If you’re a mobile home owner in Minnesota, there are some important things you should know.
First and foremost, it’s essential to understand the laws that govern mobile homes in Minnesota.
These laws can be complex, and they can vary depending on whether your mobile home is considered real estate or personal property.
Where Can You Buy Mobile Homes In Minnesota?
If you are looking to buy a mobile home in Minnesota, there are several options available to you. One of the best places to start your search is online.
There are many websites that specialize in mobile home sales, such as Zillow, Realtor.com, and MHVillage.
These websites have a wide selection of mobile homes for sale in Minnesota, and you can browse through them at your own pace.
Another option is to visit a mobile home dealership in person. There are many dealerships located throughout Minnesota, and they typically have a large selection of mobile homes available for purchase.
You can find a list of dealerships in your area by visiting the Minnesota Manufactured Housing Association website.
When buying a mobile home, it is important to do your research and compare prices and features. Make sure to ask the seller about the home’s history, including any repairs or renovations that have been made.
You should also have the home inspected by a professional to ensure that it is in good condition.
| Name | Location | Website |
|---|---|---|
| South East Minnesota Realty, Inc | Hayfield, MN | https://www.zillow.com/mn/mobile/ |
| Bill Hansen Realty/Walker | Akeley, MN | https://www.zillow.com/mn/mobile/ |
| 320 Real Estate Co | New Prague, MN | https://www.realtor.com/realestateandhomes-search/Minnesota/type-mfd-mobile-home |
Taxes on Mobile Homes in Minnesota
If you own a mobile home in Minnesota, you should be aware of the taxes you may be required to pay.
There are two types of taxes that may apply to mobile homes in Minnesota: sales tax and property tax.
Sales Tax
When you purchase a new or used mobile home in Minnesota, you will need to pay sales tax on the purchase price.
The sales tax rate in Minnesota is currently 6.875%. If you purchase a new mobile home, the sales tax will be calculated based on the purchase price of the home.
If you purchase a used mobile home, the sales tax will be based on the purchase price or the fair market value of the home, whichever is higher.
Property Tax
Mobile homes in Minnesota are subject to property tax just like traditional homes.
However, the way property tax is calculated for mobile homes is different.
Mobile homes that are classified as personal property are taxed in the same way as other personal property, such as cars or boats. T
he tax is based on the value of the home and is due annually.
If your mobile home is classified as real property, it will be taxed in the same way as traditional homes.
The tax is based on the value of the land and the home and is due annually.
It is important to note that if you own the land your mobile home is on, you will be responsible for paying property tax on both the land and the home.
If you rent the land your mobile home is on, you will only be responsible for paying property tax on the home.
Mobile home owners in Minnesota may be eligible for a property tax refund.
To qualify for the refund, you must meet certain income requirements and file a Property Tax Refund Return (Form M1PR) with the Minnesota Department of Revenue.
Overall, it is important to understand the taxes that may apply to your mobile home in Minnesota.
By staying informed and up-to-date on your tax obligations, you can avoid penalties and ensure that you are paying the correct amount of taxes.
Where Can You Buy Mobile Home Parts In Minnesota?
If you own a mobile home in Minnesota, you may need to buy parts or supplies to keep it in good condition.
Fortunately, there are several options for purchasing mobile home parts in Minnesota.
One option is to visit a local mobile home parts and supplies store. You can find a list of providers by city at mobilehomeparkstore.com.
Another option is American Mobile Home Supply, which has been in the industry for over 20 years and offers affordable solutions for everyone.
You can also find mobile home parts and supplies online. MHVillage offers a variety of products for repairs and upgrades, including plumbing supplies and deck and patio materials.
Another online option is Mobile Home Parts Store, which offers a wide selection of parts and accessories, as well as a layaway option for certain products.
If you’re not sure which parts or supplies you need, you can contact a licensed dealer or the Minnesota Department of Labor and Industry for information and guidance.
| Provider | Website |
|---|---|
| Mobile Home Park Store | mobilehomeparkstore.com |
| American Mobile Home Supply | americansupplyandairproducts.com |
| MHVillage | mhvillage.com |
| Mobile Home Parts Store | mobilehomepartsstore.com |
| Minnesota Department of Labor and Industry | dli.mn.gov |
Remodeling a Mobile Home in Minnesota
If you own a mobile home in Minnesota and want to remodel it, there are a few things you should know.
Before you start any work, it’s important to check with your local building department to see if you need any permits.
Permits
According to the Minnesota Department of Labor and Industry, any additions or alterations to a mobile home require a permit.
This includes adding a porch, deck, or garage, as well as installing a new furnace or water heater. Failure to obtain the necessary permits can result in fines and legal issues.
It’s important to note that different cities and counties may have different permit requirements, so be sure to check with your local building department to make sure you’re following all the rules and regulations.
Contractors
When it comes to hiring a contractor for your mobile home remodel, it’s important to find someone who is licensed and insured.
The Attorney General of Minnesota recommends getting at least three quotes from different contractors and checking their references before making a decision.
It’s also a good idea to have a written contract that outlines the scope of work, the timeline, and the payment schedule.
This can help protect you in case there are any disputes or issues that arise during the remodel.
| Task | Completed? |
|---|---|
| Checked contractor’s license | |
| Checked contractor’s insurance | |
| Received at least three quotes | |
| Checked contractor’s references | |
| Received a written contract |
Remember, remodeling a mobile home can be a great way to update and improve your living space.
But it’s important to do your research and follow all the necessary rules and regulations to ensure a successful and legal remodel.
Mobile Home Movers in Minnesota
If you need to move your mobile home in Minnesota, it’s important to choose a reputable and experienced mobile home mover to ensure a smooth and stress-free process. Here are some things you should know:
| Company | Website | Phone Number |
|---|---|---|
| JW Mobile Home Movers | https://jwmobilehomemovers.com/s/mn/mobile-home-movers | (612) 328-5244 |
| Woodlund Homes | https://woodlundhomes.com/mobile-home-transporter.html | (218) 326-0371 |
These are just a couple of the many mobile home movers available in Minnesota.
When choosing a mover, be sure to ask for references and check their credentials with the Minnesota Department of Transportation.
You should also get a written estimate that includes all costs, such as permits, transportation, and setup.
Keep in mind that the cost of moving a mobile home can vary depending on factors such as the distance of the move, the size of the home, and any obstacles that may need to be overcome.
According to MHVillage, average mobile home moving costs will typically range from $3,000 to $10,000 or more.
It’s also important to note that Minnesota law provides certain protections for mobile home park residents and park owners.
For more information, you can refer to the Attorney General of Minnesota’s Manufactured Home Parks Handbook.
Mobile Home Insurance in Minnesota
If you own a mobile home in Minnesota, it is important to have the right insurance coverage to protect your investment.
Mobile home insurance can help cover damages caused by fire, theft, vandalism, and other covered perils. It can also provide liability coverage in case someone is injured on your property.
According to The Motley Fool, the average cost of mobile home insurance in Minnesota can range from $300 to $1,000 annually.
The cost of your insurance policy will depend on several factors, including the value of your mobile home, the level of coverage you choose, and your deductible.
To find the right mobile home insurance policy for your needs, it is important to work with an independent insurance agent.
An agent can help you compare quotes from multiple insurance providers and choose a policy that fits your budget and provides the coverage you need.
| Factors to Consider When Choosing Mobile Home Insurance in Minnesota |
|---|
| Cost |
| Coverage |
| Premiums vs. Deductibles |
| Exclusions |
When choosing a mobile home insurance policy in Minnesota, it is important to consider factors such as cost, coverage, premiums vs. deductibles, and exclusions. Be sure to review your policy carefully to understand what is covered and what is not.
If you own a mobile home but do not own the land it is on, it is important to have the proper type of insurance coverage.
The building itself should be covered by mobile home insurance, while the landowner should have their own coverage for the land the home sits upon, according to Ganyo Agency Insurance.
Mobile Home Lenders in Minnesota
Financing
If you’re looking to purchase a mobile home in Minnesota, you’ll need to find a lender that specializes in mobile home financing.
Fortunately, there are several lenders in Minnesota that offer financing options for mobile homes.
One lender to consider is JCF Lending Group, which offers financing for both new and used mobile homes.
They specialize in home-only loans, which means they provide financing for homes that are not attached to real property by way of deed or title.
You can visit their website at chattelmortgage.net to learn more about their financing options.
Another lender to consider is Mountainside Financial, which works with a variety of lenders to guarantee the widest variety of Minnesota mobile home loan programs at the lowest rates possible.
They also offer mobile home park loans, which can help you pay off your loan much quicker than you normally would. You can visit their website at mountainsidefinancial.com to learn more about their financing options.
Table of Mobile Home Lenders in Minnesota
Here’s a table of some of the top mobile home lenders in Minnesota, along with their website URLs:
| Lender | Website |
|---|---|
| JCF Lending Group | chattelmortgage.net |
| Mountainside Financial | mountainsidefinancial.com |
| 21st Mortgage Corporation | 21stmortgage.com |
| Triad Financial Services | triadfs.com |
Keep in mind that this is not an exhaustive list, and there may be other lenders in Minnesota that offer mobile home financing.
It’s important to do your research and compare lenders to find the best financing option for your needs.
Costs Associated with Mobile Homes in Minnesota
Preparing Land
Before you can place a mobile home on your land, you will need to prepare the site.
This can include clearing trees and brush, leveling the ground, and installing a foundation.
The cost of preparing land for a mobile home can vary widely depending on the condition of the site and the specific requirements for your home.
You may also need to obtain permits from your local government before you can begin preparing your land.
These permits can add to the overall cost of the project. Make sure to research the requirements in your area before beginning any work.
Removing a Mobile Home
If you need to remove a mobile home from your property, you will need to factor in the cost of demolition and disposal.
Depending on the size and condition of the home, this can be a significant expense.
You may also need to obtain a permit for demolition from your local government. Make sure to research the requirements in your area before beginning any work.
| Costs Associated with Mobile Homes in Minnesota | Price Range |
|---|---|
| Preparing Land | $2,000 – $10,000 |
| Removing a Mobile Home | $3,000 – $10,000 |
Keep in mind that these costs are just estimates and can vary widely depending on your specific situation.
It’s important to do your research and get multiple quotes from contractors before making any decisions.
Additionally, mobile homes may have other costs associated with them, such as utilities, insurance, and maintenance.
Make sure to factor in all of these costs when considering purchasing or owning a mobile home in Minnesota.
Furnishing a Mobile Home in Minnesota
When it comes to furnishing your mobile home in Minnesota, there are a few things to keep in mind.
This section will cover furniture and appliance options that are suitable for mobile homes.
Furniture
When choosing furniture for your mobile home, consider the size and weight of the items.
Mobile homes have smaller rooms and narrower doorways than traditional homes, so it’s important to choose furniture that fits the space.
Look for furniture that is lightweight and easy to move, such as folding chairs and tables, modular sofas, and collapsible bookcases.
You may also want to consider furniture that serves multiple purposes, such as a sofa bed or ottoman with storage. This can help you maximize your space and make the most of your furniture.
| Furniture Type | Recommended Brands |
|---|---|
| Sofas and Chairs | Ashley Furniture, La-Z-Boy, Ikea |
| Dining Tables and Chairs | Target, Wayfair, Overstock |
| Bedroom Furniture | Amazon, Walmart, Ikea |
Appliances
When it comes to appliances for your mobile home, you’ll want to look for models that are designed for smaller spaces.
Compact appliances are ideal for mobile homes, as they take up less room and use less energy than their full-sized counterparts.
Some popular options for mobile home appliances include apartment-sized refrigerators, compact washers and dryers, and small dishwashers.
You may also want to consider energy-efficient models, which can help you save money on your utility bills.
| Appliance Type | Recommended Brands |
|---|---|
| Refrigerators | Haier, Danby, Summit Appliance |
| Washers and Dryers | Panda, Magic Chef, GE |
| Dishwashers | Bosch, Whirlpool, GE |
Mobile Home Parks in Minnesota
If you are a mobile home owner in Minnesota, it is important to understand the laws and regulations that apply to mobile home parks.
Mobile home parks are communities where mobile homes are parked on lots owned by the park owner. Here is what you need to know:
Location
Mobile home parks in Minnesota are regulated by state and local laws.
The park must be located in an area that is properly zoned for this type of use. The park must also comply with all applicable health and safety codes.
Restrictions
Mobile home park owners may impose certain restrictions on residents, such as restrictions on the age of the mobile home or the number of occupants.
However, these restrictions must comply with state and federal fair housing laws. The park owner may also require residents to maintain their mobile homes and lots in a clean and safe condition.
Rent Increases
Mobile home park owners may increase the rent charged to residents, but there are limits on how much and how often they can do so.
In Minnesota, park owners must give residents at least 90 days’ notice before raising the rent, and the increase cannot be more than 6% per year.
However, if the park owner has made capital improvements to the park, they may be able to increase the rent by a larger amount.
Mobile Home Park Regulations
Mobile home parks in Minnesota must comply with a variety of regulations.
For example, the park must be well-drained and have an adequate supply of safe water.
The park owner must ensure that homes are properly placed within the park, and the lots are divided correctly.
The park owner is also responsible for maintaining common areas, such as roads and sidewalks.
Mobile Home Park Ownership
If you are considering purchasing a mobile home in a park, it is important to understand your rights and responsibilities as a homeowner.
You will own your mobile home, but you will be renting the lot on which it sits. You will be responsible for maintaining your mobile home, while the park owner will be responsible for maintaining the common areas.
If you decide to sell your mobile home, you may need to obtain the park owner’s approval before doing so.
| Entity | Website URL |
|---|---|
| Minnesota Department of Health | https://www.health.state.mn.us/communities/environment/mhprca/index.html |
| Minnesota Attorney General | https://www.ag.state.mn.us/Consumer/Handbooks/HomeParks/default.asp |
| LawHelp Minnesota | https://www.lawhelpmn.org/self-help-library/housing/mobile-homes |
Mobile Home Registration in Minnesota
If you own a mobile home in Minnesota, it must be registered with the state. This is done through the Minnesota Department of Public Safety Driver and Vehicle Services Division (DVS).
Detitling a Mobile Home
If you plan to permanently remove your mobile home from the state of Minnesota, you may want to consider detitling it. This means that the mobile home will no longer be registered with the state and you will no longer be responsible for paying annual registration fees.
To detitle your mobile home, you will need to complete a Detitle Application (PS2000) and submit it to the DVS. You will also need to provide proof that the mobile home has been removed from the state, such as a bill of sale or a statement from a licensed mobile home transporter.
Transfer of Title
If you sell your mobile home, you will need to transfer the title to the new owner. To do this, you will need to complete a Title Transfer Application (PS2004) and submit it to the DVS.
You will also need to provide the new owner with a Bill of Sale and a copy of the current registration certificate. The new owner will need to pay the appropriate fees to register the mobile home in their name.
| Mobile Home Age | Registration Fee |
|---|---|
| Less than 20 years old | $35 |
| 20 years old or older | $11 |
Keep in mind that mobile homes that are located in a mobile home park may be subject to additional fees and regulations. It’s important to check with your park manager or local government to ensure that you are in compliance with all applicable laws and regulations.
Zoning Laws for Mobile Homes in Minnesota
If you are a mobile home owner in Minnesota, it is important to understand the zoning laws that apply to your property. This section will cover the main points you need to know about land zoning and planning permission for mobile homes in Minnesota.
Land Zoning
The first thing you need to know is that mobile homes are classified as “manufactured homes” under Minnesota law. This means that they are subject to the same zoning laws as other types of housing. In general, you cannot place a mobile home on a piece of land that is not zoned for residential use.
Before you purchase a piece of land for your mobile home, you should check with the local zoning authority to make sure that it is zoned for residential use.
You should also find out if there are any specific requirements for manufactured homes, such as minimum lot size or setback requirements.
It is important to note that some cities and towns in Minnesota have banned or severely restricted the placement of mobile homes within their boundaries.
If you are considering purchasing a mobile home, you should research the zoning laws in your area to make sure that you can legally place a mobile home on your property.
Planning Permission
In addition to land zoning, you may also need to obtain planning permission before you can place a mobile home on a piece of land.
Planning permission is required in some areas to ensure that the placement of the home complies with local regulations, including zoning laws and building codes.
If you are planning to place a mobile home on a piece of land, you should contact the local planning authority to find out if you need to obtain planning permission.
The planning authority will be able to provide you with information about the requirements for obtaining planning permission, as well as any fees that may be associated with the process.
| Zoning Requirement | Description |
|---|---|
| Residential Zoning | Mobile homes can only be placed on land that is zoned for residential use. |
| Setback Requirements | Manufactured homes must be set back a certain distance from property lines and other structures. |
| Lot Size | Some areas require a minimum lot size for manufactured homes. |
| Building Codes | Manufactured homes must comply with state and local building codes. |
Overall, it is important to do your research and understand the zoning laws and regulations that apply to your mobile home in Minnesota.
By following the rules and obtaining any necessary permits, you can ensure that your home is placed legally and safely.
Conclusion
Remember that owning a mobile home in Minnesota can be a rewarding and affordable option for many people.
By staying informed and taking the necessary steps to protect yourself and your investment, you can enjoy many years of comfortable and secure living in your mobile home.
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