A right or claim upon real property (land) held by one other than the property owner. Encumbrances are divided into two classes, as follows: a) Liens (mortgages, deeds of trust, mechanics’ liens, local taxes, assessments, judgments, attachments, etc.).
b) Encumbrances other than liens which are limitations on the ownership of the land (such as conditions, restrictions, reservations, easements, etc.).