If you own a mobile home in Arkansas, it is important to understand the laws and regulations that apply to your property. Arkansas has specific laws that govern mobile homes, and knowing these laws can help you avoid legal problems and ensure that your home is protected.
In this article, we will discuss what Arkansas mobile home owners need to know about their property, including laws and regulations, insurance requirements, and more.
Living in a Mobile Home in Arkansas
If you’re considering living in a mobile home in Arkansas, it’s important to understand the pros and cons of this type of housing, as well as the advantages and disadvantages of living in the state.
Buying a Mobile Home in Arkansas
If you’re considering buying a mobile home in Arkansas, there are a few things you should know.
Mobile homes, also known as manufactured homes, can be an affordable option for home ownership. Here are some important factors to consider before making your purchase.
Where to Buy Mobile Homes
There are several options for purchasing a mobile home in Arkansas. You can buy a new mobile home from a dealer or manufacturer, or you can purchase a used mobile home from a private seller or a mobile home park.
You can also find mobile homes for sale on real estate websites like Zillow or Trulia.
Sales Tax on Mobile Homes
In Arkansas, there is a sales tax on the purchase of a new or used mobile home. The sales tax rate varies depending on the county you’re purchasing the home in.
You can check the Arkansas Department of Finance and Administration website for the current sales tax rates.
Property Tax on Mobile Homes
Mobile homes are subject to property tax in Arkansas. The property tax rate is based on the value of the mobile home and the location of the home.
You can check with your county assessor’s office for more information on property tax rates.
To give you an idea of what to expect, here’s an example of the property tax rates for a mobile home in Pulaski County, Arkansas:
| Value of Mobile Home | Property Tax Rate |
|---|---|
| $10,000 | $74.50 |
| $25,000 | $186.25 |
| $50,000 | $372.50 |
Financing a Mobile Home
Financing a mobile home is similar to financing a traditional home. You’ll need to have a down payment, good credit, and a steady income. Some lenders specialize in mobile home financing, so it’s a good idea to shop around for the best rates and terms.
Mobile homes come in different sizes and styles, from single-wide to double-wide to triple-wide. You can find affordable options as well as high-end mobile homes with all the bells and whistles.
When buying a mobile home, make sure you understand the terms of the purchase agreement and any fees associated with the transaction.
Remodeling and Maintenance of Mobile Homes in Arkansas
If you own a mobile home in Arkansas, it’s essential to maintain and remodel your home regularly to keep it in good condition. In this section, we will cover some important aspects of remodeling and maintenance of mobile homes in Arkansas.
1. Permits for Remodeling
Before you start any remodeling project, you should check if you need a permit.
You can contact the Arkansas Department of Health to check if your remodeling project requires a permit.
Some common remodeling projects that require permits include electrical work, plumbing, and structural changes. Make sure you have all the necessary permits before starting any remodeling project.
2. Finding Mobile Home Contractors
Finding a reliable contractor for your mobile home remodeling project can be challenging.
You can start by checking with the Arkansas Manufactured Housing Association for a list of licensed contractors.
You can also check websites like Angie’s List, HomeAdvisor, or Thumbtack to find contractors in your area.
Make sure to read reviews and check their licenses and insurance before hiring a contractor.
3. Mobile Home Parts and Furniture
When it comes to purchasing parts and furniture for your mobile home, you can check with local mobile home parts stores or online retailers like Mobile Home Depot or Mobile Home Parts Store.
You can find a wide range of parts and furniture for your mobile home, including doors, windows, skirting, and more.
Make sure to measure your mobile home before purchasing any parts or furniture to ensure a proper fit.
4. Mobile Home Appliances
When it comes to purchasing appliances for your mobile home, you should consider the size and type of appliance you need.
You can check with local appliance stores or online retailers like Best Buy or Home Depot for a wide range of appliances for your mobile home.
Make sure to measure your space before purchasing any appliance to ensure a proper fit.
In conclusion, maintaining and remodeling your mobile home in Arkansas is essential to keep it in good condition
. Make sure to check for permits, hire a reliable contractor, purchase the right parts and furniture, and choose the right appliances for your mobile home.
By following these tips, you can ensure that your mobile home is in good condition and provides a comfortable living space for you and your family.
Financing and Insurance for Mobile Homes in Arkansas
If you are a mobile home owner in Arkansas, it is important to understand your financing and insurance options. Here are some things you should know:
Mobile Home Lenders
When looking for a lender to finance your mobile home, it is important to find one that specializes in mobile home financing.
Some lenders may not offer financing for mobile homes, or may not be familiar with the unique requirements of mobile home loans.
Here are some mobile home lenders in Arkansas that you may want to consider:
| Lender | Website |
|---|---|
| 21st Mortgage | https://www.21stmortgage.com/ |
| Vanderbilt Mortgage | https://www.vmf.com/ |
| Triad Financial Services | https://www.triadfs.com/ |
Mobile Home Financing
Mobile home financing can be more complicated than financing a traditional site-built home.
Mobile homes are considered personal property, and financing options may differ depending on whether the home is new or used.
Here are some things to consider when financing your mobile home:
1. Down Payment
You may be required to make a larger down payment on a mobile home than on a traditional home.
2. Interest Rates
Interest rates on mobile home loans may be higher than on traditional home loans.
3. Loan Terms
Loan terms for mobile homes may be shorter than for traditional homes.
Mobile Home Insurance
Mobile home insurance is a specific type of homeowners policy designed to cover the unique risks associated with mobile and manufactured homes.
It is important to have adequate insurance coverage to protect your investment.
Here are some things to consider when purchasing mobile home insurance:
1. Coverage
Make sure your policy covers damage to your home, as well as liability and personal property coverage.
2. Deductible
Consider how much you can afford to pay out of pocket in the event of a claim when choosing your deductible.
3. Discounts
Some insurance companies offer discounts for things like multiple policies or security features on your home.
Here are some mobile home insurance providers in Arkansas that you may want to consider:
| Provider | Website |
|---|---|
| Trusted Choice | https://www.trustedchoice.com/l/arkansas/mobile-home-insurance/ |
| Kin Insurance | https://www.kin.com/mobile-home-insurance/arkansas/ |
| Campbell & Co | https://campbellco.cc/personal-insurance/mobile-home-insurance |
Mobile Home Parks in Arkansas
If you own a mobile home in Arkansas, you’ll need to find a mobile home park to live in.
Here’s what you need to know about finding, renting, and regulations for mobile home parks in Arkansas.
Finding Mobile Home Parks
There are many mobile home parks in Arkansas, so you’ll have plenty of options to choose from.
You can search for mobile home parks online at websites like MHVillage and MobileHome.net.
You can also check with local real estate agents and property managers to see if they know of any mobile home parks in the area.
When you’re looking for a mobile home park, consider factors like location, amenities, lot rent, and the type of mobile homes allowed.
Some mobile home parks only allow certain types of mobile homes, like single-wide or double-wide homes. Others may have restrictions on the age of the mobile homes allowed in the park.
Renting in Mobile Home Parks
When you rent a space in a mobile home park, you’ll typically pay lot rent to the park owner.
Lot rent covers the cost of maintaining the park, like mowing the grass and repairing common areas.
The amount of lot rent you’ll pay will depend on the park and the location of your space within the park.
Before you rent a space in a mobile home park, make sure you read the lease agreement carefully.
The lease should outline the terms and conditions of your tenancy, including the amount of lot rent, any rules or regulations you’ll need to follow, and how much notice you’ll need to give if you decide to move out.
Regulations for Mobile Home Parks
Mobile home parks in Arkansas are regulated by the Arkansas Department of Health. The department sets standards for things like sewer connections, water supply, and electrical systems in mobile home parks.
If you’re considering buying a mobile home and placing it in a mobile home park, make sure the park is in compliance with all regulations.
You can check with the Arkansas Department of Health to see if the park has any violations or complaints on file.
In addition to state regulations, some mobile home parks may have their own rules and regulations.
These may cover things like parking, noise, and the appearance of your mobile home. Make sure you understand all the rules before you sign a lease agreement.
Overall, mobile home parks in Arkansas can be a great option for affordable housing. Just make sure you do your research and understand all the terms and conditions before you sign a lease agreement.
Moving and Removing Mobile Homes in Arkansas
If you own a mobile home in Arkansas, you may need to move it to another location or remove it entirely. Here’s what you need to know about moving and removing mobile homes in Arkansas.
Mobile Home Movers
If you need to move your mobile home, you should hire a professional mobile home moving company.
In Arkansas, mobile homes that exceed 14 feet 6 inches in width must be accompanied by two escort vehicles. One escort vehicle should precede the mobile home, and one should follow it. The Permit Section may assign additional escorts as noted in Rule 6.E.
The cost of moving a mobile home varies depending on the distance and the size of the home. To move a single-wide mobile home using a full-service moving service and the same distance of up to 60 miles will cost about $3,000-$5,000.
Full-service moves include the disconnect, reconnect, and transport services. To move a double-wide mobile home will cost $4,000-$10,000. For triple-wide, expect to pay $10,000-$14,000 or more.
Removing a Mobile Home
If you need to remove your mobile home entirely, you should contact a professional mobile home removal company.
Mobile homes that are permanently affixed to a foundation on property that is owned by the owner of the mobile home shall be deemed real property for the purposes of the creation of the lien and the foreclosure of the lien.
Mobile home removal companies will typically dismantle the home and dispose of it properly.
The cost of removing a mobile home varies depending on the size of the home and the amount of work required.
Some mobile home removal companies may also offer salvage services, where they will remove the home and pay you for any salvageable materials.
Here’s a summary of what you need to know about moving and removing mobile homes in Arkansas:
| Mobile Home Moving | Mobile Home Removal |
|---|---|
| Hire a professional mobile home moving company | Contact a professional mobile home removal company |
| Mobile homes that exceed 14 feet 6 inches in width must be accompanied by two escort vehicles | Mobile homes that are permanently affixed to a foundation on property that is owned by the owner of the mobile home shall be deemed real property for the purposes of the creation of the lien and the foreclosure of the lien |
| The cost of moving a mobile home varies depending on the distance and the size of the home | The cost of removing a mobile home varies depending on the size of the home and the amount of work required |
| Single-wide mobile home move costs about $3,000-$5,000 | Some mobile home removal companies may also offer salvage services |
| Double-wide mobile home move costs about $4,000-$10,000 | |
| Triple-wide mobile home move costs about $10,000-$14,000 or more |
Complaints and Regulations for Mobile Homes in Arkansas
If you own a mobile home in Arkansas, it’s important to know the regulations and procedures for filing a complaint or making changes to your property.
Here are some key sub-sections to help you understand the rules and guidelines:
Filing a Complaint
If you have a complaint about your mobile home or its installation, you can file a complaint with the Arkansas Manufactured Home Commission.
You can find the complaint form on their website and submit it online or by mail. The commission will investigate the complaint and take appropriate action if necessary.
Mobile Home Registration
All mobile homes in Arkansas must be registered with the Arkansas Department of Finance and Administration.
You can register your mobile home by visiting their website or by visiting your local revenue office. You will need to provide proof of ownership and pay a registration fee.
Detitling a Mobile Home
If you want to permanently affix your mobile home to a foundation and convert it to real estate, you will need to detitle it.
This process involves surrendering the title to the Arkansas Department of Finance and Administration and obtaining a property deed. You can find more information about detitling on their website.
Building Codes for Mobile Homes
Mobile homes in Arkansas are subject to building codes set by the Arkansas Manufactured Home Commission.
These codes cover everything from the construction and installation of the home to its electrical and plumbing systems.
It’s important to ensure that any changes or additions to your mobile home meet these codes to ensure your safety and compliance.
Zoning for Mobile Homes
Zoning laws vary by city and county in Arkansas, so it’s important to check with your local government to ensure that your mobile home is in compliance with local zoning laws.
Some areas may have restrictions on where mobile homes can be placed, so it’s important to do your research before making any changes to your property.
By understanding the regulations and procedures for mobile homes in Arkansas, you can ensure that your property is in compliance with the law and avoid any potential issues.
Conclusion
Owning a mobile home in Arkansas can be an affordable way to achieve homeownership, but it’s important to be aware of the unique considerations that come with it.
Mobile homes require different maintenance and may not appreciate in value as much as site-built homes.
Surrendering the title to the state Department of Finance and Administration is required if you plan to affix your mobile home to real estate.
Living in a mobile home community may involve navigating issues like lot rent, maintenance, and community disputes.
By staying informed and proactive, you can enjoy a positive and rewarding experience as a mobile home owner in Arkansas.
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