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Property DescriptionHARD20% of exam

A property has deed restrictions that prohibit any structure over 35 feet in height, even though local zoning allows 50-foot buildings. Which restriction applies?

Correct Answer

B) The deed restriction because it is more restrictive

When both zoning and deed restrictions apply to a property, the more restrictive limitation governs. The 35-foot deed restriction is more limiting than the 50-foot zoning allowance.

Answer Options
A
The zoning restriction because it is government regulation
B
The deed restriction because it is more restrictive
C
Whichever restriction was established first
D
The property owner can choose which to follow

Why This Is the Correct Answer

Option B is correct because the legal principle governing overlapping restrictions is that the most restrictive limitation takes precedence. The deed restriction limiting height to 35 feet is more restrictive than the zoning allowance of 50 feet, so the 35-foot limit controls. This rule applies regardless of whether the restriction comes from private covenants or public regulations - whichever is more limiting governs the property's development potential.

Why the Other Options Are Wrong

Option A: The zoning restriction because it is government regulation

Option A is incorrect because government regulations do not automatically override private restrictions simply by virtue of being government-imposed. While zoning is indeed a government regulation, it does not take precedence over more restrictive private deed restrictions. The determining factor is which restriction is more limiting, not the source of the restriction.

Option C: Whichever restriction was established first

Option C is incorrect because the chronological order of when restrictions were established is irrelevant to determining which applies. The controlling principle is which restriction is more restrictive, not which came first. A newer, more restrictive limitation can supersede an older, less restrictive one, and vice versa.

Option D: The property owner can choose which to follow

Option D is incorrect because property owners cannot simply choose which restriction to follow when multiple limitations apply. Property owners are legally bound to comply with the most restrictive limitation, regardless of their preference. Allowing owners to choose would undermine the entire system of property restrictions and land use controls.

Most Restrictive Rules

Remember 'MRR' - Most Restrictive Rules. Think of it like speed limits: if you're on a road with both a 35 mph city limit and a 25 mph school zone sign, you must follow the 25 mph limit (most restrictive). Same with property - follow the tightest restriction.

How to use: When you see any question about conflicting restrictions (zoning vs. deed restrictions, multiple covenants, etc.), immediately think 'MRR' and identify which limitation is most restrictive. Don't get distracted by which is government vs. private or which came first.

Exam Tip

Look for key phrases like 'more restrictive,' 'more limiting,' or 'stricter' in both questions and answer choices. These often signal the correct approach to restriction conflicts.

Common Mistakes to Avoid

  • -Assuming government restrictions always override private ones
  • -Thinking the first restriction established takes precedence
  • -Believing property owners can choose which restriction to follow

Concept Deep Dive

Analysis

This question tests understanding of the hierarchy of property restrictions and how multiple limitations interact. When a property is subject to both public restrictions (zoning) and private restrictions (deed restrictions, covenants), the fundamental rule is that the most restrictive limitation controls. This principle ensures that all applicable restrictions are honored and prevents conflicts between different types of property controls. The concept is crucial for appraisers because it directly affects the highest and best use analysis and property valuation.

Background Knowledge

Property restrictions come from two main sources: public restrictions (zoning, building codes, environmental regulations) imposed by government entities, and private restrictions (deed restrictions, covenants, easements) created by previous owners or developers. When multiple restrictions apply to the same property aspect, the most restrictive limitation controls, ensuring all applicable restrictions are satisfied.

Real-World Application

In appraisal practice, this affects highest and best use analysis significantly. An appraiser must research all applicable restrictions - zoning, deed restrictions, HOA covenants, environmental limitations - and apply the most restrictive to determine what can actually be built. This directly impacts property value and development potential.

deed restrictionszoningmost restrictiveprivate restrictionspublic restrictionshighest and best use

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