Which of the following best describes an encumbrance?

An encumbrance refers to any claim, lien, charge, or liability attached to a property that may affect its title or use. This definition aligns with the description of a restriction on the property title. Encumbrances can include mortgages, easements, and property tax liens, which can impact the owner's ability to sell, transfer, or use the property freely. Understanding encumbrances is crucial in real estate transactions, as they can limit the property owner's rights and obligations. Recognizing an encumbrance as a restriction emphasizes the potential impacts these claims can have on the title and ownership rights, which is essential knowledge for anyone involved in title insurance or real estate practices.