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New YorkS 71202025-2026 Regular SessionSenateWALLET

Relates to manufactured homes certificate of title and the conveyance and encumbrance of manufactured homes as real property

Sponsored By: Sean Ryan (Democratic)

Signed by Governor

TRANSPORTATIONJUDICIARY

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Bill Overview

Analyzed Economic Effects

6 provisions identified: 3 benefits, 1 costs, 2 mixed.

Manufactured homes can become real estate

New York lets manufactured homes become real property when attached to permanent foundations and connected to a residential utility. Home and land ownership must match, or owners need a recordable land lease and the landowner’s written consent. Every owner must sign and record a sworn affidavit identifying the home, land, ownership, and designated motor-vehicle department filer. Conversion requires department acceptance; applications delivered within 30 days of affidavit recording and later accepted make conversion effective on that recording date. Once converted, the home transfers by deed with the land, and land mortgages and liens attach from the affidavit’s recording date.

Manufactured-home owners keep key legal protections

The motor-vehicle department cannot suspend or revoke a home’s title solely because it is attached, subject to statutory exceptions. An existing title still serves as evidence of its stated facts after attachment. Conversion preserves existing legal rights, sale warranties, and warranty claims; it does not create a new warranty. People receiving origin certificates or titles for a home sale or loan must hold them in trust for the sender. Lien-release documents must be held in trust for the lienholder.

Public records track manufactured-home conversions

County recording officers record and index affixation affidavits, then return recorded originals to designated filers for motor-vehicle department submission. The department must keep conversion records indefinitely and provide electronic public access. Records cover affidavits, surrendered origin certificates and titles, and accepted conversion applications, including home identification and recording details. The law’s substantive provisions take effect one year after enactment. Agencies can adopt implementing regulations immediately.

Existing manufactured-home liens still bind owners

Attaching a home or recording an affixation affidavit does not erase a legally protected title-based security interest. A security interest listed on the title ranks ahead of later claims, except for specified state-law exceptions. While such an interest remains, the motor-vehicle department generally cannot file the affidavit, revoke the title, or issue another title. The title-based interest ends when the department accepts the title-surrender application and lien release. Title-based rules govern until conversion is completed; afterward, real-property rules govern security interests.

Home affixation costs $200, avoids taxes

Owners pay $200 each time they record a manufactured-home affixation affidavit. Filing the affidavit triggers neither transfer tax nor mortgage recording tax. Mortgage recording tax also does not apply to manufactured-home liens created under state vehicle and traffic law. These exemptions do not establish a tax exemption for later home sales or real-estate mortgages.

Home conversion paths limit future titles

Owners can apply to surrender a manufacturer’s certificate of origin or title for homes on, or intended for, permanent foundations. Applications require ownership, home, lien, and recorded affidavit information; title surrender also requires release of the specified liens and security interests. Owners without either document, including after a diligent search, can seek conversion confirmation using purchase history and known title facts. Confirmation also requires a sworn statement about liens and title issues from a qualified New York attorney or title-insurance agent. After review and acceptance, the department cancels surrendered documents, updates records, and gives written acknowledgment on request; it cannot issue a title after the required affixation filing.

Sponsors & Cosponsors

Sponsor

  • Sean Ryan

    Democratic • Senate

Cosponsors

  • Christopher Ryan

    Democratic • Senate

  • Pamela Helming

    Republican • Senate

Roll Call Votes

All Roll Calls

Yes: 220 • No: 0

House vote • 6/11/2025

Assembly floor vote

Yes: 146 • No: 0

Senate vote • 5/6/2025

FLOOR Vote

Yes: 61 • No: 0

committee vote • 4/29/2025

Transportation Committee Vote

Yes: 13 • No: 0

Actions Timeline

  1. SIGNED CHAP.636

    12/12/2025Senate

  2. DELIVERED TO GOVERNOR

    12/8/2025Senate

  3. RETURNED TO SENATE

    6/11/2025House

  4. PASSED ASSEMBLY

    6/11/2025House

  5. ORDERED TO THIRD READING RULES CAL.630

    6/11/2025House

  6. SUBSTITUTED FOR A7512

    6/11/2025House

  7. REFERRED TO JUDICIARY

    5/6/2025House

  8. DELIVERED TO ASSEMBLY

    5/6/2025Senate

  9. PASSED SENATE

    5/6/2025Senate

  10. ADVANCED TO THIRD READING

    5/1/2025Senate

  11. 2ND REPORT CAL.

    4/30/2025Senate

  12. 1ST REPORT CAL.785

    4/29/2025Senate

  13. REFERRED TO TRANSPORTATION

    4/1/2025Senate

Bill Text

  • Original

    4/1/2025

    PDF

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