IRES - Iowa Real Estate Salesperson

Question 21: The owner of a farmhouse acreage buys cement, sand, and stone, then mixes and pours them to build a permanent sidewalk running across the front yard. Which legal process describes converting these movable materials into part of the real property itself?

Severance

Annexation

Accession

Avulsion

Question 22: Two adjoining acreages near Waterloo are owned separately, and the rear parcel holds a recorded right to cross the front parcel to reach the road, a benefit that transfers automatically whenever the rear parcel is sold. Which type of easement is this?

An easement in gross

A license

An easement by prescription

An easement appurtenant

Question 23: A landowner near Dubuque cuts down a mature oak that had been growing on the property and hauls the logs to a mill for sale. Which legal process describes this act of detaching an item and changing it from real to personal property?

Severance

Annexation

Accession

Accretion

Question 24: A congregation wants to build a church on a residentially zoned Iowa City lot, and the ordinance lists churches as allowable there only with special approval and specified conditions. The proposal meets the zoning otherwise. Which approval BEST fits this situation rather than a hardship variance?

A variance for hardship

A nonconforming use status

A spot zoning change

A conditional use permit

Question 25: A developer recording a new West Des Moines subdivision files a master document imposing uniform rules on every lot, covering fences, exterior colors, and setbacks, binding all future buyers alike. Which instrument establishes these covenants, conditions, and restrictions for the whole subdivision?

A single deed restriction

A zoning ordinance

A declaration of CC&Rs

A certificate of occupancy

Question 26: A Davenport owner of an unusually narrow corner lot cannot meet the side-yard setback and would suffer real hardship building any reasonable home. She asks the zoning board for permission to deviate from the strict setback rule. What is she seeking?

A nonconforming use

A variance

A zoning amendment

A building permit

Question 27: A Dubuque property owner notices that the same government which can regulate and even take his land also sends him a yearly bill to help fund public schools and services. Which of the four government powers is exercised through that recurring monetary levy?

Police power

Eminent domain

Taxation

Escheat

Question 28: A Cedar Falls ordinance so severely restricts what an owner may do with a wetland parcel that it destroys nearly all economic use, and the owner argues she deserves payment. Which principle explains when regulation under police power crosses into a compensable taking?

Regulatory taking requires just compensation

Police power never requires compensation

Escheat transfers the wetland freely

Zoning always defeats a takings claim

Question 29: An elderly Ankeny homeowner dies leaving no will and no locatable heirs, and after a diligent search none can be found to inherit her house. Under which government power does title to that real property ultimately pass to the state?

Eminent domain

Escheat

Police power

Adverse possession

Question 30: When a public agency takes part of a Davenport commercial lot through condemnation, the constitution guarantees the owner a payment. On what standard is that payment normally based when the government exercises its power of eminent domain over private property?

The owner's original purchase price

The remaining mortgage balance

The assessed value for taxes

The property's fair market value

Question 31: The deed to an acreage lot near Dubuque contains a clause, placed by the original developer, forbidding any commercial building and requiring homes of a minimum size. Which type of private control limits how an owner may use land through language in the deed?

A deed restriction

A zoning ordinance

A special assessment

An easement appurtenant

Question 32: Before a new split-level home in Sioux City may be occupied, an inspector verifies that its wiring, plumbing, and framing meet minimum construction standards and then issues a certificate of occupancy. Which set of local regulations establishes those minimum construction standards?

Deed restrictions

Zoning ordinances

Building codes

Special assessments

Question 33: A small neighborhood grocery has operated lawfully at a Cedar Rapids corner for decades, but the block was recently rezoned strictly residential. The store may keep running under a familiar zoning concept. Which term describes a lawful use that predates a new zoning restriction?

A variance

A conditional use

Spot zoning

A nonconforming use

Question 34: To guide orderly growth, a municipality divides its territory into districts and specifies which uses, residential, commercial, or industrial, and what building types are permitted in each mapped area. Which police-power tool assigns land uses to districts across a community?

A deed restriction

Zoning

A special assessment

Eminent domain

Question 35: An instructor tells a licensing class that every government holds four inherent authorities over privately owned land within its borders, a set often remembered by a simple acronym. Which grouping correctly names all four of those governmental powers affecting real property?

Police power, eminent domain, taxation, escheat

Zoning, deed restrictions, liens, escheat

Taxation, escheat, dedication, foreclosure

Police power, zoning, taxation, condemnation

Question 36: After a title insurer pays a Dubuque homeowner's claim for a previously unknown lien, the company steps into the insured's shoes and pursues the party responsible to recover what it paid out on the claim. Which right does the insurer exercise?

Subordination

Subrogation

Reconveyance

Escheat

Question 37: A Council Bluffs borrower defaults, and the lender files a lawsuit asking a court to order the property sold at public auction after proper public notice, with the sale supervised through the court. Which type of foreclosure proceeding does this describe?

Nonjudicial foreclosure

Strict foreclosure

Deed in lieu of foreclosure

Judicial foreclosure

Question 38: A buyer of a resale farmhouse near Waterloo purchases a one-year service contract that will pay to repair or replace major systems and built-in appliances, such as the furnace and water heater, if they fail. Which product does this describe?

A homeowners insurance policy

A title insurance policy

A home warranty

An owner's title commitment

Question 39: At closing on an Iowa City condominium, the buyer pays a one-time premium for a policy issued in the amount of the purchase price, protecting the new owner and her heirs against losses from title defects existing before closing. Which policy is this?

Lender's title insurance policy

Homeowners hazard policy

Home warranty policy

Owner's title insurance policy

Question 40: In some transactions the buyer and seller never meet face to face; instead a disinterested third party holds the documents and funds, follows written instructions, and coordinates the closing on behalf of both parties. Which party performs this coordinating role?

The listing broker

The escrow agent

The buyer's attorney

The county recorder

IRES Iowa Real Estate Salesperson - Set 2 - Part 2

Question 21: The owner of a farmhouse acreage buys cement, sand, and stone, then mixes and pours them to build a permanent sidewalk running across the front yard. Which legal process describes converting these movable materials into part of the real property itself?

Question 22: Two adjoining acreages near Waterloo are owned separately, and the rear parcel holds a recorded right to cross the front parcel to reach the road, a benefit that transfers automatically whenever the rear parcel is sold. Which type of easement is this?

Question 23: A landowner near Dubuque cuts down a mature oak that had been growing on the property and hauls the logs to a mill for sale. Which legal process describes this act of detaching an item and changing it from real to personal property?

Question 26: A Davenport owner of an unusually narrow corner lot cannot meet the side-yard setback and would suffer real hardship building any reasonable home. She asks the zoning board for permission to deviate from the strict setback rule. What is she seeking?

Question 27: A Dubuque property owner notices that the same government which can regulate and even take his land also sends him a yearly bill to help fund public schools and services. Which of the four government powers is exercised through that recurring monetary levy?

Question 28: A Cedar Falls ordinance so severely restricts what an owner may do with a wetland parcel that it destroys nearly all economic use, and the owner argues she deserves payment. Which principle explains when regulation under police power crosses into a compensable taking?

Question 29: An elderly Ankeny homeowner dies leaving no will and no locatable heirs, and after a diligent search none can be found to inherit her house. Under which government power does title to that real property ultimately pass to the state?

Question 30: When a public agency takes part of a Davenport commercial lot through condemnation, the constitution guarantees the owner a payment. On what standard is that payment normally based when the government exercises its power of eminent domain over private property?

Question 31: The deed to an acreage lot near Dubuque contains a clause, placed by the original developer, forbidding any commercial building and requiring homes of a minimum size. Which type of private control limits how an owner may use land through language in the deed?

Question 32: Before a new split-level home in Sioux City may be occupied, an inspector verifies that its wiring, plumbing, and framing meet minimum construction standards and then issues a certificate of occupancy. Which set of local regulations establishes those minimum construction standards?

Question 33: A small neighborhood grocery has operated lawfully at a Cedar Rapids corner for decades, but the block was recently rezoned strictly residential. The store may keep running under a familiar zoning concept. Which term describes a lawful use that predates a new zoning restriction?

Question 34: To guide orderly growth, a municipality divides its territory into districts and specifies which uses, residential, commercial, or industrial, and what building types are permitted in each mapped area. Which police-power tool assigns land uses to districts across a community?

Question 35: An instructor tells a licensing class that every government holds four inherent authorities over privately owned land within its borders, a set often remembered by a simple acronym. Which grouping correctly names all four of those governmental powers affecting real property?

Question 36: After a title insurer pays a Dubuque homeowner's claim for a previously unknown lien, the company steps into the insured's shoes and pursues the party responsible to recover what it paid out on the claim. Which right does the insurer exercise?

Question 37: A Council Bluffs borrower defaults, and the lender files a lawsuit asking a court to order the property sold at public auction after proper public notice, with the sale supervised through the court. Which type of foreclosure proceeding does this describe?

Question 38: A buyer of a resale farmhouse near Waterloo purchases a one-year service contract that will pay to repair or replace major systems and built-in appliances, such as the furnace and water heater, if they fail. Which product does this describe?

Question 39: At closing on an Iowa City condominium, the buyer pays a one-time premium for a policy issued in the amount of the purchase price, protecting the new owner and her heirs against losses from title defects existing before closing. Which policy is this?

Question 40: In some transactions the buyer and seller never meet face to face; instead a disinterested third party holds the documents and funds, follows written instructions, and coordinates the closing on behalf of both parties. Which party performs this coordinating role?

Don't Want to Study?