Encumbrances against a property consist of

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Encumbrances against a property are burdens on the title that can restrict use or transfer of the property. Taxes and assessments become liens against the property, so they cloud title until paid. Building restrictions, encroachments, and easements are forms of use restrictions or rights that are typically recorded and visible in title records, limiting how the property can be used or conveyed. Pending legal actions, such as lawsuits affecting the property, create a lis pendens that can cloud title during litigation.

Off-record matters like zoning restrictions and proposed assessments aren’t considered encumbrances in the usual sense because they aren’t current, recorded burdens on title. Zoning rules are enforced through public records, and proposed assessments may not yet be a lien or recorded restriction.

Thus, encumbrances encompass taxes, assessments, liens, building restrictions, encroachments, easements, and pending legal actions, which matches the described best set.