• Townhomes:  
  • What about town home legal aspects?
  • In a town home unit, the owners own the "bricks and sticks" and the "dirt" under the unit. It is very similar to a lot and block, detached home, except a town home unit may have one or more walls and a roof in common ownership with one or more other unit owners. Many times, a town home unit owner will not be responsible for maintenance of the exterior of the unit. This is determined by the declaration or deed restrictions applicable to the project and should be reviewed by the lender as part of the underwriting process. The legal description will be a metes and bounds description unless the town home units are platted as lots, in which case the legal description will be by lot and block.
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