Find a Mobile Home Park
That Actually Fits

Legally, homes built before June 15, 1976 are called mobile homes. Homes built after that date under HUD code are manufactured homes. In everyday use (and in this directory) the terms are used interchangeably. The distinction matters for financing and titling — older pre-HUD homes are harder to finance and some parks won't accept them.

Yes, but options are more limited than for site-built homes. Because you don't own the land, most conventional mortgages won't apply. Look into chattel loans (personal property loans specifically for manufactured homes), FHA Title I loans, or Vanderbilt Mortgage/21st Mortgage, which specialize in this product. Credit unions in NKY (including Commonwealth Credit Union and Forcht Bank) sometimes offer portfolio products. Expect higher rates than conventional mortgages.

In Kentucky, a manufactured home on rented land is titled as personal property through the county clerk's office — the same office that handles vehicle titles. You'll need the current title (or a release of lien if there's a loan), a bill of sale, and fees that vary slightly by county. Boone, Kenton, and Campbell county clerks each handle this directly; call ahead to confirm current fees and required documents.

Yes, significantly. In Ohio, manufactured homes on rented land are titled through the Clerk of Courts (not the county clerk — a separate office). In Hamilton County, that's the Hamilton County Clerk of Courts. You'll need the existing title, a notarized bill of sale, and a completed title application. Ohio also charges a manufactured home tax annually — separate from real property taxes.

Both Kentucky and Ohio have laws requiring advance notice before a park closure — generally 180 days in Kentucky and up to 270 days in Ohio for larger communities. However, protections are limited. If you own your home, you're entitled to notice and sometimes relocation assistance, but this varies. When evaluating a park, ask about ownership history and whether there's been any recent sale or rezoning activity nearby.

Water and sewer are included in lot rent at most (but not all) parks in this directory. Electric is almost never included — you'll set up service directly with Duke Energy for both NKY and the Cincinnati Ohio side. Trash pickup is included at roughly half the parks listed. Always get a written breakdown of what's included before signing a lease.

Moving a home requires a licensed manufactured home transporter and typically a move permit from the county. The destination park must approve the home (age, condition, and size restrictions apply). In Kentucky, you'll need to transfer the title to your name at the county clerk before or at the time of the move. Budget $3,000–$8,000+ for transport and setup depending on distance and whether the home needs a new foundation/skirting.