Final answer:
An encumbrance on title to real property refers to any claim, lien, or liability that affects the property and restricts the owner's ability to use or transfer it. Examples of encumbrances include easements, deed restrictions, and liens.
Step-by-step explanation:
An encumbrance on title to real property refers to any claim, lien, or liability that affects the property and restricts the owner's ability to use or transfer it. It is important to note that an encumbrance does not include a premises clause in the deed, which is a provision that defines the boundaries and description of the property in the deed.
Examples of encumbrances on title to real property include:
- Easement: This is a right to use the property of another for specific purposes, such as accessing a neighboring property.
- Deed restriction: These are restrictions imposed by the owner of the property on its use, such as limiting the type of buildings that can be constructed.
- Lien: A lien is a legal claim on the property to secure payment of a debt, such as a mortgage or a tax lien.