Titles and Deeds Practice Questions
Titles, deeds, and ownership restrictions is about 7 questions on the Florida sales associate exam. It covers the deed types and the protection each gives, the requirements for a valid deed, recording and notice, title insurance, deed restrictions, and adverse possession. Work the questions below, then read every explanation.
Exam prep only
Deed questions reward one move: match the deed to the protection it gives. A general warranty deed protects the most, a quitclaim deed protects the least, and recording protects against later claims rather than making the deed valid in the first place.
Use The Protection-Level Read. Ask what protection the deed or document actually provides, then answer. Most wrong choices describe a different deed's level of protection.
Quiz mode · Test yourself
Titles and Deeds Practice Questions
7 scenario-based questions on titles and deeds, scored, each with a full explanation after you answer. Every question is also written out below if you would rather study at your own pace.
Every question explained
Prefer to study at your own pace? Here are all 7 questions. Read each one and pick your answer, then reveal the correct answer, the reasoning, and the trap that catches most candidates.
1. A buyer in an ordinary purchase wants the greatest possible protection against title defects, including problems that arose before the seller owned the property. The deed that provides this is a
- A.quitclaim deed
- B.special warranty deed
- C.general warranty deed
- D.bargain and sale deed
Show answer and explanation
Correct answer: C. general warranty deed
Why C is correct: A general warranty deed gives the grantee the most protection. The grantor warrants the entire chain of title and agrees to defend against defects that arose at any point in the property's history, not only during the grantor's ownership.
Trap: A special warranty deed covers only the grantor's own period of ownership. Only the general warranty deed covers the full chain of title.
Source: F.S. Chapter 689, conveyances of land
2. An owner wants to release any possible interest she may have in a property to settle a boundary question, making no promises about the title. The appropriate instrument is a
- A.general warranty deed
- B.quitclaim deed, which transfers only whatever interest the grantor holds and makes no warranties
- C.special warranty deed
- D.trustee's deed
Show answer and explanation
Correct answer: B. quitclaim deed, which transfers only whatever interest the grantor holds and makes no warranties
Why B is correct: A quitclaim deed transfers only the interest the grantor actually holds, if any, and makes no warranties of title. It is commonly used to clear a cloud on title, resolve a boundary issue, or transfer property between family members.
Trap: A quitclaim deed makes no promises. A buyer in an arm's-length sale should not accept one in place of a warranty deed.
Source: F.S. Chapter 689, conveyances of land
3. Which of the following is NOT required for a deed to be valid?
- A.A competent grantor and an identifiable grantee
- B.A legal description of the property and words of conveyance
- C.The grantee's signature
- D.Delivery and acceptance of the deed
Show answer and explanation
Correct answer: C. The grantee's signature
Why C is correct: A valid deed needs a competent grantor, an identifiable grantee, a legal description, a granting clause, consideration, the grantor's signature, and delivery and acceptance. The grantee does not have to sign the deed.
Trap: The grantor signs the deed, not the grantee. A grantee signature is not a requirement for validity.
Source: F.S. Chapter 689, conveyances of land
4. A buyer receives and accepts a valid deed but never records it. As between the buyer and the seller, the deed is
- A.invalid, because a deed must be recorded to transfer title
- B.valid between the parties, although recording would protect the buyer against later third-party claims by giving constructive notice
- C.valid only after the next tax year
- D.valid only if the seller also records a release
Show answer and explanation
Correct answer: B. valid between the parties, although recording would protect the buyer against later third-party claims by giving constructive notice
Why B is correct: A deed is valid between the grantor and grantee once it is delivered and accepted, even if it is never recorded. Recording is not required for validity between the parties, but it provides constructive notice to the world and protects the buyer against later claims.
Trap: Recording does not create a valid deed; delivery and acceptance do. Recording protects against third parties by giving constructive notice.
Source: F.S. 695.01, recording; F.S. Chapter 689
5. A buyer purchases a property and obtains a title insurance policy that protects the buyer up to the purchase price. This is
- A.a lender's policy, which protects the mortgage holder
- B.an owner's policy, which protects the buyer
- C.a homeowner's hazard policy
- D.a home warranty
Show answer and explanation
Correct answer: B. an owner's policy, which protects the buyer
Why B is correct: An owner's title insurance policy protects the buyer against covered title defects that existed before the policy date, up to the purchase price. A lender's policy instead protects the mortgage holder up to the loan amount.
Trap: Match the policy to the protected party: owner's policy for the buyer, lender's policy for the lender. Title insurance covers pre-existing defects, not future events.
Source: F.S. Chapter 627, Part XIII, title insurance
6. A recorded subdivision restriction limits all lots to single-family residential use. A buyer wants to open a retail shop on his lot, even though county zoning would allow commercial use there. The buyer
- A.may open the shop, because zoning always overrides private restrictions
- B.may not open the shop, because when a deed restriction and zoning conflict, the more restrictive of the two controls
- C.may open the shop only with a variance from the county
- D.may open the shop because deed restrictions are not enforceable
Show answer and explanation
Correct answer: B. may not open the shop, because when a deed restriction and zoning conflict, the more restrictive of the two controls
Why B is correct: When a private deed restriction and public zoning conflict, the more restrictive rule controls. Here the deed restriction limiting the lot to residential use is stricter than the zoning, so it controls and the retail shop is not allowed.
Trap: Zoning does not automatically win. The stricter of the public and private rule governs, whichever it is.
Source: Deed restrictions and covenants, Florida property law
7. A person openly occupies and uses another owner's vacant land continuously and exclusively, without permission, treating it as her own. In Florida, the doctrine that could eventually allow her to claim legal title is
- A.eminent domain
- B.adverse possession
- C.escheat
- D.a prescriptive easement that transfers full ownership
Show answer and explanation
Correct answer: B. adverse possession
Why B is correct: Adverse possession can pass title to someone who possesses another's land in a way that is open, notorious, continuous, exclusive, and hostile (without permission) for the period set by law. In Florida the possession must continue for 7 years, and the possessor must generally pay the property taxes.
Trap: Adverse possession requires possession without the owner's permission. If the owner gave permission, the use is not hostile and the claim fails.
Source: F.S. 95.16 and 95.18, adverse possession
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Get the full question bankFrequently asked questions
Which deed gives a buyer the most protection?
The general warranty deed gives the most protection. The grantor warrants the entire chain of title and defends against defects from any point in the property's history. A special warranty deed covers only the grantor's ownership period, and a quitclaim deed gives no warranties at all.
Does a deed have to be recorded to be valid in Florida?
No. A deed is valid between the grantor and grantee once it is delivered and accepted. Recording is not required for validity, but it gives constructive notice to the public and protects the buyer against later third-party claims.
How long is the adverse possession period in Florida?
Florida requires 7 years of possession that is open, notorious, continuous, exclusive, and hostile, and the possessor generally must pay the property taxes during that period. Permission from the owner defeats the claim because the possession is no longer hostile.