January 16, 2025

Did you pay off your home and think you own it?

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Welcome to your Should we get this changed?

Let me tell you a story of why homeownership as we know it is conditional.

"Meet John. For decades, he sacrificed luxuries, worked overtime, and lived frugally to make payments on his dream home. After 30 long years, he finally sent in his last mortgage payment and received the deed. Standing proudly on his front lawn, John smiled, believing he now truly owned his home. But does he? Think again.

Even with the mortgage paid off, John's ownership isn't absolute. Why? Because the government holds a claim on his property through property taxes. Every year, John must pay those taxes just to keep living in the home he worked so hard to buy. It’s an unending obligation. If he misses those payments, the government can impose penalties, place a lien on the property, and even seize and auction it off—regardless of how much he’s already paid.

This reveals a harsh truth: homeownership as we know it is conditional. The reality is that the government remains a silent partner in every piece of property, exercising its authority through property taxes, zoning laws, and eminent domain. These mechanisms ensure that no one truly owns land or property in the purest sense; instead, ownership is conditional upon perpetual compliance and payment.

What does this mean for John? It means his dream of freedom through homeownership is, in part, an illusion. While he may no longer owe a bank, he will always owe the government, and the risk of losing his home never fully disappears. This system benefits public services—funding schools, roads, and emergency responders—but it also keeps true ownership out of reach for individuals.

If John wants greater security over his property, he must take proactive steps. Filing a homestead declaration can protect against certain creditors. Setting up a trust can shield the property from some risks. But no matter what he does, property taxes and government authority will always linger in the background, reminding him that ownership is never absolute."

What's an Allodail title and how do I get one?

Allodial title is a legal term referring to absolute ownership of real property that is free from any obligations or encumbrances, such as taxes, liens, or mortgages. It represents the most complete form of property ownership and is rarely granted in modern legal systems.

Key Points About Allodial Title:

  1. True Sovereign Ownership:
    • Under allodial title, the owner has full sovereignty over the property, meaning no authority, including governments, can impose restrictions, taxes, or obligations on the property.
  2. Historical Context:
    • The concept dates back to feudal Europe, where land ownership was hierarchical. Allodial ownership was held by sovereigns, while others held land under feudal obligations.
    • It was later incorporated into common law systems, but its practical application diminished over time.
  3. Modern Context:
    • In the United States, most property ownership is fee simple, not allodial. Fee simple gives owners extensive rights but still subjects them to property taxes, zoning laws, and eminent domain.
    • A few jurisdictions, like Nevada, have statutes allowing certain types of property to be held allodially, but achieving allodial title is rare and often impractical.
  4. Process of Obtaining Allodial Title:
    • Some proponents claim you can convert property into allodial title through legal processes, payment of debts, and sovereignty declarations, but this is often legally dubious or not recognized by courts.
  5. Implications:
    • Allodial title eliminates obligations to pay property taxes or comply with some governmental regulations.
    • However, it does not shield property from federal laws or disputes over ownership.
  6. Limitations:
    • In practice, true allodial title is rarely recognized in modern legal systems, as governments rely on property taxes for revenue.
    • Claims of allodial title can lead to legal complications, especially if pursued through unrecognized or pseudo-legal methods.

If you're considering issues related to property rights or exploring allodial title, consulting with a property attorney is highly recommended to ensure clarity and compliance with local laws.

 

How to do it:

Attaining allodial title for property in modern legal systems, including in Washington State, is virtually impossible because property ownership in the United States operates under a fee simple system, not an allodial one. This means property taxes, zoning regulations, and government authority (such as eminent domain) remain in effect. However, there are ways to increase your control over property and minimize external claims. Below is an explanation and steps you can take to better secure your property rights:


Step-by-Step: Exploring Property Control Options

While achieving allodial title may not be feasible, here are the steps to maximize property control:


Step 1: Pay Off Any Liens or Mortgages

  • Ensure your property is fully paid off. Allodial title requires absolute ownership with no liens, mortgages, or other encumbrances.

Step 2: Confirm Legal Ownership (Fee Simple)

  • Ensure your deed is recorded correctly with the local county assessor’s office in Stanwood, WA (Snohomish County). This establishes your name as the owner of the property.

Step 3: Understand Local Property Tax Obligations

  • Research whether any states offer an allodial title designation. Currently, Nevada is one of the few that has provisions for allodial title, but this is typically only for large parcels of land and involves paying a lump sum equivalent to decades of property taxes.
  • Washington does not offer allodial title, so property taxes will always apply unless there is a significant change in state law.

Step 4: Minimize Tax Burden

  • Apply for any available property tax exemptions in Washington (e.g., senior citizen, disabled veteran, or agricultural exemptions). Contact the Snohomish County Assessor's Office for guidance.
  • This step reduces your financial obligations while maintaining ownership rights.

Step 5: Homestead Declaration

  • File a homestead declaration for your property in Washington. Although this does not create allodial title, it provides certain protections from creditors under state law.
  • Contact your local courthouse or the Snohomish County Assessor’s Office for the homestead exemption process.

Step 6: Set Up a Trust

  • Place your property into a living trust or irrevocable trust to increase control and reduce potential claims or liabilities. This can offer significant legal protections.
  • Consult an estate planning attorney to set up the trust and ensure it complies with Washington State laws.

Step 7: Research Legal Frameworks

  • Keep up-to-date with legal and legislative changes in Washington that might affect property ownership rights.
  • You may join property rights advocacy groups to lobby for more comprehensive ownership frameworks.

Step 8: Avoid Pseudo-Legal Methods

  • Be cautious about claims from individuals or groups promoting schemes to obtain allodial title through alternative methods. These are often not legally recognized and can result in legal disputes.

Summary

True allodial title is not an option under Washington State law. However, by taking steps such as paying off your property, filing a homestead declaration, minimizing taxes, and potentially placing the property in a trust, you can achieve greater security and control over your property.

For more information or assistance, consult a property or real estate attorney familiar with Washington State law.

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