Kentucky handles this differently than Indiana, and the difference is where deals get stuck.
Under KRS 186A.297, when a manufactured home is permanently affixed to land, the owner files an affidavit of conversion to real estate with the county clerk in the county where the land sits. The affidavit attests the home has been or will be permanently affixed, and it has to be accompanied by surrender of the Kentucky certificate of title.
The clerk files it in the miscellaneous record book and sends a copy to the Property Valuation Administrator so the home moves onto the real property tax rolls.
The lien rule is what stops people
A county clerk will not accept a surrendered Kentucky title that shows an unreleased lien. It has to come with a release, or an affidavit from the attorney who satisfied the lien confirming everything on the title has been paid.
That is the single most common reason a Kentucky manufactured home sale stalls. An old lien from a lender that was bought, merged or closed years ago is still sitting on the title, and nobody finds out until the clerk refuses it.
If that is your situation, it is worth finding out early rather than at closing. Tell me up front and we plan around it.
Buying in Kentucky
I buy Kentucky manufactured homes for my own account, in Louisville and out through Bullitt, Meade, Trimble, Carroll and Shelby County. Land has to come with the home.
More on this: how I buy mobile and manufactured homes, and how Indiana handles the same problem.