REAL_ESTATE

REAL_ESTATE = PROPERTY_STANDARD x CANONIC = Structure(property) x (C1, C2, Temporal, Relational, C5) = owned real estate vertical

REAL_ESTATE = C1 ∩ C2 ∩ Temporal ∩ Relational ∩ C5 ∩ C6 = ENTERPRISE (#63)

Real Estate requires full Enterprise because:

• C1: Listings, disclosures, and contracts make claims (price, condition, ownership)
• C2: Public records prove ownership, liens, assessments, title chain
• Temporal: Listing dates, contract deadlines, inspection periods, closing dates, recording timestamps
• Relational: County jurisdiction, state licensing boards, MLS membership, brokerage relationships, lender requirements
• C5: State real estate commission enforcement (FREC/DBPR in FL), NAR ethics committees, title insurance underwriters
• C6: MLS data standards (RESO/RETS), IDX display rules, FAR/BAR contract forms, USPAP appraisal standards

1. Public Ledger

Real estate IS a public ledger. Every transfer, lien, and encumbrance is recorded with the county. The deed book is the original blockchain.

Example: Orange County Comptroller — Official Records search. Deed recorded at Book/Page. Instrument number is the hash. Recording date is the timestamp. The county recorder is the consensus mechanism. No private state — everything is public record.

2. Property as Entity

Each property is a governed entity with its own identity, history, and compliance state.

Example: Parcel ID 25-2330-1234-00-001 — this is the property’s identity. It has an assessor record (value), a recorder history (chain of title), a tax account (obligations), a zoning classification (permitted use), a flood zone designation (risk), and building permits (improvements). The property exists independent of its current owner. Owners change. The parcel persists.

3. Agent as Fiduciary

The licensed agent is a governed intermediary. Every action is a fiduciary obligation.

Example: A listing agent’s duties are contractually defined in the listing agreement. Every showing, every offer, every counteroffer, every disclosure is a governed action. The agent’s license number is their credential. The brokerage is their ORG. The MLS is their network. Every action = WORK = COIN.

4. Transaction as Lifecycle

Every real estate transaction follows a governed lifecycle from listing to closing.

Example: Pre-listing (CMA, listing agreement, disclosures) → Active (MLS, showings, marketing) → Under Contract (inspection, appraisal, title, financing) → Closing (settlement, deed transfer, recording) → Post-closing (tax proration adjustments, warranty claims). Each phase has required documents, deadlines, and compliance checkpoints.

5. Credential Chain

Every participant in a transaction MUST be credentialed. Agents, appraisers, inspectors, title agents, lenders — all licensed and verifiable.

Example: Agent license verified through DBPR (myfloridalicense.com). Appraiser license through FREAB. Home inspector through FL 468. Title agent through FL 626. Mortgage loan originator through NMLS. Every credential has a license number, status, expiration, and disciplinary history. All publicly verifiable.

`` DECLARE(PropertyCredential) = COUNTY_RECORDS x CANONIC

Where: COUNTY_RECORDS provides Structure: - Parcel ID (property identity) - Deed history (chain of title) - Assessment records (value) - Tax records (obligations) - Zoning/permits (entitlements) - Liens/encumbrances (burdens)

CANONIC provides Governance: - C1: Property claims stated (ownership, value, condition) - C2: County records as evidence - Temporal: Recording dates, assessment dates - Relational: County, state, MLS jurisdiction - C5: Title insurance underwriter verification - C6: RESO data standards

Result: PropertyCredential = ENTERPRISE (#63)

Credential Lifecycle: Search — Records pulled Verify — Chain confirmed Clear — Jurisdiction mapped Insure — Title commitment issued Certify — Property credentialed ``

`` DECLARE(RealtorChat) = PROPERTY_DATA x CANONIC

Where: PROPERTY_DATA provides INTEL: - MLS listing data - County public records - Market comparables - Neighborhood data - School ratings - Flood/environmental data

CANONIC provides CHAT: - Industry voice = Real Estate - Disclaimer = Not legal/financial advice - Agent credential = License number verified - Property credential = Parcel ID verified

CANONIC provides COIN: - Every showing inquiry = WORK - Every offer discussion = WORK - Every disclosure served = WORK - WORK = COIN = ledgered

Result: RealtorChat = INTEL + CHAT + COIN Each property gets its own governed agent Agent fleet scales with listings ``

To create a CANONIC real estate vertical:

Identify property (parcel ID, county, state) Create scope with CANON.md inheriting /REAL_ESTATE/ Pull public records (assessor, recorder, clerk) Verify chain of title (deed history) Document credentials (agent license, brokerage) Establish temporal controls (listing dates, contract deadlines) Map jurisdiction (county, state, MLS) Deploy REALTOR-CHAT (governed AI agent per property)

Result: Owned real estate vertical with public-record-verified governance.

REAL_ESTATE × FINANCE = Mortgage governance, TRID compliance (RESPA + GAAP + Dodd-Frank) REAL_ESTATE × LAW = Title law, contract enforcement (FAR/BAR + UCC) REAL_ESTATE × QUALITY = Property inspection, appraisal standards (USPAP + ASHI) REAL_ESTATE × ENERGY = Energy efficiency, solar permitting (HERS + Title 24) REAL_ESTATE × MANUFACTURING = Construction management, building codes (ICC + OSHA) REAL_ESTATE × LOGISTICS = Moving/relocation, property furnishing (DOT + GSA) REAL_ESTATE × EDUCATION = School district mapping, campus real estate (NCES + SACSCOC) REAL_ESTATE × MEDICINE = Healthcare facility compliance (CMS CoP + FGI) REAL_ESTATE × DEFENSE = Military housing, BRAC governance (DLA + DoD) REAL_ESTATE × AGRICULTURE = Agricultural land, conservation easements (NRCS + F.S. 570)

10 cross-domain compositions. Each strengthens PROV-001 and PROV-002 patent claims.

Same 8 MAGIC dimensions as MammoChat. Different domain constraints. Identical governance proof. The real estate fleet demonstrates that MAGIC 255 is domain-agnostic — the architecture works whether the subject matter is a BI-RADS finding or a Lake Nona listing.

Gap: No existing system provides governance-gated real estate transactions with O(1) bitwise compliance checking across public records, title chain, licensing, and cross-domain composition.