encumbrance

Definition

Any claim, lien, or liability attached to a property that affects its title or value. Think of it as baggage, except instead of emotional issues, it's tax liens and utility easements.

Example Usage

The title search revealed three encumbrances, including a mechanics lien from 2015 that nobody bothered to resolve.

Origin

From Old French 'encombrer' meaning to block or hinder

Fun Fact

Some encumbrances, like historic preservation restrictions, can prevent you from changing your own house color—freedom with asterisks.

Source: Real estate law and title terminology

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pocket commission

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