakcrest, Kay Shady Acres, King Grove, Kingsland, Kozick, Lacasta Estates, Lake Bonable,, Lake Diamond, Lake Dimple, Lake Eaton, Lake Fay, Lake Forest, Lake George, , Lake Kerr, Lake Kerr Key, Lake Louise, Lake Lynn, Lake Meadows, , Lake Weir, , Laurel Run, Laurel Wood, , Lemonwood, Leonardo Estates, , Little Lake Kerr, Little Lake Weir, Live Oak, Long Lake, Long Meadows, , Magnolia, Magnolia Farms, Magnolia Haven, Majestic Oaks, Maplewood, Marco Polo Village,McAteer Acres, McIntosh, Meadow, Meadow Acres, Meadow Ridge, , Meadow Wood, Meadow Wood Farms, Montague, New Haven, Newchance Farm, New Chance Farm, Nicholas Acres, Nicholas Estate, Northwood, Oak, Oak Cove, Oak Creek, Oak Hammock, Oak Hill, Oak Manor, Oak Manor, Oak Meadow, Oak Park, Oak Ridge, Oak Run, Oak Trail, Oakcrest, Ocala, Ocala Acres, Ocala Downs, Ocala Estates, , Ocala Highland, Ocala Oaks, Ocala Palms, Ocala Park Estates, Ocala Park Ranch, Ocala Square, Ocala Thoroughbred, Ocala Waterway, Ocklawaha Heights, Ocklawaha Park, Orange Blossom Garden, Orange Blossom Hills, Oronoque, Osceola Estates, Osceola Hills, Paddock, Paddock Downs, Paddock Village, Paddock Oaks, Paddock Park, Paddock Park Estates, Paddock Villas, Palm Cay, Palm, Palm Terrace, , Park East, Park Place, Pearl Britain, Pecan, Pedro Ranches, Pepper, Pepperhill Farm, Peppertree, Pidgeon Park, Pine, Pine Acres, Pine Haven, Pine Hill Acres, Pine Island, Pine Manor, Pine Oaks, Pine Ridge, Pine Run, Pine Run Estates, Pinecrest, Plantation, Plantation Estates, Pleasant, Pleasant Acres, Pleasant Manor, Quail Creek, Quail Haven, Quail Hollow, Quail Lake, Quail Meadow, Quail Ridge, Quail Run, Reddick, Reddick Circle, Redding Circle, Redding Ranches, Regal Woods, Remington Oak, Ridge Manor, Ridge Meadows, Ridgewood Farms, Ridgewood Park, Rivendel, , Robinwood, Rolling Acres, Rolling Hills, Rolling Oaks, Rolling Ranches Estates, Romeo, Saddle Hill, Salt Springs, Sanctuary, Sandhill Estate, Sandy Acres, Scroggie Acres, Shadow Wood, Shady, Shady Grove, , Shady Hills, Shady Pine, Shady Road, Shady Wood, Sherman Oaks, Sherwood Forest, Silver Acres, Silver Creek, Silver Crest, Silver Hill, Silver Lake, Silver Meadows, Silver Oaks, Silver Palm, Silver Pines, Silver Ranch, Sleepy Hollow, Silver Spring, Silver Springs, Silver Springs Shores, Smith Lake, South Hammock, South Oak, South Point, Southgate, Southwind, Southwood, Spaulding, Spring Highland, Spring Hill, Spruce Creek, Golf and Country Club Starting Gate, Stone, Stone Hill, Stone Oaks, Stone Crest, Stonegate, Stoneridge, Stonewood, , Sugar Hill, Sugar Plum, Summerdale, Summerfield Farms, Summerton, Summit, Sun Country, Sun Tree, Sun Valley, Suncrest, Sunland Estates, Sunview Manor, Tall Pines, The Cedars, The Fountains, The Hammock, The Marquesas, The Meadows, The Villages, Tillison, Lakes Manor, , Turner Park, Turning Hawk, Turning Point, Twin Lakes, Underwood, Villa Park, Village, Villages, Villas of Belleview, Virginia Square, Virginia Terrace, Virmillion, Vonn Addition, Waldo Place, Walnut Creek, Wedgewood Estates, , West Wind Trails, Westbury, Westgate, Westwood, Whisper Crest, Whisper Knoll, Whispering Acres, Whispering Pines, White Oak Village, Windemere Glen, Windgate Esates,Windstream, Wineberry, , Winners Circle, Winners Turf, Winterwoods, Wonderland, Wood Oaks, Wood Ridge, Woodberry, Wooded Acres, Woodfields, Woodhaven, , Woodland Villages, Wood Land, Woodmar, Woods & Lakes, Woods & Meadows, Woods Lakes Ranches, Woodwinds, Wright Heights, Wyomina, Wyomina Crest, York, York Hammock, York Hill. parcel suitable for your home w/ level topography Four 5 acre lots located in Pine Ridge Ranches, a gated subdivision, specializes in assisting buyers and sellers with all types of residential real estate. Whether buying or selling, can assist in your transaction for a home, house, condo, condominium, townhome, townhouse, new home, new house, new home development, luxury estate, mansion, vacation house, second home, million dollar home, ranch, land, farm, castle, foreclosure, foreclose, reo, corporate relocation, apartment building, office, office building, retail center, shopping center, income property, residential income, rental property, 1031, 1031 exchange, triple net, nnn, nnn leased, and property investments. Search the mls, property listing service, list your property, listing service, property posting, real estate listings, real estate mls, real estate listing service, real estate posting, mls, mls listing, multiple listing service, listing of new homes, listing of homes, home listings, fsbo, fsbos, listing your home, listing your house, for sale by owner, sale by owner, cma, comparative market analysis, comparable market analysis, comps, comp, comparables, sales comparables, recent sale, recent sales, customized listing campaign, customized marketing. Simplify the relocation process. Ask for a free consultation for free advise, compare realtors, compare real estate agents, compare real estate brokers, when you are planning to relocate. A homebuyer checklist and homebuyers guide are helpful for a home buyer during the relocating process. During the househunt, buyers like to get neighborhood info on a school district, elementary school, junior high school, high school, and the type of neighborhoods, demographics, areas, and shopping malls. For each housing tract, there is a list of home builders and contractors. For first time home buyers, it is always important to get pre-approved and pre-qualified in order to find a loan, mortgage, finance, credit, and lender. To find loan, compare lenders, find lenders, and to have a simple loan process requires study. A bank, savings and loan, or loan professional can assist with a home loan, first trust deed, second trust deed, second home loan, credit counseling, credit repair, debt consolidation, debt counseling, refinance, refinancing, financing, home equity line of credit, equity line, equity line of credit, sub prime, sub prime loan, subprime loan, sub-prime loan, sba loan, sba mortgage, va loan, va mortgage, construction loan, construction loans, commercial loan, commercial mortgage, credit report, title insurance, title. If you are a seller, you will be provided with a customized marketing and advertising listing campaign report complete with sales comps, free home valuation, market analysis, past sales, title insurance information, and mls inventory. A homeseller checklist provides a home seller with useful moving and relocation information, tips on how to prepare sell your home, and information about title insurance. 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If you are a buyer or a seller, when you decide to buy or sell, choose an expert agent who knows his hometown, such as a Johnson County realtor, Shawnee realtor, Lenexa realtor, Kansas City Missouri realtor, Olathe realtor, Overland Park realtor, Leawood realtor, Gardner realtor, De Soto realtor, wyandotte county realtor, prairie village realtor, johnson county realtor, merriam realtor, Edgerton realtor, fairway realtor, lake quivira realtor, merriam realtor, mission realtor, stillwell realtor, westwood realtor, westwood hills realtor, overland park real estate agent, shawnee real estate agent, lenexa real estate agent, olathe real estate agent, leawood real estate agent, johnson county real estate agent, mission woods realtor, spring hill realtor, roeland park realtor, overland park ks realtor, shawnee ks realtor, lenexa ks realtor, olathe ks realtor, johnson county ks realtor, leawood ks realtor, kansas city mo realtor, mission hills realtor, stanley realtor, overland park kansas real estate agent, lenexa kansas real estate agent, olathe kansas real estate agent, shawnee kansas real estate agent, leawood kansas real estate agent, kansas city missouri real estate agent. Many of the communities, subdivisions and areas we work in are listed here: 4900 West, Adams Crest, Aimtree Manor, Alden Place, Alegra Estates, Allegra Estates, Alpine Circle, Alta Vista Heights, Altamira, Ambassador Heights, Amber Hills Estates, Amber Meadows, Anderson Park, Antioch Acres, Antioch Circle Estates, Antioch Farms, Antioch Gardens, Antioch Hills, Antioch Meadows, antioch Place, Apollo Gardens, Apple Valley Estates, Applewood, Arbor Creek Village, Arbor Creek/The Community, Arbor Creek/The Estates, Arbor Landing, Arbor Woods, Arlington Estates, Arlington Park, Arlington Place, Arrowhead, Arrowhead Acres, Arrowhead East, Asbury Estates, Asbury Villas, Ashley Park, Ashton, Ashwood, Aspen Creek, Aspen Hills, Atwood Place, Aubry, Aubry Acres, aubry Township, Autumn Park, Autumn Pines, Autumn Ridge, Autumn Ridge, Autumn Woods, Avalon, Baer & Sautter, Barcelona, Barnett Addition, Bartcliff Manor, Beach's Addition, Beaman's, Bedford Court Villas, Bedford Courts, Bedford Downs, Beers Third, Bel Air Heights, Belcourt, Belden Estates, Belinder Hills, Belinder's Addition, Bella Vista, Belle Meade Farms, Bells Resurvey, belmont, Belmont, Belmont Downs, Belmont Estates, Belmont Park, Ben Fisher Subdivision, Benson Circle, Bentwood Crossings, Bentwood Park, Berkshire, Berryhill Farm, Beverly Estates, Beverly Hills, Bichelmeyer Estates, Birchwood Hills, Birchwood Place, Bittersweet Estates, Black Bob Estate, Black Forest, black Oak Estates, Black Swan Estate, Blackbob Courts, Blackbob Meadows, blackbob Trails, Blackhawk, Blackhoof Place, Blackthorne Estates, Blue Valley, Blue Valley Common, Blue Valley Heights, Blue Valley Hills, blue Valley Meadows, Blue Valley Riding, Blue Valley West, Bluehawk Townhomes, Bluejacket, Bluejacket Home, Bluejacket Wood, Bordeaux Condominium, Bowman Addition, Bowyer Place, Bradford Creek, Bradford Falls, Bradford Gardens, Bradford Meadows, Bradford Place, bradford Trails, Bradley Hills, Bradshaw, Bradshaw Place, Brampton Park, Brampton Place, Brandon Place, Breckenridge North, Breezy Heights, Brentwood, Brentwood East, Brentwood Park, Bretton, Breyfogle, Breyfogle Garden, Brianwood, Brianwood North, briarford Place, Briargrove, Briarwood, Briarwood Downs, briarwood Estates, Briarwood Place, Bridgestone, Bridgewater Estates, Bridgewood, Bridlewood, Bridlewood Downs, Bridlewood Estates, Bright Water, Brighton Court, Brighton Lake Estates, brighton Park, Brighton Place, Brighton's Landing, Brillhart, Brillhart Garden, Brillhart's 2nd Sub, Bristol Place, Bristol Ridge, Brittany Brooke, Brittany Court, Brittany Forest, Brittany Heights, Brittany Highlands, brittany Hills, Brittany Hills Villas, brittany Meadow, brittany Meadows, Brittany Park, Brittany Place, Brittany Pointe, Brittany Ridge, Brittany Valley, brittany Woods, Brittany Yesteryear, broadmoor, Brock, Broken Arrow, Brook Haven, Brookborough Estates, Brookfield, Brookfield Park, Brookhaven, Brookhighland, Brookhill, Brookhollow, Brookridge Estates, brookridge West, Brookside, Brookside Meadows, Brookview, Brookwood, Brookwood Estates, Brookwood Place, Brougham Village, Brownwood Manor, Broxton Square, Bruce Acres, Bryantwood, bryantwood South, Brymar Addition, Bryn Vista, Bryn Vista Park, Buchanan Place, buckingham Estates, Buckley Place, Bucyrus, Burning Tree Villa, Burris Ocheltree, Button Willow, Byars Gardens, caenen, Caenen Addition, Caenen Court, Caenen Gardens, Caenen Heights, Calvin Crest, Cambridge Court, Cambridge Point, Cambridge Square, Camden Place, Camden Woods, Camelot, Campbell , Campbell Place, Candlelight Mead, Candlelight Square, Cantabury, Canterbury Court, Canterbury Estates, Canyon Creek By The Park, Carnes Addition, Carriage Crossing, Carriage Hills, Carriage Hills of Wellington , Carriage Place, Cayots Corner, Cedar Brooke, Cedar Creek Estates, Cedar Creek- Cedar Glen, Cedar Creek- Cedar Ridge, Cedar Creek- Clubside, Cedar Creek- Hidden Lakes North, Cedar Creek- North Lake Ridge, Cedar Creek- North Shore Est, cedar Creek- Shadow Highlands, Cedar Creek- Southglen, Cedar Creek- Southglen Woods, Cedar Creek- The Bluffs, Cedar Creek- The Cottages, Cedar Creek- The Estates, Cedar Creek- The Links, Cedar Creek- The Reserve, Cedar Crest, Cedar Estates, Cedar Farns, Cedar Hills, Cedar Junction Estates, cedar Mill Estates, Cedar Niles, The Estates, cedar Niles, The Meadows, Cedar Niles, The Reserve, Cedar Niles, The Villas at, Cedar Ridge Farms, Cedar Ridge Park, Cedar Ridge West, Cedar Springs II, Cedar Valley, Cedar Woods, Cedarcrest, cedarvale, Cedarvale, Centennial Park, century Estates, Century Estates II, Century Estates III, Century Estates South, Chalet, Chanderin Court, chandler Place, chanute Hills, Charlemagne Manor, Charleston Court, Charleton Place, Chartwell, Chartwell West, Chase Manor, Chateau Condo, Chatham Court, Chela Tha Estates, Chenonceau Meadows, Cherease, Cherished Oaks, Cherokee Hills, Cherokee Hills South, cherry Creek, Cherry Hills, Cherry Lane, Cheshire Court, choteau Manor, city View Farms, Clarkhurst, Clarkview, Clear Creek Estates, Clear Creek, The Clearing, Clear Creek, The Enclave, clear Creek, The Forest, Clear Creek, The Meadows, Clear Creek, The Preserve, Clear Creek, The Village at, Clearview Estates, Clearwater Creek, Cliftview, Cliftview West, Cloverleaf View, Club Villas at LionsGate, Coach Homes at the Fountains, Coachlight Meadows, Cobblestone Condominium, Cobblestone Park, Colchester Court, College Hill, college Meadows, College Park, College Park Estates, College Park Vi, College View, Colliver Addition, colonial View, Colonial Village, Colony Hills, Colony North, Colony West, colony Woods, comanche Height, Concord Square, Condominiums at Woodside, Conser Addition, copenhaven, Copley Place, Copper Creek, Copper Creek Estates, Copper Springs, Corinth Downs, corinth Estates, Corinth Hills, Corinth Meadows, corinth Place Villas, Cornwall Barton, Cothrell & White, Cottage Creek, Cottage Park, Cottages of Fairway Woods, Cottonwood Bend Estates, Country Club, Country Club Heights, country Club View, Country Creek Estates, country Hill, Country Hill Estates, Country Hill West, Country Meadows, Country Oaks, country Oaks Estates, Country Place, country Ridge, Country Shire, Country Side, Country Side East, Country Side Estates, Country Side West, country Squire, Country View, Country View, country View Estates, Country Village Townhomes, County Fair, County Fair, Covenant Park, Coventry, Coventry Estates, Coventry Place, Craigmont, Creekside, Creekside Estates, Creekside North, crescent Court, Cresent Oaks Of Willow Bend, cresta Vista, Crestview Heights, Cross Addition, Cross Creek, Crossland, crossland View, Crosspointe, Crystal Court, Crystal Place, Cunningham Heights, Cunningham High, Cypress Pointe Villas, Dalington, Dana-Dar East, Dana-Dar Estates, Davis, davis Addition, Davis Subdivision, De Maria Acres, Deer Creek, Deer Creek Courts, deer Creek Manor, Deer Creek Park, deer Creek Reserve, Deer Creek Villas, Deer Ridge Estates, Deer Run, Deer Run Acres, Deer Valley, Deerbrook, Deerfield Trace, Deerfield Village, Deerwalk, Dellwood Park, Delta Corners, demeadows, DeMeadows Estates, Demeese Heights, Desoto, devereaux, Deville 75, Devonshire, Dinwiddies Addition, Dixie Hills, Dobyns Addition, Dona Christine, Dorset Manor, Dorset Village Manchester Park, Double Gate, Douglas, Douglas Highland, Dover Estates, Driftwood Acres, Dunnford, Dwyers Addition, Eagle Creek Estates, Eagle Crest, Eagle Pointe, Eagle Ridge, Early Place, Earnshaw Estate, Eastbrooke, Eastland Meadows, Eastview, Eby, Edelweiss, Edgemere, Edgerton, Edgerton Manor, edgewood, Edlunds Resurvey, Edson Place, Eleanora Height, Elmhurst, Elmwood, Elston Park, Emerald Estates, Emerald Point, Emerald Ridge, Empire Estates, Enchanted Lake Estates, Enclave at Woodland Lakes, Engel Circle, English Gardens, Ennismore Estate, Ensley Court, Esquire Estates, Essex Place, Estates of Ashton, Estates of Blue Valley, Estates of GlenEagles, Estates of Green View Ridge, Estates of Highland Ridge, Estates Of Iron Horse, Estates Of Nottingham South, Estates of Palos Verdes, Estates of Parkhurst, Estates of Prairie Glen, Estates Of Prairie Haven, Estes Park, Everett's, Evergreen, Evergreen, Evergreen Park, Executive Estates, Executive Hills, Eyerly's, Fairfield, Fairfield Manor, Fairview, Fairview Court, Fairview Height, Fairview Hills, Fairview Manor, Fairview Park, Fairview Village, Fairway, Fairway Hills, Fairway Manor, Fairway Woods, Fairway Woods North, Falcon Grove, Falcon Meadows, Falcon Pointe, Falcon Ridge, Falcon Ridge Estates, Falcon Ridge Villas, Falcon Valley, Falcon Valley, Villas of, Falcon Village, Fallbrook, Farmstead, Farmstead North, Farrington Place, Fawn Valley, Fern Dell, Fern Valley, Ferndale, Ferndale #2, Fieldston, Fieldstone, , Fisher Highland, Flanders Courts, Fontainebleau, Fontainebleau East, Fontana Place, Fonticello Gardens, Fordham Estates, Forest Creek Estates, Forest Glen, Forest Glen by the Lake, Forest Glen Place, Forest Hills, Forest Oaks, Forest Park, Forest Park Estates, Forest Rowe, Forest Trace, Forest View The Estates, Forest View The Hills, Forest View The Meadows, Foster Oaks, Fountain Gate, Fountain Gate Village, Four Colonies, Fox Chase, Foxborough, Foxfield, Foxfield Estates, Foxfield Village, Foxhead Shores, Foxridge, Foxridge South, Fred's Place, Fredrickson Addition, Frenchmen's Creek, Friendship Heights, Fromholtz Addition, Funston Place, Gabriel Estates, Galway Domains, Garastanna Acre, Gardner, Gardner Heights, Gardner Heights, Gardner Lake, Gardner Manor, Gardner Wood, Garner Heights, Garnett Highland, Gaslight Acres, Gault Addition, Geenens, Genesis Creek, Genesis Creek Estates, Genesis Farms, Gibbs Woods, Ginger Creek, Glad Acres Ranch, Gladacre Meadows, Gladacres, Gladacres South, Gleason Glen, Gleason Ridge, Glendell Acres, GlenEagles, Glennwood Addition, Glentivar Place, Glenwood Acres, Glenwood Heights, Glenwood Ridge, Glenwood View, Glynmor, Glynmor Reserve, Goddard View, Golden Meadows, Golf Club Garden, Golf Crest, Goode Estates, Goodes Place, Goodman Heights, Governors Court, Governors Square, Gramercy Park, Gramercy Place, Grand Duque, Grand Oaks, Grande Duque Manor, Grant Gardens, Granthurst, Grasmere Acres, Grayson Mills, Green Meadows, Green Prairie, Greenbrier, Greenfield, Greens of Chapel Creek, Greentree, Greentree, Greenview Ridge, Greenway Place, Greenwich Hills, Greenwood, Greenwood Acres, Greenwood Farms, Greenwood Manor, Greenwood Resurvey, Greenwood South, Greenwood Square, Gregory Meadows, Grey Oaks Country Crossing, Grey Oaks Country Meadows, Grey Oaks Eagle View, Grey Oaks Madison Pointe, Grey Oaks Madison Ridge, Greystone, Greystone Estates, Greystone Lake, Greystone South, Greystone West, Guildford Downs, Guilicks, Hadley Court, Hale Addition, Hall Gardens, Hallbrook, Hallmark, Halls Acres, Halvira Heights, Hampshire Square, Hampton Court, Hampton Court Nottingham, Hampton Park, Hampton Place, Hamptonshire, Hanover, Hanover South, Hardman's Resurvey, Harmony Lake Estates, Harmony South, Harmony View Acres, Harmony View West, Harwycke, Hauser Addition, Hauser View, Havencroft, Havencroft North, Havencroft South, Hawthorne Place, Hawthorne Terrace, Hawthorne Valley, Hawthorne View, Hayes Addition, Hazel Crest, Hazel Crest East, Hazelwood, Heartland Hills, Heather Ridge, Heatherglen, Heatherstone, Heatherwood, Heritage Estates, Heritage Estates West, Heritage Farms, Heritage Forest, Heritage Glen, Heritage Hill West, Heritage Meadows, Heritage Park Estates, Heritage Park Estates, Heritage Park Estates, Heritage Trails, Heritage Woods, Hickory Crest, Hickory Hill Estates, Hickory Hills, Hickory Hills East, Hickory Ridge, Hickory Summit, Hickory Woods, Hidden Valley, Hidden Woods, Hidden Woods, High Grove Estates, Highcroft, Highland Acres, Highland Addition, Highland Crest, Highland Estates, Highland Garden, Highland Park, Highland Park, Highland Park East, Highland Park Estates, Highland Pointe of Parkhurst, Highland Ridge, Highland View, Highland Village, Highlander Estates, Highlands Creek, Highlands Of Belmont, Highlands of Kensington, Highlands Of Leawood, Highlands Ranch, Hill Crest, Hillandale, Hillcrest Farm, hillcrest Heights, Hillcrest Manor, Hills Of Forest Creek, Hills of Iron Horse, Hillside, Hilltop Acres, Hilltop Court, Hilltop View, Hilton Creek, Hindmans, Hirning Woods, Hobbitt Estates, Hocker Grove, Hodges Highland, Hoehn Park, Holliday, Holliday Hills, Holly Green, Holly Ridge, Holmberg Estates, Holmes Crest, Holmesland, Homeland, Homestead, Homestead Creek, Homestead Estates, Homestead Woods, Homewood Acres, Huddleston & Cheney, Hunter Glen of Wellington Park, Hunter Ridge, Hunter's Creek, Hunter's Creek Estates, Hunter's Creek Highlands, Hunters Glen, Hunters Meadow, Hunters Pointe, Hunters Ridge, Huntington, Huntington Farm, Huntington Ht, Huntington Of Wedgewood, Huntington Park, Huntington Wood, Indian Acres, Indian Creek Estates, Indian Creek Heights, Indian Creek North, Indian Creek Park Estates, Indian Creek Ridge, Indian Creek Woods, Indian Fields, Indian Gardens, Indian Heights, Indian Heights Estates, Indian Hills, Indian Meadows, Indian Point, Indian Wells, Indian Woods, Iron Horse Villas, James Park Estates, James Place, Jamestown, Jessup 2nd Subd, Jessups, Jessups, Jewett Place, John Knox Resur, johnson, Johnson Hills, Jordan's Glen, Jordan's Pl, Juniper Hill, Karen View, Keith's Woods, Kenilworth, Kennett Pl, Kensington At St. Andrews, Kensington Manor, Kensington Valley, Kimberly Downs, King's Court, King's Forest, Kingsridge, Kingston, Kingston at Manchester Park, Kingston By The Park, Kingston Ct, Kingston Lakes, Kingston Meadow, Kingston Oaks, Kirkbride Place, Kirn View, Klassen Place, Klein Crest, Knightsbrooke, Knox Court, Knox Valley, La Crosse, Lackman Estates, Lackman Park, Lackman Park Place, Lackman Place, Lackman Plaza, Lake Park, Lake Quivira, Lake View Acres, Lakehurst, Lakepointe, Lakes Of Millcreek, Lakeshore Meadows, Lakeside Acres, Lakeside at Arbor Woods, Lakestone Est, Lakeview, Lakeview Est, Lakeview Hills, Larsons Re, Le Cluzel, Leabrooke Highlands, Leabrooke Park Estates, Leabrooke Preserve, Leabrooke Town Manor, Leawood, Leawood Country, Leawood Country Manor, Leawood East, Leawood Estates, Leawood Falls, Leawood Forest, Leawood Forest Estates, Leawood Heritage, Leawood Hills, Leawood Hills West, Leawood Lanes, Leawood Meadows, Leawood Mission Valley, Leawood South, Leawood Village, Lee Gardens, Leeview Estates, Leland Acres, Lenexa, Lenexa Hills, Lenexa Hills East, Lenexa Lands, Lenexa West, Lesco, Lexington, Lexington Park, Lexington Woods, Lichtenauer, Lido Villa, Lincoln Park, Lincolnshire, Linden Place, Lindenbrooke Forest, Lindenwood Pl, Links at LionsGate, Linwood, Lionsgate, Lionsgate by the Green, Lionsgate by The Lake, Lionsgate, The Club Villas at, Little Falls Es, Lockwood Addn, , Loma Gardens, Loma Vista, Lomac Hts, Lone Elm Estate, Long Look, Long View Resurvey, Longwood Forest, Loomis Place, Loomis Woods, Loralee Woods, Louisburg Square, Lowell Condo, Lowell Hills, Mac Acres, Macek Estates, Mackoys Estates, Madison Farms, Madison Heights, Madison Park, Madison Place, Madison Ranch, Madison Ranch, Manchester Park, Mansions at Cayon Creek, Maple Brook, Maple Circle, Maple Crest, Maple Crest View, Maple Falls, Maple Grove, Maple Hill, Maple Ridge, Maple Ridge of Wedgewood, Maple Valley Farms, Maplewood, Maplewood by the Lake, Maplewood of Crimson Ridge, Maplewood Place, Marbella, Margaritas, Marion Medows, Mark I Court, Mark Lane, Marlborough Hts, Marsh Meadows, Martincrest, Marty Place, Martys 1st Addn, Martys 2nd Addn, Marvin Gardens, Mastin, Mastin View, Maurer Woods Estates, McAnany Estates, McAnany Forest, McConnell Heights, McCoys Addn, Meadow Acres, Meadow Lake, Meadowbrook, Meadowbrook Acre, Meadowlands, Meadowlark Hill, Meadowridge, Meadows 1st Addition, Meadows Of Blue Valley, Meadows Of Haven Croft, Meadows Of Parkhill, Meadows Of Rockhill, Meadows/Gdnr, Mel O Dee Manor, Melody View, Melrose, Meng, Merriam, Merriam Grove, Merriam View, Merry Lea Farms, Metcalf 2nd Addn, Metcalf 56, Metcalf Hills, Metcalf Meadows, Metcalf South, Metcalf West, , Meyercrest, Meyers Estates, Mickey's Place, Mid Continent, Midland Heights, Milburn, Milburn Country, Milburn Court, Milburn Crest, Milburn Estates, Milburn Fields, Milburn Park, Milburn Place, Milburn View, Milburn West, Milhaven, Milhaven Estates, Mill Creek Grande, Mill Creek Meadows, Mill Val Yester, Mill Valley, Mill Valley Est, Millbrook, Millbrook Est, Millbrooke, Millcreek, Millcreek Estate, Millcreek Farm, Millcreek Manor, Millcreek Run, Millcreek Woods, Millers Park, Millers Sub, Millridge, Mills Woods, Millview Estate, Mission Acres, Mission Acres, Mission Circle, Mission Country Estates, Mission Country Manor, Mission Court, Mission Crest, Mission Falls, Mission Falls Estates, Mission Farms, Mission Forest, Mission Gardens, Mission Grove, Mission Heights, Mission Highlands, Mission Hill Ac, Mission Hills, Mission Lawn, Mission Meadows, Mission Mooreland, Mission Oaks, Mission Park, Mission Pines, Mission Prairie, Mission Reserve, Mission Ridge, Mission Ridge III, Mission Trails, Mission Valley, Mission Valley East, Mission Village, Mission Woods, Mohawk Acres, Mohawk Hills, Mokaw Circle, Mokaw Highlands, Mokaw Hills, Monitor Square, Monrovia, Monrovia Heights, Montclaire, Montclaire Manor, Monticello, Monticello Crest, Monticello Farms, Monticello Gardens, Monticello Meadows, Monticeto Place, Montrachet, Moonlight Gardens, Moonlight Ranch, Morgan Creek, Morland Heights, Morningside, Morningview, Morrison Ridge, Morse Village, Morse Village Estates, Mulberry Hill Estates, Mulberry Hills, Nall Avenue , Nall Hills, Nall Lands, Nall Valley Est, Nallwood, Nallwood Height, Nances 1st Addn, Neighborville, Nel Aro, Nelson Heights, Nelson Square, Nelson Woods, New Village at Prairie Haven, Newton Acres, Nieman Heights, Nieman Meadows, Nieman Park, Nieman View, Ninety Eighth Pl, Noland Acres, Noland Heights, Noland Woods, Nonemaker Addition, Norman Ray, Normandie Ct, Normandy Place, Normandy Square, North Ridge, Northgate Estates, Northgate Meadow, Northview, Northwest Manor, Northwest Park, Northwest Passage, Northwest Woods, Northwood Estates, Northwood Trails, Nottingham at Heritage Park, Nottingham By The Green, Nottingham Ct, Nottingham Down, Nottingham Est, Nottingham Forest, Nottingham Forest South, Nottingham Lake, Nottingham Place, Nottingham St Andrews, Nottington, Nottington Creek, Oak Brook, Oak Country Est, Oak Hill, Oak Leaf Acres, Oak Leaf Country, Oak Manor Est, Oak Manor Farms, Oak Park, Oak Park Manor, Oak Ridge Country Estates, Oak Ridge Est, Oak Run Community, Oak Run Estates, Oak Tree Meadow, Oak Tree Pointe, Oak Valley, Oak Woods, Oakbrook Est, Oakbrook of Crimson Ridge, Oakdale, Oakdell, Oakmont, Oakmont Estates, Oakshire, Oakview, Oakview, Oakview Estates, 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Meadows, The Meadows Estates, The Meadows of Aspen Creek, The Orchards, The Park at Forest Green, The Plantation, The Preserve at Coffee Creek, The Ranch Villas at Nall Hills, The Reserve, The Reserve at Heritage, The Retreat at the Wilderness, The Ridge At Pinewood, The Tallgrove Wilderness West, The Timbers at Clear Creek, The Traces Of Windham Hill, The Tuileries, The Village At Asbury, The Village At Spring Hill, The Village At Sunnybrook, The Village of Deer Creek, The Villages, The Villas of Chapel Green, The Villas of White Horse, The Wilderness, The Willows, The Woodlands, The Woods, The Woods Estates, The Woods Of Hidden Valley, The Woods Villas, Thompson Addition, Thompson Estates, Thunderbird Meadows, Tillotsons, Timber Creek, Timber Lake, Timber Oak, Timber Springs, Timber Trails, Timberline, Timbers Edge, Timberstone, Timberwolf Estates, Tomahawk Creek Condominiums, Tomahawk Creek Estates, Tomahawk Farms, Tomahawk Forest, Tomahawk Hills, Tomahawk Ridge, Tomahawk Trails, Tomahawk Woods, Tower Court, Tower Grove, Town & Country, Town & Country Estates, Town & Country Estates, Town & Country Manor, Town & Country Villas, Towner Place, Trail Gardens, Trail West Estates, Treesmill, Tu Lakes, Turnberry, Turners Add, Tuscany Reserve, Tuxedo Park, Tuxedo Subdivision, Twelve Oaks, >Twilight Acres, Twin Cedar, Twin Oaks, Two Trails, Valley Brooke Estates, Valley Ridge, Valley View, valley View Acres, Valleybrooke Estates, , Vaughn Subdivision, Vendome, Vendome Est, Vernon Place, Verona Gardens, Villa Medici, Villa Nottington, >Villa/Tamarind, >Village at Iron Horse, Village Gardens, Village Of Kensington, Village On Victory, Village Park Townhomes, Villas at Parkside, Villas Of Fairway Woods, Villas of Fairway Woods North, Villas Of Forest Creek, Villas of Greenview Ridge, Villas Of Iron Horse, Villas Of Leawood, Villas of Prairie Haven, Villas of St. Andrews, Villas of Tamarind, Villas of Tomahawk Creek, Villas of Village Shalom, Virginia Manor, Virginia 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Acres, White Fox Estate, White Haven, White Oak Estate, Whitedeer, Whitehorse, Whitright, Wickford Garden, Widmer Park, Widmer Woods, Wiedenmann Park, Wiedenmann Ridge, >Wild Wing Lake, Wildcat Run, Wildcat Run , Wilder, Wilderness, Wilderness Ridge, Wilderness Valley, Haven, Wilderness, the Retreat, Wildwood Estate, Williamsbrooke, Williamsburg Estates, Willow Bend, , Willow Brooke Estates, Willow Park, Willow Ridge, Willow Springs, Willow Trace, Willowbend Ranch, Willowbrook, Willowbrooke Farm, Willowbrooke Villas, Willowdale of Tomahawk Acres, Willowood Estates, Wilshire, Wilshire Farms, Wilshire Park, Wilshire Place, Wilshire South, Wilshire Woods, Windemere Place, Windgates, Windham, Windham Hill, Windham Meadows, Windham Park, Windham Trail, Windmill Spring, Windsor, Windsor Court, Windsor Estates, Windsor Hills, Windsor Manor, Windsor Park, Windsor Ridge, Windsor Trace, Wintercreek, Winwood Park, Wolf Creek West, Wolf Valley, Wolf Valley Estates, Wolf Valley Ranch, Wood Acres, Woodbrook, Woodcrest Estates, Woodgate, Woodhaven, Woodland Court, Woodland Creek, Woodland Farms, Woodland Hills, Woodland Lakes, Woodland Meadows, Woodland Meadows Estates, Woodland Oaks, Woodland Park, Woodland Place, Woodland Point, Woodland Reserve, Woodland Ridge, Woodland View, Woods At Iron Horse, Woods of Bradford, Woods of Mahaffie, Woodside, Woodson Court, Woodsonia, Woodstock, Worthington, Wyckford Estates, Wycklow, Wycliff, Wycliff West, Wyldwood Hills, Wyncroft, Wynnefield, Wynnewood,Yorkshire, Youngs Lake, Zardas Subdivision. Buying and selling a home is one of the biggest anchorage andover andrews ann annex ansonborough appian arbor arcady archdale archfield ardmore area arlington arms arnd around as asbsts ashborough ashcroft asheford ashland ashley ashleytowne ashleyville at atkins avail available avalon avenue avian avondale awake awendaw azalea b back bailey bakers barfield barony bates battery bay bayfield bayfront bayview beach beachcomber beachfront beachside beaumont bee beech been before bel bell belle belmont belvedere ben bend beresford berkeley berkleigh betsy beverly bgcolor black blackwell bldg block bluefield bluff boat boatyard bohicket boland bolton bon bonneau bordeleaux border bordercolor botany boulder boyce boyle braemore brandymill brentwood briarwood brick brickhouse brickyard briddleford bridge bridges bridlewood brigadier briscoe bristol broad brook brookfield brookgreen brookhaven broughton brown browning bryant buckfield built bull bulls bulow bunker bur burden bus bushy buyers byrnes cabin cable cainhoy caire calomet cambridge came camelot cameron camp camps can canal candlewood cannonborough canterbury cantering cape capers capri cardinal carolina caromi carriage cassina castlewood cay cedar cedars cellpadding cellspacing cement center centerville central chadbury challedon chandler chaparral chaplins charleston charlestowne chas check checkbox chelsea cherokee chesterfield chestnut chicora chisolm church churchill circle citadel city clare clarks class clearview clement clemson club coatbridge cochran cod codners college colleton collins colonial colony color colspan comments commons commonwealth community company cond condominium condominiums conformation conifer contemporary cooper coopers coosaw copahee coral cordesville corey corner cottage cottages cottageville cotton country countryside course court cove coventry covington covr crappie craven crawford crawl creek creeks creekside crescent crest crestview crestwood crichton criteria croghan cross crossgate crossing crowfield crown crse crystal ct cul cummings cup curriboo d dana daniel darrell dawson days de deas deck deep deer deerfield deerwood dellwood den devon dewees dining district diversion dock dockside doctors dogwood dominion doran dorchester double douglas dove dovefield dovewood down downtown dr drayton drozes dubard dubois dukes dune dunes dunmovin dunvegan duplexes dupont durham eadytown eagle east eastside eastwood eat ebaugh edenvale edenwood edge edgewater edgewood edisto egrets ehehardt eldorado elevators ellington elliotborough ellis elm elms elsey email emails encl eqpd essex estates etiwan evanston evergreen every existng expect extension exterior f facilts fairfax fairfield fairlawn fairway family farifield farm farmdale farmfield farmington farms fenc fence fenwick fergerson ferndale ferry fetteressa ffffcc ffffff fiddlers field fields fireside first fishburne fishing five flowertown folly font forest forestdale forrest fort fox foxborough foxcroft foxfire foxmoor foyer fr french frmal frnt front full gables gadsden gahagan gailmoor game garbon garden gardenia gardens gate gated gates gavin gazebo geddes general george gif gift givhans glen glendale glenlake glow glyn glynn goat goes gold golf good goodrich goodyear governors grand grant grants grassy grd great green greencrest greenfield greenhill greenhurst greenslake greenview greenwich greenwood greystone grimball grove groves guard guerins gulf haig halcyon hall halls hamlet hamlin hammocks hampstead hampton hanahan hansen happens harbor harborgate harbour harleston harleyville harris harrison harts has havenwood hawthorne haynes haynesville hcap headquarters heathwood heaton height heights hemmingwood heritage hermitage herndon heron hibben hibernian hickory hidden high highland highwoods hill hillcrest hills hillside hillstreet historic hive hobcaw hoff hollow holly hollywood home honey hope hopkins horlbeck horses hot hounds hours house houses howe huger hunt hunter hunters huntington i ii iii importance in indian indigo industrial information inlet inn inside internet ion irongate is island isle it ivy j jacks jackson jacksonboro jacobs james jamestown jamestowne jamison jarrell jasper jedburg jenkins jeremy jerico jo john johns johnson jones jungle k katony kensington kiawah kimbrell kings kitch knightsville knoll know known ladson lagoon lake lakefront lakes lakeshore lakeside lakeview lakewood lamar lambs land landing landings landsdowne langley lantana last laundry laurel laurens law lawn lawton lazy leadenwah lebanon lee legare legarville legend lems lenevar lennox letting level lewisfield liberty lighthouse limerick lincolnville line listed listing little live living loch locklairs lockwood longbranch longcreek longford longpoint lottype louise low lowndes loyal lynwood m macedonia maclaura magnolia magnolias mallard manor maple mariana marina mariners marion mark market marlborough marlin marsh marshall marshfront marshwalk martins marvel mary maryville masonborough masonite masonry mateeba mattassee mazyck mccalls mcclellanville mccrae mcintyre mcqueens meadow meadowbrook meadows media meese meets meggett melrose memminger mendenhall menstone meridian metts meyers michaels middlesex middleton midland mile mill millbrook miller millwood minnie mitten mls mobury molasses moncks montague montclair month moodys moreland morning morningside morris moss mosswood moultrie mt multiple murray myrtle mystic nabors nafair name national neck needlegrass neighbors new newington next none north northbridge northside northwood northwoods now nowrap o oak oakbrook oakcrest oakdale oakhaven oakland oakmont oakridge oaks oaktree oats ocean oceanview of okatee old olde olympic on only open option or orange orchard orleans oscar osceola osprey other otranto out outbldg over overlook overton owens palm palmetto palmettos palms paper paradise parish park parkdale parkers parkshore parkview parkwood parrot parsonage patio patriot patriots patterson pavilion paw peach pecan pelican pembroke peninsula pepperhill pepperidge permit perryclear persimmon peru ph phas phase phillips pickup piedmont pierpont pigeon pimlico pine pinecrest pinefield pinehill pinehurst pineland pines pineview pineville pinewood pinopolis pirates place plank plantation plantations planters play pleasant plum point pointe polly pond ponderosa pool pooshee por porch porcher port prch preserve privacy property proprietors providence province provinces pt public quail quarter queens queensboro queensborough quigley quinby racket radcliffborough radcliffe rainbow raindeer raintree ramp rams ranch ranches range rantowles ravenel ravens ravenwood reach ready realtors recieve red reevesville regency regents reigel remleys renaissance reserve resort retreat rice ricefield rich ridge ridgeville right riley rippomton ritter river riverbend riverchase riverfront riverland rivers riverside rivertowne riverview riverway rnd road robynwyn rockland rockville rogers rolling rollingwood romain room rooms roosevelt ropers rose rosemead rosemont rosenville rotherwood round row rows royal royle rue run rushland russelldale ryan sac salamander salem salisbury saltgrass same sand sandel sanders sandhurst sandpiper sandridge sandy sangaree santee satoko sauldam sauna savage savannah sawmill scanlonville schieveling school scotch scotts screen sea seabrook seagate seagull seaside sec secessionville section sedgefield select selkirk sep service seven several sewee shadow shadowmoss shadows shady shaftsbury shahid shallow shannon shasta sheet shell shemwood shepard sherwood shilelagh shire shngl shoofly shop shoreline shores shulerville side siding silver sim simmons singing single sisters site size slanns sm smokerise snee snowden sol solid somerset sound south southern southwind spanish sparks spring springfield springs sprucewood src st stafford stall ste stephen sterling stevens stiles stone stonefield stono stony stratton stream street strg stucco study style subd subdivision sullivans summer summerfield summerhaven summerlin summerset summertree summervale summerville summerwood summit sun sunburst sunny sunset sunview swamp sweetbriar sweetgrass swimng sylcope sylvan sys t table tall tanner taylor td tea teal ten tennis tennyson terrace textarea thanks that the thicket thing this thomas thornley three tidal tiger tilly timberlane timberline timbers timothy tiverton to tolers top town towne townhomes townhouse townhouses township tr trace trade traditional trail tramway tranquil trans trash tree tremont trotters tudor tupelo turn turtle twin type union university uptown utility valign valley value vanderhorst veneer verona very victorian victory view vil villa village villages villas vineyard vinyl vista w wadmalaw wagener wakendaw walk wall walnut walsh walterboro walton wampee wando wappetaw wappoo waring warington warrenton washington watch waterford waterfront waters waterway way waylyn web wedgewood wellesley wescott wespanee west westborough westchester westland westover westwood wetlands wexford wharf what wheatstone when whilden whipper whippoorwill white whitehall whitehouse whitehurst whitemarsh whitesville whitfield wide width wild wildgame wildwood will willow willowbrook wilmor wilsonville windermere winds windsor windswept windwood winnsboro winsor wisboo within wood woodbridge wooded woodhaven woodhill woodington woodlake woodland woodlawn woodlee woods woodside woodview woodward work wraggborough wraggsboro wrap yeamans yelleau yellow yonges you your All Areas Basalt Addition Basalt Proper Beyond Boundary Carbondale Central Core East Aspen Emma Frying Pan Missouri Hts Old Snowmass Red Mountain Redstone/Marble Smuggler Snowmass Vlg Starwood West Aspen West End Woody Creek Other All Property Types Business Opportunity Commercial/Income Condo/Townhouse Duplex/Half Duplex Duplex/Multi-Lot Farm/Ranch Fractional Owners Leasehold Lodge Mobile Home Single Family Single Family Lot Unimproved/Comm Palmer Ranch and Lakewood Ranch provide new homes in luxuriously master planned communities bella colina apopka lake Sarasota, Florida White sugar-sand beaches, sophisticated arts, world-class shopping, five star resorts, country clubs of distinction, legendary fine dining and community events coupled with the areas natural beauty and year-round good weather are just a few reasons that Sarasota ranks among the nations 15 most livable communities, according to Money Magazine. Located on Southwest Florida's Gulf coast, the Sarasota area is a paradise unto its own. a about academy access accessible accommodations acre acres active activities activity add address addresses admire adult afford affordable affording affords after age agenda ago aire airport alike all allows almost along also ambience amenities amid among amp; amply an and another apart apartments appeal appreciate approximately architects architectural architecture are area areas area’s armands arnold around art artists artist’s arts as aside asolo association assortment astute at athletic atmosphere atop attracted author available avante avenue avenues avid award away backdrop backs balances bald ball ballet banking banks barrel bars basketball bay bayfront bayous bayside be beach beaches beachfront beach’s beautiful beautifully beauty become bedroom bee been began being belong belonging beneva bent bertha best better between bicycling big bike biking bird birdie birds blackburn blend blending 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projects promised prompted properties property proportion proposal proposals proposed prosperity protection provides public purchasing purpose purposes pursue push put quality quarterly quest quickly quiet r racing radisson railroad raised ranch ranchers ranches random rapid rapidly rare rate rates rather reach reaches reaching real realtor realtors reasoned recent recently recess records recovery recreation redevelopment referendum reflect regional registry regular regularly regulations rejects relatively religious relocation remain remaining remake reminiscent remote renaissance renamed renowned rental replaced represent representing reputation require residence residences residential residents resort resorts responsibility responsible restaurant restaurants result retail retain retained retains retirees revenue reviews revitalization revitalize rice rides rings rink rising ritzy river riverfront road roads roadways rodeo roller rolls room rooms rules run running rural rush rustic s safeguard said sale salerno sales same satify satisfaction saw sawgrass say saying says scheduled school schools sea seat second section see seem seemingly sell seminole send senior seniors sense separate sept serve service services sessions set sets settle settled settlement settlers seven seventh several shape shares shed sheriff ship shopping shops shores short shuttle side significant signs similar similarities simplicity sinatra single sister site six size skating slated sleepy small so soccer society some someplace something soon sophie sophisticated sophistication sought source south southeastern southwest spa space special specialist specializing species specifies speed spells spending split sports spots sprawling spread spreads spring springs sprout sprouted square srebuilding staff stagnant stands standstill started starts state statement stations stay steeples stemming stepped sterling still stimulate stone stopped stores story streamlet

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a abundant acres addition after agencies agents airport almost along amphitheater and apartments approximately architects are area areas as at atlantic attorney attracting bay beach beaches because bellsouth big blimp boca booms boulevard boynton branches braved breezes briny brokerages brokers broward budget builders building buildings business but buyers buying by caught center central chamber changed chooses cities city clay clerk clubs coconut commerce commercial commission commissioners communities companies condominiums condos construction cooper corporation could county courses courts creek davie day deerfield delray designs develop developers discount districts division does dropped e east eastern efforts electric electric; emergency empty estate family farmers financed fish fishing five fl flagler florida for foreclosed foreclosures form fort fresh from front fsbo gamut gardens gas golf goods goodyear government greater green growing growth had hall harbor has have heated henry here heron high highest hillsboro hires hollywood home homes hotel house houses housing hypoluxo important in ina inc includes incorporated industrial information international intracoastal investment is isles it its lake lakefront lakes land landings lantana largest late lauderdale lauderhill library light lighthouse listing listings little loans location long lots loxahatchee made main malls manager manalapan manors maps marina marinas marine mayor member members mid miles minutes miramar mix mls mortgages mosquitoes move moving multiple named nearly new no non north northeast northern northwest number numbers numerous oakland ocean of off office offices oldest on once one open operates operations ortega outdoor owner palm park parkland parks part pembroke peoples phone pier piers pines plans plantation playgrounds point police policy pompano pool population power priority private properties property public railroad rate raton real realators realaty realestate realitors reality realtors realty recreation relocating relocation rent rentals representing residential residents responsible retirement retiring rise river riverfront royal runs s sale sands schools sea search searching second selection sell sellers selling separate served service sets settle ship shores short single some south southeast southern southwest species sq stagnant started state stopped strip struggling sunrise swamps system tamarac tax teco telephone tennis term the their there they though to tourism townhomes townhouses trim under unlike until utilities vegetable was water waterfront waterways wellington were west western weston wharves which who wide wilton with worth yacht waterway way ways means

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State Adjective Demonym

Alabama Alabamian Alabamians Alaska Alaskan Alaskans Arizona Arizonan Arizonans Arkansas Arkansan Arkansans California Californian Californians Connecticut Connecticut Connecticuters or Nutmeggers Connecticuter or Nutmegger Florida Floridian Floridians Georgia Georgian Georgians Hawaii Hawaiian Hawaiians Idaho Idahoan Idahoans Indiana Indiana Hoosiers Hoosier Illinois Illinoisan Illinoisans Iowa Iowan Iowans Kansas Kansan Kansans Louisiana Louisiana Louisianans or Louisianians Maine Maine Mainers or Down Easters Maryland Maryland Marylanders or Free Staters stater or Old Liners Massachusetts Massachusetts Bay Staters Michigan Michigan Michiganders or Michiganians Minnesota Minnesotan Minnesotans Nebraska Nebraskan Nebraskans New Jersey New Jersey New Jerseyans jerseyan or New Jerseyites New York New York New Yorkers yorker Oklahoma Oklahoman Oklahomans Ohio Ohio Ohioans ohioan Oregon Oregonian Oregonians Pennsylvania Pennsylvanian Pennsylvanians Rhode Island Rhode Island Rhode islander Islanders Texas Texan Texans Utah Utahn, Utahan Utahns, Utahans Vermont Vermont Vermonters Virginia Virginian Virginians Washington Washingtonian Washingtonians West Virginia West Virginian West Virginians Wisconsin Wisconsin Wisconsinite Wyoming Wyoming Wyomingites British Virgin Islander British Virgin Islanders brits brit Canada Canadian Canadians, Canucks France French Frenchman France French Frenchmen Germany German Germans germen Georgia Georgian Georgians Great Britain British Britons Italy Italian Italians Mexico Mexican Mexicans Atlanta, Georgia Atlantan Atlantans Baltimore, Maryland, United States Baltimorean Baltimoreans Baton Rouge, Louisiana Baton Rouge Baton Rougeans apopkan apopkans apopkas apopka's county's countys counties Boston, Massachusetts Boston, Bostonian Bostonians Chicagoans Chicagoan Dallas ??? Dallasites Denver ??? Denverites denverite Detroit, Michigan ??? Detroiters Houston, Texas Houston, Houstonian Houstonians Los Angeles Los Angeles Angelenos New Orleaners ; Yats yat New York City New York New Yorker; Gothamite Knickerbocker New York Citys New York New Yorkers Gothamites Knickerbockers Paris Parisian Parisians miamian miamians Philadelphians Philadelphian Pittsburghers Pittsburgher San Diegans San Diegan San Franciscan San Franciscans Seattleite Seattleites The Bronx ??? Bronxites, Bronxers Brooklyn ??? Brooklynites, Brooklyners Manhattan Manhattanite Manhattanites Queens ??? Queensites Staten Island ??? Staten Islanders Zonian Zonians New Englanders New Englander New England NewEngland countyan countian countians englands england's

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US COUNTIES

Alabama Conecuh, Talladega, Tuskegee, and William B. Bankhead National Forests Alaska Chugach National Forest Tongass National Forest Arizona Apache-Sitgreaves National Forest Coconino National Forest Coronado National Forest Kaibab National Forest Prescott National Forest Tonto National Forest Arkansas Ouachita National Forest Ozark-St. Francis National Forest California Angeles National Forest Cleveland National Forest Eldorado National Forest Inyo National Forest Klamath National Forest Lake Tahoe Basin Management Area Lassen National Forest Los Padres National Forest Mendocino National Forest Modoc National Forest Plumas National Forest San Bernardino National Forest Sequoia National Forest Shasta-Trinity National Forest Sierra National Forest Six Rivers National Forest Stanislaus National Forest Tahoe National Forest Colorado Arapaho National Forest Comanche National Grassland Grand Mesa National Forest Gunnison National Forest Pawnee National Grassland Pike National Forest Rio Grande National Forest Roosevelt National Forest Routt National Forest San Isabel National Forest San Juan National Forest Uncompahgre National Forest White River National Forest Florida Apalachicola, Ocala, and Osceola National Forests Georgia Oconee National Forest Chattahoochee National Forest Idaho Boise National Forest Caribou National Forest Challis National Forest Clearwater National Forest Curlew National Grassland Idaho Panhandle National Forests: Coeur d'Alene, Kaniksu, and St. Joe National Forests Nez Perce National Forest Payette National Forest Salmon National Forest Sawtooth National Forest Targhee National Forest Illinois Midewin National Tallgrass Prairie Shawnee National Forest Indiana Hoosier National Forest Kansas Cimarron National Grassland Kentucky Daniel Boone National Forest Land Between the Lakes National Recreation Area Louisiana Kisatchie National Forest Maine White Mountain National Forest Michigan Hiawatha National Forest Huron-Manistee National Forest Ottawa National Forest Minnesota Chippewa National Forest Superior National Forest Mississippi Bienville, Delta, Desoto, Holly Springs, and Homochitto National Forests Tombigee National Forest Missouri Mark Twain National Forest Montana Beaverhead National Forest Bitterroot National Forest Custer National Forest Deerlodge National Forest Flathead National Forest Gallatin National Forest Helena National Forest Kootenai National Forest Lewis and Clark National Forest Lolo National Forest Nebraska Nebraska National Forests and Grasslands Oglala National Grassland Samuel R. McKelvie National Forest Nevada Humboldt National Forest Toiyabe National Forest New Hampshire White Mountain National Forest New Mexico Carson National Forest Cibola National Forest Gila National Forest Kiowa National Grassland Lincoln National Forest Rita Blanca National Grassland Santa Fe National Forest New York Finger Lakes National Forest North Carolina Croatan, Nantahala, Pisgah, and Uwharrie National Forests North Dakota Dakota Prairie Grasslands Ohio Wayne National Forest Oklahoma Black Kettle & McClellan Creek National Grassslands Ouachita National Forest Oregon Crooked River National Grassland Deschutes National Forest Fremont National Forest Malheur National Forest Mount Hood National Forest Ochoco National Forest Rogue River National Forest Siskiyou National Forest Siuslaw National Forest Umatilla National Forest Umpqua National Forest Wallowa-Whitman National Forest Willamette National Forest Winema National Forest Pennsylvania Allegheny National Forest Puerto Rico Caribbean National Forest South Carolina Francis Marion-Sumter National Forests South Dakota Black Hills National Forest Buffalo Gap National Grassland Dakota Prairie Grasslands Fort Pierre National Grassland Tennessee Cherokee National Forest Land Between the Lakes National Recreation Area Texas Angelina, Davy Crockett, Sabine, Sam Houston, Caddo/LBJ National Forests and Grasslands in Texas Utah Ashley National Forest Dixie National Forest Fishlake National Forest Manti-LaSal National Forest Uinta National Forest Wasatch-Cache National Forest Vermont Green Mountain National Forest Virginia George Washington National Forest Jefferson National Forest Washington Colville National Forest Gifford Pinchot National Forest Mount Baker-Snoqualmie National Forests Okanogan National Forest Olympic National Forest Wenatchee National Forest West Virginia Monongahela National Forest Wisconsin Chequamegon National Forest Nicolet National Forest Wyoming Bighorn National Forest Bridger-Teton National Forest Medicine Bow National Forest Shoshone National Forest Thunder Basin National Grassland

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$ Florida floridas florida's Alachua County Bay County Brevard County Broward County Calhoun County Charlotte County Citrus County Clay County Collier County Columbia County DeSoto County Duval County Escambia County Flagler County Gadsden County Gilchrist County Glades County Hamilton County Hardee County Hendry County Hernando County Highlands County Hillsborough County Indian River County Lake County Lee County Leon County Levy County Manatee County Marion County Martin County Miami-Dade County Monroe County Nassau County North Hillsborough County North Palm Beach County Okaloosa County Okeechobee County Orange County Orlando Metro Area Osceola County Palm Beach County Palm Coast Region Pasco County Pinellas County Polk County Putnam County Santa Rosa County Sarasota County Seminole County South Hillsborough County South Palm Beach County St. Johns County St. Lucie County Suwannee County Tampa Bay Union County Volusia County Walton County Autauga County Baldwin County Barbour County Blount County Calhoun County Cherokee County Coffee County Colbert County Cullman County Dale County Dallas County Dekalb County Elmore County Etowah County Franklin County Houston County Jackson County Jefferson County Lauderdale County Lawrence County Lee County Limestone County Macon County Madison County Marion County Marshall County Mobile County Montgomery County Morgan County Pike County Russell County Shelby County Talladega County Tallapoosa County Tuscaloosa County Walker County Winston County Apache County Cochise County Coconino County Gila County Graham County Greenlee County La Paz County Maricopa-East Valley Maricopa-Metro Phoenix Maricopa-North Phoenix Maricopa-Northeast Valley Maricopa-Northwest Valley Maricopa-West Valley Mohave County Navajo County Pima County Rural Pima-Northeast Tucson Pima-Northwest Tucson Pima-Southeast Tucson Pima-Southwest Tucson Pinal County Santa Cruz County Yavapai County Yuma County Baxter County Benton County Boone County Clark County Columbia County Craighead County Crawford County Crittenden County Faulkner County Greene County Hempstead County Jefferson County Lonoke County Miller County Mississippi County Ouachita County Phillips County Pope County Pulaski County Saline County Sebastian County St. Francis County Union County Washington County White County Inland Empire Los Angeles Metro Sacramento Metro San Diego Metro San Francisco Metro Alameda County Albany County Amador County Antelope Valley LA Butte County Calaveras County Contra Costa County El Dorado County Fresno County Glenn County Humboldt County Imperial County Kern County Kings County Lake County Lassen County Los Angeles County Madera County Marin County Mariposa County Mendocino County Merced County Monterey County Napa County Nevada County Orange County Placer County Plumas County Riverside County Central Riverside County East Riverside County West Sacramento County San Benito County San Bernardino County San Diego Central County Coastal San Diego Central County Inland San Diego County San Diego East County San Diego North County Coastal San Diego North County Inland San Diego South County San Francisco County San Joaquin County San Luis Obispo County San Mateo County Santa Barbara County Santa Clara County Santa Clarita LA Santa Cruz County Shasta County Solano County Sonoma County Stanislaus County Sutter County Tehama County Toulumne County Tulare County Ventura County Yolo County Yuba County Adams County Arapahoe County Boulder County Denver County Denver County South Douglas County Eagle County El Paso County Elbert County Fremont County Jefferson County La Plata County Lake County Larimer County Logan County Mesa County Moffat County Montezuma County Montrose County Morgan County Park County Pitkin County Pueblo County Routt County San Miguel County Summit County Teller County Weld County $ Delaware Fairfield County Hartford County Litchfield County Middlesex County New Haven County New London County Tolland County Windham County Kent County New Castle County Sussex County $ Washington D.C. 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de Iowa de la isla de las islas de Jersey Jacksonville del jose de Kentucky Kansas del knoxville del la de Lafayette del lago de los lagos del lakeside de la tierra de las tierras de los las del lauderdale de la ley del abogado de los abogados que invierte renta industrial intercoastal de la información Info Indianapolis Indiana la India de Infomation del inlaw del seguro del canal del interés del Internet de Inthe en el cazador inmediato de Illinois i de la mejora cómo los homrs del homr de Honolulu del caballo del hotel de los hoteles de la casa de las casas de la cubierta de Houston dirigieron el foresale bloqueado Georgia

las zonas del zoning dividieron el wv de Wyoming en zonas WWW del yate de York del cierre relámpago cero de la zona con el windermere de Wisconsin donde los almacenes del oeste occidentales del almacén de Washington del agua de la línea de costa de la tela que almacenaban Virginia vacante Utah los E.E.U.U. de Virginia de los chaletes del chalet de los vilas del vila de la vecindad de Vermont de los vegas de los valores del valor del valle del vaction de los vactions de las vacaciones

virtuales de las vacaciones nosotros las unidades del upscale unieron la unidad bajo tapa no mejorada subdesarrollada del viaje de los viajes de la ciudad de los townhomes de las casas urbanas de las ciudades del tracy de tulsa tucson del tx a las subdivisiones suburbanas del subprime del suburbio de los suburbios del verano del interruptor de la natación de Tampa del temecula del tenis de Tennessee del término de los términos del hte mil Tejas de las extremidades del título del tn de la habitación circundante de las habitaciones

del SE de la búsqueda del seach de Seattle de la seguridad de la venta del esquí que buscaban de los sitios del sitio del cortocircuito de la orilla de las compras de la tienda de Sevices de los servicios de Sevice del servicio de los seniors pequeños del serch en segundo lugar que el retiro de la revisión retira los alquileres residenciales de la reventa de las reventas de las residencias del recurso reservado de los recursos que alquilan relocalizaciones de alquiler del remortgage del reno

libremente los forclosures forrent de la ejecución de una hipoteca forclosured el forclosure de los apartamentos de los apertments del apertment del uso los amueblados párrafos de los apartamentos del apartamento de los apartaments del apartament rentar appartmen clasificados de los aparments del aparment que el por buscar apartmen angeles y la amortización housese del antonio de los apatments del apatment de los morgates de los brownstones del brownstone de los apertments del apertment de los viviendas de los apartents de los apartmens del casa de los casas del alquiler del condominio de los condominios

Oklahoma Ohio de la vecindad nueva Nebraska de las vecindades de Nevada del nanovatio del nyc de Oakland de los oans de la ocupación del océano del oceanfront del nj del nh del newhome del norte norteño ny de los newhomes cerca de la montaña de mudanza del movimiento de los movimientos Nashville Nápoles mt del mnt múltiple nacional a nivel nacional del ne nc la mayoría de los mls modernos

el sur meridional de los estilos de la subdivisión del estilo de las calles de la calle de los estados del estado del st del punto de los puntos de los resortes de España del espacio secundario de los espacios vendió revisiones estacionales vendedoras mayores del rhode de Richmond del río de la orilla de Rochester del sitio de los cuartos del colorete de Sacramento s de la venta de las ventas de la sal del san del saouth de la sabana del sc de la escuela de las escuelas del scottsdale

Chicago de los chalets del chalet de la central de los castillos de las carreras baratas de Carolina el ca comprando a compradores bungalow de los bungalows del autobús del negocio de los negocios de la compra del comprador construyó los edificios que construían constructores los corredores de Brooklyn del presupuesto de la estructura del constructor biz del blvd del boca de Boston del folleto de los folletos del corredor los mejores banqueros de los bancos del baño de los baños del bastón de mando de la bahía de la playa de las playas del dormitorio de los dormitorios az de Baltimore

Charleston de las ciudades de la ciudad de los classifides de Cleveland del club de los clubs del co de la costa del código de los códigos de COM Columbus Colorado del comerce del comm del commercail del comercio de las comunidades de la comunidad de los communitys de las compañías de la compañía de los comparables del compartimiento de Cincinnati are ares

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