OT hoosier mobile home tax problems

can a mobile home be taxed as real property in a normal situation?
normally, the mobile home taxes are separate from real property taxes but a mortguage company had it all merged as real property.
can this be changed to separate the mobile home taxes from the property taxes?
the home is not on a permanent foundation, it still has a frame to transport, its sitting on no pads, not tied down, according to definition, its not a permanent structure, but its being taxed as real property.
we purchased the home with signed title, only with intention of moving it to a new site, but alas, problems arisen. we couldnt transfer title at bmv cause of tax release permit to transfer. so we went to assesors office to pay the home taxes n obtain the transfer permit. no go cause the former mortguage comapny got it all listed as real property.
no liens on the home, but they refuse to let me pay the taxes on the home itself. i dont think thats legal and its written in the codes for the definition of a mobile home.
are we up the creek without a paddle?
help. t

You need a GOOD lawyer. Who ever sold you the home sold it illegally.

Like Greg_Ky said, you need a lawyer. Doing any of the things you have tried so far could result in serious problems. These things are different from state to state.

Every state handles things differently, but assuming you bought the mobile home and not the property, you should be able to go to the assessors office with your paperwork and get it straightened out. Here you get that type of problem straightened out at the assessor's office then go to the collector's office to pay. If you cannot get that done you may have to go back to the seller and tell them if they don't get it corrected or a refund you plan to file fraud charges.

I have no legal training, just have learned how things normally get done from experience. Some good, some bad.

Ok, more info, theres no liens on the titled home or property by the mortguage company, only property taxes are behind. if the taxes were done the way the codes read, the county should have went out n assesed to property for determinate the definition of the home. the land is in tax property defualt, but the home was attached to real property tax due to the one place one payment mortguage the former owner had. those r paid off, but she passed on n we didnt think about it clearly. we purchased the home n been living there, then we decided to transfer the title, n found out this problem. this is not a case of adverse possesion, its a case of where the former owner had the bills all paid n sold us the mobile home so we would own it, and be able to move it. but since she had no kin, it went into tax defualt on the property taxes, which by definition by te code, the home should never have been attached to the real property taxes. am i off here?

You need to talk to local attorney, we are all speculating.

Taxes vary from state to state you need to check your local area for info not all states are the same.

Don't know about Indiana,but in Michigan they're taxed as real property.

Here in Ky. When we did our's the title on the home became null and void. Like I said in the first post GET a LAWYER, the way you explain it the tax assessor is in possession of everything that is listed on the property title, including the home. It will most likely be sold on the courthouse steps in the near future.

Here in Michigan we own a dozen lots--1 to 10 acres. Folks own their own mobile and rent the lots from us. We pay property taxes on the land and the mobile home owner pays PERSONAL property tax on the mobile.. Mobiles on leased land....

Talk to a lawyer.

You can "eliminate" the title in Washington, and have the whole shebang taxed as real estate. And it sounds like the lady used to have a mortgage on the property, and a mortgage company would insist on eliminating the title, so the mobile couldn't be sold off separately.

But what troubles me here is that you say you "purchased the home with a signed title." If title was eliminated, part of the procedure should have been her turning in the title, so she wouldn't have it available to sell. Maybe she told DMV that the title was lost, and just kept it.

All that being said, I'll urge you to get a lawyer familiar with the procedure, as the others have. Having a case resolved by a bunch of tractor jockeys is dicey, at best. Also check with the title issuing agency if the process can be "unwound"- mobiles do fall into disrepair, and need to be removed from the real estate- and they have a process here to do that.

title was clear, she did not put the home up for collateral in the statement for the loan. gave a property decription but home was not on the land decription. talked to another county, and was told that mobile homes, on temporary foundations are personal property not real property.

At one time, mobile homes in Indiana were considered personal property and taxed as such. Then if you owned the land, they became like a house, part of the property.

No idea why, buy the law recently changed and now back to personal property.

I am surprised a bank would lend a dime on a mobile home, especially a used one.

Many times insurance companies won't insure them either, unless you had coverage when the trailer was new. American modern will.

Not sure when, but Area Planning in Vigo county, Terre Haute, In, basically put an end to single wide mobile homes, by requiring them to be put in a trailer park.

If you have a trailer that is 25 years old, you can't do a thing with it. Area planning won't give you a permit to even move it legally, even if you wanted to give it away to a homeless person unless you can prove you have upgraded the electrical, windows, siding and it meets Area Planning and the building inspector's code.

Double wides can be set up in some areas of town, but on a foundation.

Single wides are ABSOLUTELY WORTHLESS. Same things is happening in Florida. Once a trailer or double wide is set up, good luck getting permits to move it. A real bad idea to buy one period. And if you own on like my mother did, She lost 65% of her investment in 10 years buying a new double wide in a retirement park in Florida where she was paying close to $600 rent.

Well, you can't say I didn't try to help. . .

That's a new one on me. Must not be anything like that going on here in the township.