Mobile Home Zoning Regulations

If I bought a land, then move my mobile home to that land? is it legal?humm.. does mobile home has to be in a mobile home community?

2 Answers

Yes, in many cases you can move a mobile home onto land that you own for residential purposes.  You will need to check with your municipality to determine applicable zoning and land use laws for your area. 

A mobile home does not need to be in a community, and typically land in these communities are rented, not owned.  Something to understand about mobile homes, is that once affixed to land, they are not considered real property, but personal property.  Mobile homes will come with a DMV certificate of title, just like a vehicle. 

Another consideration will be set up and financing.  You will need to have the mobile home installed on the site according to FHA regulations, which may match your local zoning regulations for concrete pad, tie-downs, electrical/water/sewer connections.  You need to consult with your building and zoning officer and a real estate attorney in your area that is knowledgeable about mobile homes.

There are several issues with your question:

1.  How will financing play a part?    Answer:  Many lenders currently require equity or money down into virtually ANY deal that requires financing.  If you own the land currently, any equity will work.  Also, if you currently own the mobile home and are moving it AGAIN (it has been moved from the dealers lot previously), you could be completely shut out from financing.  An underwriter once answered this question by explaining that a mobile home is constructed and made to be moved - once, not twice.  The stresses on the structure by moving it more than once can breach the integrity of the overall structure.  So....make sure you are talking with a professional that is experienced with mobile home and land transactions

2.  Is it legal...does it have to be in a mobile home community?  Answer:  Legality depends on your own city/county regulations, and further, any covenants or restrictions for a particular neighborhood.  A good title search from a title/escrow company (or real estate attorney...depending on your state) will reveal several restrictions.  In general, the further out from city limits you are, the fewer restrictions.

Good Luck and hope this helps!