A new manufactured home comes with a vehicle-style title. When the home is permanently attached to land you own, Florida lets you retire that title so the home and land become one piece of real property (s. 319.261, F.S.). Land-home lenders often require this, and it means you sell or refinance home and land together, like a site-built house.
Who qualifies
The owner of a home permanently affixed to land they own, or land held on a recorded lease of 30 years or more. Only HUD-code homes can be retired; park models and modular homes cannot.
Step by step
- Title the home in your name first. If you just bought it, the title must be issued to you, the landowner, before it can be retired.
- Get an RP decal. Ask your county property appraiser to certify the home as real property, then buy the RP (real property) decal from the tax collector for $3. Display it in the lower-left corner of the window closest to the street.
- Record with the Clerk of Court: the original title, the lienholder’s release or statement, the land’s legal description (and lease, if any), and your sworn statement that you own the home and it is permanently affixed.
- Apply to retire the title at the tax collector or tag agency with form HSMV 82109 (one per section for a double or triple wide) and the clerk-recorded copies. There is no fee to retire a title.
After retirement
The home transfers only with the land, by deed, and any loan is secured by the mortgage on the property. Property taxes on the home don’t change because of retirement.
Moving the home later
You would apply for a new title (HSMV 82040) with an affidavit from all owners and lienholders consenting to removal and a title-company certification dated within 10 days.
TLH Homes and our lending partner walk land-home buyers through these steps at closing. See land-home financing.
Sources: s. 319.261 · FLHSMV procedure TL-39 · HSMV 82109 · s. 320.0815 RP decal. Checked October 2026. This is general information, not insurance, legal or financial advice.