2025 Session Last amended: 2008 session

§ 510.05 — Limitations

Plain-Language Summary

Lists the types of claims that are not blocked by the homestead exemption. The exemption does not protect against lawful mortgages, tax liens, state care facility claims under section 246.53 or 256B.15, mechanic's liens for labor or materials, or attorney's liens obtained under section 481.13 with a valid waiver.

510.05 LIMITATIONS.

The amount of the homestead exemption shall not be reduced by and shall not extend to any mortgage lawfully obtained thereon, to any valid lien for taxes or assessments, to a claim filed pursuant to section 246.53 or 256B.15, to any charge arising under the laws relating to laborers or material suppliers’ liens or to any charge obtained under section 481.13 pursuant to a valid waiver of the homestead exemption.

History:

(8340) RL s 3456; 1982 c 621 s 1; 1982 c 641 art 1 s 18; 1986 c 444; 2007 c 105 s 3; 2007 c 106 s 12; 2008 c 341 art 5 s 2

History: History: (8340) RL s 3456; 1982 c 621 s 1; 1982 c 641 art 1 s 18; 1986 c 444; 2007 c 105 s 3; 2007 c 106 s 12; 2008 c 341 art 5 s 2

Practical Notes

Even though your home is exempt from most creditors, it is still subject to your mortgage, property taxes, mechanic’s liens for work done on the property, certain government care facility claims, and attorney’s liens where you waived the exemption. Understanding these exceptions is critical when assessing asset protection.

Source: Minnesota Office of the Revisor of Statutes