Owned by one entity but subject to another's valid claim.

Use encumbered in a sentence

You may feel that you are encumbered by certain terms but will just have to continue on any way you can.

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The stuff was owned, but it was encumbered, so it was subject to another person's valid claim, which was interesting to me.

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My wife tried to sell off her father's old farm, but learned she could not because there was a mechanic's lien that encumbered the entire property and had to be paid.

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Mentioned in these terms

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clear title partial reconveyance