A property encumbrance is any legal claim, restriction, or obligation attached to real estate—such as a mortgage, lien, easement, or covenant—that can limit how the owner uses the property or affect its sale or value. It “runs with” the property, meaning it may remain in place even if the property is sold to someone else.
An IRS lien is a legal claim the government places on your property when you don’t pay federal tax debt after the IRS assesses it and sends a notice and demand for payment. It attaches to real estate, personal property, and financial assets, making it harder to sell or refinance until the debt is resolved.
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A mechanic’s lien is a legal claim filed against real property to secure payment for unpaid construction labor or materials. Contractors, subcontractors, and suppliers use it to protect their right to get paid and can potentially force a sale if the debt isn’t resolved. This article explains how mechanic’s liens work, key deadlines, and options
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