Which of the following is NOT a type of financial encumbrance?

A financial encumbrance refers to a claim or lien on a property that affects the owner's ability to freely dispose of the property, typically involving financial obligations or debts. An easement, while it impacts the usage of the property, is more of a non-financial encumbrance rather than a financial one. It grants someone else the right to use a portion of the property for a specific purpose but does not create a financial obligation for the property owner directly.

Super liens, special assessments, and judgments are all types of financial claims that can encumber a property. A super lien often arises from unpaid associations dues or property taxes, leading to significant financial consequences for the owner. Special assessments are charges levied by municipalities for improvements that benefit the property, creating a financial obligation for the owner. Judgments typically arise from legal actions where a creditor obtains a court ruling against the property owner's financial responsibilities.

In summary, the distinction lies in the nature of the encumbrance—with easements representing a right to use rather than a financial claim on the property's value or owner's debt obligations.