Foreclosure in Saint Paul>Question Details

Sheba, Home Seller in North Branch, MN

what can i take from a foreclosed house in mn?

Asked by Sheba, North Branch, MN Fri Mar 12, 2010

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I would consider the central air unit a fixture to the home and therefore the property of the lien holder. I would strongly caution you to speak to an attorney if this is something that you might be considering. You could be opening yourself up to additional liability from the foreclosing lien holder.

Cameron Piper
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0 votes Thank Flag Link Sun Jul 18, 2010
It looks like this is an old question with new answers but here's my .02 -

You can take everything that is personal belongings. You CANNOT remove light fixtures, AC Units, Plumbing fixtures, electrical ceiling fans, etc. If you do remove items that are "fixtures" you can be liable to the mortgage holder / foreclosure lender.

Best be cautious and check with your attorney.

Best of luck,

Thom Colby
Broker / Owner & Certified HAFA Specialist
Thom Colby Properties
Newport Beach, CA
Moving Lives Forward (TM)
We NEVER DOUBLE-END a Transaction in our Brokerage. It is never beneficial to the Seller or to the Buyer and it is only beneficial to the Agent.
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0 votes Thank Flag Link Sun Jul 18, 2010
Can you take a central air unit?
0 votes Thank Flag Link Sun Jul 18, 2010
I would be careful about suggesting taking fixtures. We have seen a couple of cases where the owners were later charged.

Kind of like the smart attorney who bought a box of expensive rare cigars and insured them. He then smoked them and claimed that they had been destroyed in a fire. Insurance company paid the claim.

And then charged him with arson :>)
0 votes Thank Flag Link Fri Mar 12, 2010
If it has gone through foreclosure anything that is not attached to the home. If it is in the process anything you want the whole house is yours until the bank has a finalized foreclosure, hell if there was a way you could pick the house up, take it away and they could not do anything, but remember no matter what you are responsible for that loan, yes a mortgage is a loan and you are liable even if there is no house there.
Seriously it is best to work with the bank they may just decide not to come after you for the deficiency many aren't because they know it is a waist of time.
0 votes Thank Flag Link Fri Mar 12, 2010
Yes, I'm confused. Is this your house that's being foreclosed upon? If so, you can take all of your stuff that's not built-in. If it's built in, you have to leave it. Don't take copper plumbing or light fixtures either.

If it's not your house, you can't take anything! :)
0 votes Thank Flag Link Fri Mar 12, 2010
Basically you can take what is not considered fixtures or things attached to the house. As mentioned this can mean some appliances but not others (ie built-ins).

You might want to give us a clarification on what you are thinking of taking. Otherwise this is kind of subjective.
0 votes Thank Flag Link Fri Mar 12, 2010
If it is your home, you can take your personal property.
0 votes Thank Flag Link Fri Mar 12, 2010
What do you mean? Is your house being foreclosed? If its your house you are able to take your personal belongings and private property which does include some appliances. If you are just viewing a foreclosed home and their is garbage in it you are not allowed to take that.
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0 votes Thank Flag Link Fri Mar 12, 2010
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