In a Special Warranty Deed, the covenants against encumbrances apply to which period?

In a Special Warranty Deed, the covenants against encumbrances apply to which period?

• A. The entire history of property ownership
• B. Only encumbrances not recorded
• C. The time the grantor owned the property
• D. After the grantor's death

Answer: (C)

The main idea is that covenants against encumbrances in a Special Warranty Deed are limited to the period the grantor owned the property. The grantor is promising there were no encumbrances created by them during their ownership, and that any encumbrances in effect at the time of conveyance were already of record. They do not guarantee against encumbrances that arose before the grantor’s ownership, nor against anything that happens after the grantor’s ownership ends. This is why the correct period is the time the grantor owned the property.

The main idea is that covenants against encumbrances in a Special Warranty Deed are limited to the period the grantor owned the property. The grantor is promising there were no encumbrances created by them during their ownership, and that any encumbrances in effect at the time of conveyance were already of record. They do not guarantee against encumbrances that arose before the grantor’s ownership, nor against anything that happens after the grantor’s ownership ends. This is why the correct period is the time the grantor owned the property.