When you’re buying or selling a home, a lot of focus goes into price, closing dates, and inspections, but sometimes, it’s the smaller details that cause the biggest confusion. One of the most common sources of misunderstanding? Chattels; What are chattels in real estate, and why do they matter?
Whether you are browsing listings or reviewing an offer, you’ve probably seen the phrase: “All chattels as viewed and in working condition.” But what does that mean, exactly?
Let’s dive into what chattels are, how they differ from fixtures, and why it is so important to get these details right in a real estate transaction.
What Are Chattels?
What are chattels in real estate? Chattels are personal property items that are not physically attached to the land or structure. They’re considered movable, and unless otherwise stated in the purchase agreement, they are not automatically included in the sale.
Examples of Chattels
- Freestanding kitchen appliances (fridge, stove, microwave)
- Furniture (sofas, tables, beds)
- Decor (artwork, lamps, freestanding mirrors)
- Window coverings like drapes hung on curtain rods
- Lawn equipment or patio furniture
Because chattels aren’t considered part of the property, sellers typically take them when they move, unless they state specific chattels included in the sale.
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What is a Fixture?
What is a fixture in real estate? Fixtures are items that are physically affixed or built into the home or land. These are generally included in the sale by default because removing them could cause damage or alter the space in a meaningful way.
Examples of Fixtures
- Light fixtures and chandeliers
- Built-in shelving and cabinetry
- Mounted TVs with brackets
- Wall-mounted bathroom mirrors
- Installed kitchen range hoods or built-in ovens
- Hardwired security or smart home systems
The general rule of thumb? If it’s nailed, bolted, glued, or wired into the property, it’s a fixture and it stays.
Chattels vs Fixtures: Where It Gets Tricky
Sometimes, the line between chattels and fixtures isn’t clear, and this is where confusion or disputes can arise. For example, a flat-screen TV is a chattel, but the wall-mount may be considered a fixture. Or, a garden shed sitting on a concrete pad may be considered a fixture, but if it’s movable and not anchored, it might be a chattel. Drapes may be chattels, but the curtain rods are usually fixtures.
That is why it’s so important to be specific in the offer. If you’re a buyer and you really want the wine fridge in the basement, make sure it’s listed in the inclusions section. If you’re a seller who plans to take your custom mirror or antique chandelier, list it clearly as an exclusion.
How Chattels Are Handled in Real Estate Agreements
Your real estate agent will guide you through what is and isn’t included in a property and how to document it properly. The Agreement of Purchase and Sale will typically include a section that reads something like:
“Chattels Included: Fridge, stove, dishwasher, washer, dryer, all window coverings, garden shed. “Excluded: Dining room chandelier, primary bedroom mirror, garage shelving.”
If it’s not listed, and it’s not physically attached, it’s not included.
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Why It Matters
Imagine moving into your new home and realizing the seller took the washer and dryer you thought were part of the sale. Or worse, discovering that the elegant chandelier you fell in love with was swapped out before closing.
These kinds of issues are avoidable with clear documentation and proper expectations. If you’re unsure about what stays and what goes, never assume; ask, clarify, and include it in writing.
Final Thoughts
So, what are chattels in real estate? They’re the movable pieces that can easily go with the seller, but with the right wording in your offer, they can be yours too.
Understanding the difference between chattels and fixtures is key to a smooth transaction for both buyers and sellers. Clear communication, good representation, and a bit of planning go a long way in avoiding disappointment (or disputes) on closing day.
If you’re buying or selling and want to be sure you’ve covered all your bases, including the chattels, the Ambler Real Estate Team is here to help and just a call away.
Buying or selling? Contact the Ambler Real Estate Team for a confidential consultation today. Call (416-884-8027) or email (team@amblerhomes.com) to get in touch.
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