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Elena recorded a Declaration of Homestead on her primary residence in Quincy, Massachusetts five years ago. She has since moved to a new home in Braintree, Massachusetts, which she now occupies as her primary residence. She has not recorded a new Declaration of Homestead on the Braintree property. What is the homestead protection status of each property?

Correct Answer

D) The Quincy home has no homestead protection; the Braintree home has $125,000 automatic protection

Under MGL Chapter 188, homestead protection applies only to a primary residence. When Elena moved to Braintree, the Quincy property ceased to be her primary residence, and the declared homestead protection on that property terminated. The Braintree home, as her new primary residence, receives $125,000 in automatic homestead protection by operation of law. Since Elena has not recorded a new Declaration of Homestead in Braintree, she does not have the higher $500,000 declared protection there.

Answer Options
A
The Quincy home has $125,000 automatic protection; the Braintree home has $500,000 declared protection
B
Both properties have $500,000 declared protection because the original declaration transfers automatically
C
The Quincy home retains $500,000 declared protection; the Braintree home has no protection
D
The Quincy home has no homestead protection; the Braintree home has $125,000 automatic protection

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Related Topics & Key Terms

Key Terms:

homesteadprimary_residencemgl_chapter_188change_of_residencetermination_of_homestead

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