Section § 704.910

Explanation

This California law section defines key terms related to a declared homestead. A 'declared homestead' refers to a dwelling officially described in a homestead declaration. The 'declared homestead owner' includes anyone with an ownership interest in the homestead named in the declaration, as well as declarants from before July 1, 1983, and their spouses. 'Dwelling' means almost any real property interest except short-term leases and certain trust interests. A 'homestead declaration' covers both newer and older recorded homestead declarations. The term 'spouse' is defined as per another section specifically mentioned.

As used in this article:
(a)CA Civil Procedure Code § 704.910(a) “Declared homestead” means the dwelling described in a homestead declaration.
(b)CA Civil Procedure Code § 704.910(b) “Declared homestead owner” includes both of the following:
(1)CA Civil Procedure Code § 704.910(b)(1) The owner of an interest in the declared homestead who is named as a declared homestead owner in a homestead declaration recorded pursuant to this article.
(2)CA Civil Procedure Code § 704.910(b)(2) The declarant named in a declaration of homestead recorded prior to July 1, 1983, pursuant to former Title 5 (commencing with Section 1237) of Part 4 of Division 2 of the Civil Code and the spouse of such declarant.
(c)CA Civil Procedure Code § 704.910(c) “Dwelling” means any interest in real property (whether present or future, vested or contingent, legal or equitable) that is a “dwelling” as defined in Section 704.710, but does not include a leasehold estate with an unexpired term of less than two years or the interest of the beneficiary of a trust.
(d)CA Civil Procedure Code § 704.910(d) “Homestead declaration” includes both of the following:
(1)CA Civil Procedure Code § 704.910(d)(1) A homestead declaration recorded pursuant to this article.
(2)CA Civil Procedure Code § 704.910(d)(2) A declaration of homestead recorded prior to July 1, 1983, pursuant to former Title 5 (commencing with former Section 1237) of Part 4 of Division 2 of the Civil Code.
(e)CA Civil Procedure Code § 704.910(e) “Spouse” means a “spouse” as defined in Section 704.710.

Section § 704.920

Explanation

If you live in a home you own, or your spouse does, you can make it an official homestead. To do this, you need to file a form called a homestead declaration at the county recorder's office where the house is. Once filed, your home is considered a declared homestead.

A dwelling in which an owner or spouse of an owner resides may be selected as a declared homestead pursuant to this article by recording a homestead declaration in the office of the county recorder of the county where the dwelling is located. From and after the time of recording, the dwelling is a declared homestead for the purposes of this article.

Section § 704.930

Explanation

This law section explains what needs to be included in a homestead declaration. It requires the names of the owners, a description of the property, and confirmation that it is their main home. The declaration needs to be signed and acknowledged like a property document by either the owner, their spouse, or someone authorized to act for them, like a guardian or someone with power of attorney. The person signing must confirm that the information is true and state their authority if they are not the owner or spouse.

(a)CA Civil Procedure Code § 704.930(a) A homestead declaration recorded pursuant to this article shall contain all of the following:
(1)CA Civil Procedure Code § 704.930(a)(1) The name of the declared homestead owner. Spouses both may be named as declared homestead owners in the same homestead declaration if each owns an interest in the dwelling selected as the declared homestead.
(2)CA Civil Procedure Code § 704.930(a)(2) A description of the declared homestead.
(3)CA Civil Procedure Code § 704.930(a)(3) A statement that the declared homestead is the principal dwelling of the declared homestead owner or such person’s spouse, and that the declared homestead owner or such person’s spouse resides in the declared homestead on the date the homestead declaration is recorded.
(b)CA Civil Procedure Code § 704.930(b) The homestead declaration shall be executed and acknowledged in the manner of an acknowledgment of a conveyance of real property by at least one of the following persons:
(1)CA Civil Procedure Code § 704.930(b)(1) The declared homestead owner.
(2)CA Civil Procedure Code § 704.930(b)(2) The spouse of the declared homestead owner.
(3)CA Civil Procedure Code § 704.930(b)(3) The guardian or conservator of the person or estate of either of the persons listed in paragraph (1) or (2). The guardian or conservator may execute, acknowledge, and record a homestead declaration without the need to obtain court authorization.
(4)CA Civil Procedure Code § 704.930(b)(4) A person acting under a power of attorney or otherwise authorized to act on behalf of a person listed in paragraph (1) or (2).
(c)CA Civil Procedure Code § 704.930(c) The homestead declaration shall include a statement that the facts stated in the homestead declaration are known to be true as of the personal knowledge of the person executing and acknowledging the homestead declaration. If the homestead declaration is executed and acknowledged by a person listed in paragraph (3) or (4) of subdivision (b), it shall also contain a statement that the person has authority to so act on behalf of the declared homestead owner or the spouse of the declared homestead owner and the source of the person’s authority.

Section § 704.940

Explanation

This law says that if you officially declare your home as a homestead, it doesn’t stop you from selling or putting a mortgage on it. When recorded correctly, this declaration serves as initial proof of what it claims and even acts as absolute proof for honest buyers or lenders who pay fairly.

A homestead declaration does not restrict or limit any right to convey or encumber the declared homestead. A homestead declaration, when properly recorded, is prima facie evidence of the facts therein stated, and conclusive evidence thereof in favor of a purchaser or encumbrancer in good faith and for a valuable consideration.

Section § 704.950

Explanation

This law explains when a judgment lien can or cannot attach to a homestead (a person's primary residence). If someone has declared their homestead in legal paperwork before a judgment lien is filed, the lien can't attach to the home unless it's for things like support payments (child, family, or spousal). Even if a judgment lien is filed, it only applies to any value left after all other liens and a specific homestead exemption amount have been deducted.

(a)CA Civil Procedure Code § 704.950(a) Except as provided in subdivisions (b) and (c), a judgment lien on real property created pursuant to Article 2 (commencing with Section 697.310) of Chapter 2 does not attach to a declared homestead if both of the following requirements are satisfied:
(1)CA Civil Procedure Code § 704.950(a)(1) A homestead declaration describing the declared homestead was recorded prior to the time the abstract or certified copy of the judgment was recorded to create the judgment lien.
(2)CA Civil Procedure Code § 704.950(a)(2) The homestead declaration names the judgment debtor or the spouse of the judgment debtor as a declared homestead owner.
(b)CA Civil Procedure Code § 704.950(b) This section does not apply to a judgment lien created under Section 697.320 by recording a certified copy of a judgment for child, family, or spousal support.
(c)CA Civil Procedure Code § 704.950(c) A judgment lien attaches to a declared homestead in the amount of any surplus over the total of the following:
(1)CA Civil Procedure Code § 704.950(c)(1) All liens and encumbrances on the declared homestead at the time the abstract of judgment or certified copy of the judgment is recorded to create the judgment lien.
(2)CA Civil Procedure Code § 704.950(c)(2) The homestead exemption set forth in Section 704.730.

Section § 704.960

Explanation

If you sell your home, the money you make from the sale is protected from creditors for six months. If you use this money to buy another home within those six months, you can declare the new place as your homestead. This needs to be done by filing a homestead declaration within the six-month period, and it will be as if you declared it at the time you did for your previous home.

(a)CA Civil Procedure Code § 704.960(a) If a declared homestead is voluntarily sold, the proceeds of sale are exempt in the amount provided by Section 704.730 for a period of six months after the date of sale.
(b)CA Civil Procedure Code § 704.960(b) If the proceeds of a declared homestead are invested in a new dwelling within six months after the date of a voluntary sale or within six months after proceeds of an execution sale or of insurance or other indemnification for damage or destruction are received, the new dwelling may be selected as a declared homestead by recording a homestead declaration within the applicable six-month period. In such case, the homestead declaration has the same effect as if it had been recorded at the time the prior homestead declaration was recorded.

Section § 704.965

Explanation

This law explains how the amount of a property owner's homestead exemption is calculated if there's a change in the law. If you recorded your homestead claim before the law was updated to increase the exemption amount, you might qualify for the larger exemption. However, if someone has already put a lien on your property before the law change, you don't get the increased exemption; you stick with the old amount.

If a homestead declaration is recorded prior to the operative date of an amendment to Section 704.730 which increases the amount of the homestead exemption, the amount of the exemption for the purposes of subdivision (c) of Section 704.950 and Section 704.960 is the increased amount, except that, if the judgment creditor obtained a lien on the declared homestead prior to the operative date of the amendment to Section 704.730, the exemption for the purposes of subdivision (c) of Section 704.950 and Section 704.960 shall be determined as if that amendment to Section 704.730 had not been enacted.

Section § 704.970

Explanation

This law says that whether you've officially declared your home as a homestead or not, it doesn't change someone's ability to seize your property if they have a legal order to collect a debt. If someone is trying to take your house to pay off a debt, they have to follow specific rules laid out in another part of the law. Both the person who owes money and the person owed have certain rights under those rules.

Whether or not a homestead declaration has been recorded:
(a)CA Civil Procedure Code § 704.970(a) Nothing in this article affects the right of levy pursuant to a writ of execution.
(b)CA Civil Procedure Code § 704.970(b) Any levy pursuant to a writ of execution on a dwelling (as defined in Section 704.710) and the sale pursuant thereto shall be made in compliance with Article 4 (commencing with Section 704.710) and the judgment debtor and the judgment creditor shall have all the rights and benefits provided by that article.

Section § 704.980

Explanation

You can give up your declared homestead by filing a declaration of abandonment. This needs to be done in the same way you would transfer ownership of real property, and it must be signed by the homestead owner or someone authorized to act for them. If someone else signs on behalf of the owner, they need to say they have the authority and explain why. This declaration only affects the ownership of the person who signs it, not anyone else who might have rights to the property.

(a)CA Civil Procedure Code § 704.980(a) A declared homestead may be abandoned by a declaration of abandonment under this section, whether the homestead declaration was recorded pursuant to this article or pursuant to former Title 5 (commencing with former Section 1237) of Part 4 of Division 2 of the Civil Code.
(b)CA Civil Procedure Code § 704.980(b) A declaration of abandonment shall be executed and acknowledged in the manner of an acknowledgment of a conveyance of real property. It shall be executed and acknowledged by a declared homestead owner or by a person authorized to act on behalf of a declared homestead owner. If it is executed and acknowledged by a person authorized to act on behalf of a declared homestead owner, the declaration shall contain a statement that the person has authority to act on behalf of the declared homestead owner and the source of the person’s authority.
(c)CA Civil Procedure Code § 704.980(c) The declaration of abandonment does not affect the declared homestead of any person other than the declared homestead owner named in the declaration of abandonment.

Section § 704.990

Explanation

This law explains how a declared homestead can be considered abandoned if the owner or someone acting for them files a new homestead declaration on a different property. However, if the new declaration includes parts of the property from the previous homestead, and the old one is still valid, it won't count as abandonment of the previous homestead.

(a)CA Civil Procedure Code § 704.990(a) A declared homestead is abandoned by operation of law as to a declared homestead owner if the declared homestead owner or a person authorized to act on behalf of the declared homestead owner executes, acknowledges, and records a new homestead declaration for the declared homestead owner on different property. An abandonment under this subdivision does not affect the declared homestead of any person other than the declared homestead owner named in the new homestead declaration.
(b)CA Civil Procedure Code § 704.990(b) Notwithstanding subdivision (a), if a homestead declaration is recorded which includes property described in a previously recorded homestead declaration, to the extent that the prior homestead declaration is still valid, the new homestead declaration shall not be considered an abandonment of the prior declared homestead.

Section § 704.995

Explanation

This law ensures that if a person with a declared homestead dies, the protection from creditors continues for their main home as long as certain family members, like a surviving spouse or family member, inherit the property. This protection applies no matter who owned the home with the deceased or if the inheriting family members were not declared owners before the death. The specific exemption amount is figured using another law section, 704.730, based on the situation when needed.

(a)CA Civil Procedure Code § 704.995(a) The protection of the declared homestead from any creditor having an attachment lien, execution lien, or judgment lien on the dwelling continues after the death of the declared homestead owner if, at the time of the death, the dwelling was the principal dwelling of one or more of the following persons to whom all or part of the interest of the deceased declared homestead owner passes:
(1)CA Civil Procedure Code § 704.995(a)(1) The surviving spouse of the decedent.
(2)CA Civil Procedure Code § 704.995(a)(2) A member of the family of the decedent.
(b)CA Civil Procedure Code § 704.995(b) The protection of the declared homestead provided by subdivision (a) continues regardless of whether the decedent was the sole owner of the declared homestead or owned the declared homestead with the surviving spouse or a member of the decedent’s family and regardless of whether the surviving spouse or the member of the decedent’s family was a declared homestead owner at the time of the decedent’s death.
(c)CA Civil Procedure Code § 704.995(c) The amount of the homestead exemption is determined pursuant to Section 704.730 depending on the circumstances of the case at the time the amount is required to be determined.