CITE AS:  Estate of Levine v. Commissioner, 72 T.C. 780

	ESTATE OF AARON LEVINE, DECEASED, HARVEY LEVINE, EXECUTOR, ET AL.,
	  AND ANNA LEVINE, SURVIVING WIFE, PETITIONERS v. COMMISSIONER OF
	  INTERNAL REVENUE, RESPONDENT

	Docket No. 782-76.                             Filed August 6, 1979.


	Decedent exchanged like kind property on July 1, 1968, which he held as 
a tenant in common with his son. Said exchange resulted in the receipt of 
boot which decedent failed to include in taxable income. Held, the amount 
received as boot was properly includable in decedent's taxable income 
since the exchange of properties occurred during the taxable year of 
decedent's partnership which ended on Dec. 31, 1968, within decedent's 
taxable year ended on July 31, 1969. Held, further, decedent realized gain 
upon the transfer of real estate, encumbered beyond its adjusted basis, to 
a trust for the benefit of his grandchildren, pursuant to sec. 1001(a), 
I.R.C. 1954. Crane v. Commissioner, 331 U.S. 1 (1947), followed.


	Martin Rosen and Barry L. Gardiner, for the petitioners.

	Rudolph J. Korbel and Joan Ronder Domike, for the respondent.


	FORRESTER, Judge: For their taxable years ended July 31, 1969 and 1970, 
respondent has determined deficiencies in petitioners' Federal income 
taxes in the respective amounts of $19,718.49 and $175,244.03. He has also 
determined a section 6651(a) <> addition to tax in the amount 
of $2,353.11 for the year 1969. Concessions having been made, the 
following issues remain for our decision:

	(1) Whether decedent realized capital gain during the taxable year 
ended July 31, 1969, upon the receipt of boot in an otherwise valid 
section 1031 exchange which occurred in taxable year 1968; and

	(2) Whether decedent realized capital gain upon the transfer of certain 
real property, with outstanding encumbrances that exceeded its adjusted 
basis, to a trust which assumed the obligations.


FINDINGS OF FACT

	All of the facts have been fully stipulated and are so found. Those 
necessary to an understanding of the case follow.

	Aaron Levine (hereinafter decedent) and Anna Levine, <> as 
husband and wife, filed joint Federal income tax returns for the years in 
issue with the District Director in Andover, Mass. The executor of 
decedent's estate, Harvey Levine (hereinafter petitioner or Harvey), 
resided in Woodmere, N.Y., at the time the petition herein was filed.

	Decedent and Harvey managed various commercial real estate properties 
in which they held an interest. They owned, as tenants in common, a 
commercial building located at 187 Broadway, New York, N.Y. As the lessors 
and property managers, they provided the tenants with necessary services. 
The property's books and records were maintained on a calendar year basis 
at decedent's office in New York. No partnership returns were ever filed 
with respect to this property; nevertheless, the income or loss from the 
property was reported, pro rata, on the fiscal yearend return of decedent 
and the calendar yearend return of petitioner.

	Decedent and Harvey also owned, as tenants in common, a building at 183 
Broadway, New York, N.Y. As with the 187 Broadway property, they performed 
various management services in conjunction with their ownership of the 183 
Broadway property. On July 1, 1968, decedent and Harvey exchanged the 
property at 187 Broadway for the like kind property at 183 Broadway. As a 
result of this transaction, decedent received additional consideration of 
$60,000 which he failed to include as gain realized from the 1968 
exchange, either on his return for the year ended July 31, 1968, or his 
return for the year ended July 31, 1969.

	In addition to the above properties, decedent owned income-producing 
property at 20-24 Vesey Street, New York, N.Y. This property was 
originally purchased on November 1, 1944, by decedent's wholly owned 
corporation. On August 22, 1957, the corporation, in conjunction with its 
dissolution, made a liquidating distribution of the property to decedent.

	On March 17, 1966, decedent obtained from the Bowery Savings Bank a 
mortgage consolidation of $500,000, representing the consolidation of 
numerous earlier mortgages made with respect to the subject property. The 
mortgage history giving rise to such consolidation is as follows:


	SCHEDULE OF MORTGAGE HISTORY: 20-24 VESEY STREET

	(1) On October 27, 1944, a purchase money mortgage was executed for 
$148,000.00 in favor of Mutual Life Insurance Company of New York.

	(2) On August 9, 1950, a mortgage loan for $120,108.97 was received 
from the Seamen's Bank for Savings and was consolidated with the 
$129,891.03 balance of the above purchase money mortgage into a new 
$250,000.00 mortgage.

	(3) On July 30, 1953 a mortgage loan for $100,000.00 was received from 
James John Trading Corp.

	(4) On August 10, 1955 a mortgage loan for an additional $100,000.00 
was received from James John Trading Corp.

	(5) On June 17, 1958, a mortgage loan for $214,955.77 was received from 
Bowery Savings Bank and was consolidated (with the $235,044.23 combined 
balance of the consolidated mortgage referred to in paragraph (2) hereof 
and the two mortgages described in paragraphs (3) and (4) of this 
Schedule) into a new mortgage loan of $450,000.00.

	(6) On May 17, 1963 a mortgage loan for $120,000.00 was received from 
The Morris Morgenstern Foundation.

	(7) On March 17, 1966, a mortgage loan of $37,001.77 was received from 
Bowery Savings Bank and was consolidated (with the $462,998.23 balance of 
the consolidated mortgage referred to in paragraph (5) of this Schedule 
and the mortgage referred to in paragraph (6) of this Schedule) into a new 
mortgage loan of $500,000.00, which became a standing mortgage.


Decedent obtained, on November 21, 1968, an additional mortgage on the 
Vesey Street property from the Commercial Trading Co. in the amount of 
$300,000. All of the nonrecourse mortgages were secured by the underlying 
Vesey Street property which had an appraised value, as of January 1, 1970, 
of $925,000.

	On or about January 1, 1970, decedent transferred, inter alia, the 
Vesey Street property to a trust dated December 1, 1969, created by 
decedent, as a sole grantor, for the benefit of his three grandchildren. 
At the time of this transfer, there existed outstanding mortgages and 
liabilities on such property, all of which were assumed by the trust.

	Pursuant to this transfer, decedent timely filed Form 709, U.S. Gift 
Tax Return, and reported the transfer as follows:

	20-24 Vesey Street, city,
	  county and State of New
	  York--appraisal value                                   $925,000.00

	Mortgages:
	Bowery Savings Bank          $500,000.00
	 Interest accrued
	 12/1/69 to 12/31/69            2,291.67

	Commercial Trading <1>        280,000.00
	  Interest accrued
	  12/1/69 to 12/31/69           3,616.67
	                             -----------
	                                           $785,908.34

	Expenses incurred by
	  donor in 1969 and
	  assumed and paid by
	  donee:
	Improvements                 $117,716.53
	Supplies                          387.83
	Repairs                         1,253.93
	Paint                              63.60
	Electricity                     1,827.56
	Steam                           3,324.13
	                             -----------
	     Total expenses                         124,573.58
	                                           -----------
	     Total mortgages,
	       interest, and
	       expenses                                            910,481.92
	                                                          -----------
	Equity                                                      14,518.08

	----------

	1/ Between November 1968 and January 1970, $20,000 of the $300,000 
principal was amortized.


	The mortgage loan funding on the property from 1944 to the time of 
transfer totaled $1,140,066.51. Of this amount, $671,957.54 was in 
mortgages placed on the property by decedent after his receipt of the 
property in 1957. Payments on these mortgages amounted to $360,066.51, of 
which $127,001.77 was paid by decedent from 1957 until the 1970 transfer.

	In addition, during the period from August 22, 1957, through January 1, 
1970, decedent invested $334,452 in the form of permanent improvements to 
the property. His adjusted basis for the property, as of January 1, 1970, 
was $485,429.55. At the time of the transfer to the trust, the excess of 
liabilities (inclusive of mortgages and other liabilities) over decedent's 
adjusted basis for the Vesey Street property was $425,051.79.

	In the statutory notice of deficiency, respondent determined that 
petitioner recognized gain to the extent of boot, under section 1031(b), 
on the July 1, 1968, exchange since the operation of the property in 
question was deemed a partnership under section 761. Respondent further 
determined that petitioner realized gain on the January 1, 1970, transfer 
of the Vesey Street property to a trust because the outstanding mortgage 
loans and other expenses were assumed by the trust and are properly 
treated as amounts received pursuant to section 1001(a).


OPINION

	The parties are in agreement that decedent received $60,000 of capital 
gain as a result of the section 1031 exchange on July 1, 1968. However, 
the parties disagree on whether decedent should have reported it for 
Federal income tax purposes on his return for the taxable year ended July 
31, 1969. This issue further raises the subsidiary question of whether a 
partnership existed between the parties and, if so, whether it was 
terminated by the exchange.

	Assuming, arguendo, that a partnership existed, petitioner contends 
that such partnership with respect to the 187 Broadway property terminated 
for tax purposes on July 1, 1968, the date that said property was 
exchanged for like kind property located at 183 Broadway. Respondent, on 
the other hand, argues that no terminating event, within the meaning of 
section 708(b)(1), had occurred; consequently, the partnership continued 
in existence and its taxable year did not end on July 1, 1968.

	Section 761(a) defines a partnership to include "a syndicate, group, 
pool, joint venture or other unincorporated organization through or by 
means of which any business, financial operation, or venture is carried 
on." See also sec. 7701(a)(2). Section 1.761-1(a), Income Tax Regs., 
furnishes additional guidance on the question of whether a partnership is 
created, in fact, absent some form of agreement:

	(a) Partnership. * * * The term "partnership" is broader in scope than 
the common law meaning of partnership, and may include groups not commonly 
called partnerships. * * * A joint undertaking merely to share expenses is 
not a partnership. For example, if two or more persons jointly construct a 
ditch merely to drain surface water from their properties, they are not 
partners. Mere coownership of property which is maintained, kept in 
repair, and rented or leased does not constitute a partnership. For 
example, if an individual owner, or tenants in common, of farm property 
lease it to a farmer for a cash rental or a share of the crops, they do 
not necessarily create a partnership thereby. TENANTS IN COMMON, HOWEVER, 
MAY BE PARTNERS IF THEY ACTIVELY CARRY ON A TRADE, BUSINESS, FINANCIAL 
OPERATION, OR VENTURE AND DIVIDE THE PROFITS THEREOF. FOR EXAMPLE, A 
PARTNERSHIP EXISTS IF COOWNERS OF AN APARTMENT BUILDING LEASE SPACE AND IN 
ADDITION PROVIDE SERVICES TO THE OCCUPANTS EITHER DIRECTLY OR THROUGH AN 
AGENT. * * * [Emphasis supplied.]


See also sec. 301.7701-3, Proced. & Admin. Regs.; McShain v. Commissioner, 
68 T.C. 154, 160 (1977).

	Furthermore, it is well settled that whether a partnership exists is a 
question of fact. Commissioner v. Tower, 327 U.S. 280 (1946). The crucial 
test emerging from partnership cases is whether decedent and Harvey 
intended to create, as evidenced by their actions, a partnership, 
notwithstanding the lack of characterization of their relationship. 
Commissioner v. Culbertson, 337 U.S. 733 (1949). See also Gilford v. 
Commissioner, 201 F.2d 735, 736 (2d Cir. 1953), affg. a Memorandum Opinion 
of this Court.

	While not conceding the issue, petitioner has cited no cases in support 
of his contention that a partnership did not exist between decedent and 
Harvey. Apparently, petitioner seeks to buttress his contention by relying 
upon the parties' lack of characterization of their relationship.

	It is clear from the facts that both subject properties were held by 
decedent and Harvey as tenants in common. Moreover, all profits and losses 
on such properties were shared equally. Decedent and Harvey engaged in the 
active conduct of a trade or business. This is evidenced by the fact that 
they furnished property management services to the tenants of their many 
real estate properties, including the two properties at issue.

	Tenants in common who rent their property are not ipso facto partners 
for tax purposes. Hahn v. Commissioner, 22 T.C. 212, 214 (1954). 
Nevertheless, the evidence in the record overwhelmingly supports a finding 
that decedent and Harvey intended to, and did, operate as a partnership. 
They engaged in an active business, performed various services, and shared 
the gains and losses. Such factors are more indicative of an intent to 
manage the properties as a partnership than as a mere passive investment. 
<> We find that decedent and Harvey were engaged in the 
operation of a partnership with respect to the 183 Broadway Street 
property and the 187 Broadway Street property.

	Petitioner further contends that, assuming a partnership is found to 
exist, such partnership terminated for tax purposes on July 1, 1968, the 
date that such property was exchanged for like kind property at 183 
Broadway. In opposition, respondent maintains that the exchange on said 
date of the 187 Broadway property for like kind property at 183 Broadway 
was effected in furtherance of the continuing partnership of decedent and 
his son.

<>
	Section 708(a) states the general rule that an existing partnership 
shall be considered as continuing if it is not terminated. Subsection (b) 
of section 708 indicates when a partnership is considered terminated for 
subsection (a) purposes. It provides:

	(b) TERMINATION.--
	(1) GENERAL RULE. For purposes of subsection (a), a partnership shall 
be considered as terminated only if--
	(A) no part of any business, financial operation, or venture of the 
partnership continues to be carried on by any of its partners in a 
partnership, or
	(B) within a 12-month period there is a sale or exchange of 50 percent 
or more of the total interest in partnership capital and profits.


	Petitioner's argument focuses on section 708(b)(1)(A). He posits that 
all business operations of the 187 Broadway partnership were discontinued 
on July 1, 1968, since the partnership's sole asset was used in the 
exchange. Therefore, the partnership was effectively terminated within the 
meaning of section 708(b)(1)(A). It would necessarily follow from this 
conclusion that the partnership year closed upon its termination on July 
1, 1968, pursuant to section 706(c), and that any gain realized on the 
exchange must fall within decedent's July 31, 1968, taxable year as 
provided by section 706(a). Decedent failed to report such gain on his 
fiscal year ended July 31, 1968, return and since the period of 
limitations on assessment and collection under section 6501(a) bars an 
assessment at this time, it is petitioner's position that decedent's gain 
realized on the July 1, 1968, exchange is without tax consequence.

	We do not agree. The decedent and Harvey performed the same services in 
their real estate business after the exchange as before. Moreover, after 
the exchange, the partnership continued to hold income-producing realty. 
Such property was held by the partnership and was not held by decedent and 
Harvey. The primary purpose of the partnership did not cease to exist. Cf. 
Baker Commodities, Inc. v. Commissioner, 48 T.C. 374 (1967), affd. 415 
F.2d 519 (9th Cir. 1969). The record is silent as to whether decedent or 
Harvey intended to terminate their partnership and wind up its affairs. We 
can only assume that they intended to continue the operation of their real 
estate business as evidenced by facts such as the rendering of necessary 
services to the new property's tenants and the sharing of the profits and 
losses from the new property.

	The principal argument raised in petitioner's brief circumnavigates 
these facts by focusing on the exchange of the partnership's only asset 
which, according to petitioner, results in the cessation of business 
operations of the partnership. However, this argument cannot prevail. 
Continuation of a partnership for tax purposes does not mean that the 
underlying partnership properties may never be sold or exchanged. To the 
contrary, we have held that the transfer by a partnership of all of its 
assets and its business activity to a corporation does not ipso facto 
terminate the existence of the partnership for Federal income tax 
purposes. Foxman v. Commissioner, 41 T.C. 535, 556-557 (1964), affd. 352 
F.2d 466 (3d Cir. 1965).

	Other courts have faced the question of partnership termination, in 
similar contexts, and found that the receipt of investment properties or 
promissory notes by the partnership, upon disposition of its properties, 
was sufficient for continuation of the partnership. Baker Commodities, 
Inc. v. Commissioner, 415 F.2d 519, 526 (9th Cir. 1969); Ginsburg v. 
United States, 184 Ct. Cl. 444, 396 F.2d 983 (1968). These cases are 
sufficiently similar to the instant case to be persuasive that there was 
no termination by reason of section 708(b)(1)(A).

	Section 708(b)(1)(B) is equally inapposite to the instant case. Neither 
decedent nor Harvey had transferred any of their respective partnership 
interests within a 12-month period. Nor did the exchange of the properties 
constitute an exchange of 50 percent or more of the total interest in 
partnership capital and profits. See sec. 1.708-1(b)(1)(ii), Income Tax 
Regs. The transaction hereunder was merely a tax-free exchange of an 
existing partnership property for another. At no time was there a sale by 
either decedent or his son of any interest in partnership profits, hence 
there was no termination under section 708(b)(1)(B). See Barran v. 
Commissioner, 39 T.C. 515, 528 (1962), revd. on another issue 334 F.2d 58 
(5th Cir. 1964).

	It is clear that for Federal tax purposes, the partnership had not been 
terminated at the time of the exchange within the provisions of section 
708(b)(1)(A) or section 708(b)(1)(B). As a result, the gross income of 
decedent includes his distributive share of the partnership's gains from 
the exchange of a partnership capital asset pursuant to section 702(c). 
The exchange of properties, accompanied by boot, occurred on July 1, 1968, 
which was during the taxable year of the partnership ended December 31, 
1968. We find, therefore, that the taxable year of the partnership ending 
on that date is within decedent's taxable year ending July 31, 1969, and 
that he is required to include the $60,000 boot in his taxable income for 
said taxable year and we so hold.

	The next issue is whether decedent realized gain upon the transfer of 
real estate, encumbered beyond its adjusted basis by mortgages and other 
outstanding liabilities, to a trust for the benefit of his grandchildren 
on about January 1, 1970. Petitioner's basic argument is that decedent 
need not recognize taxable income upon the transfer since the donee takes 
a substituted basis from the donor under section 1015. Thus, under 
petitioner's reasoning, the donee would immediately be faced with reduced 
depreciation deductions and eventually a larger capital gains tax upon the 
ultimate disposition of the property. Respondent, on the other hand, would 
have decedent recognize gain upon the transfer of the property, measured 
by the excess of the mortgages and assumed liabilities over adjusted 
basis.

	It is petitioner's theory that decedent realized nothing upon the 
transfer of the property (20-24 Vesey Street) and so there was nothing to 
tax as a gain under section 1001(a) and (b). Said subsections provide, in 
pertinent part:

	(a) COMPUTATION OF GAIN OR LOSS.--The gain from the sale or other 
disposition of property shall be the excess of the amount realized 
therefrom over the adjusted basis provided in section 1011 for determining 
gain, and the loss shall be the excess of the adjusted basis provided in 
such section for determining loss over the amount realized.
	(b) AMOUNT REALIZED.--The amount realized from the sale or other 
disposition of property shall be the sum of any money received plus the 
fair market value of the property (other than money) received. * * *


	That there was a disposition of the property by decedent seems clear. 
He made a complete and irrevocable transfer of the property to a trust for 
the benefit of his grandchildren. The question, however, is not whether a 
disposition occurred within the meaning of section 1001(b), but whether a 
gain was realized from such disposition. Therefore, the threshold question 
is whether decedent received from his disposition of the property, money 
or other property of a value in excess of his adjusted basis.

	When decedent received the property upon the liquidation of his wholly 
owned corporation in 1951, his basis was its fair market value as 
determined under section 334(a). Since his receipt of the property and 
until the date of its disposition in 1970, he obtained $671,957.54 as a 
result of additional nonrecourse mortgage loans, repaid $127,001.77 of 
outstanding mortgage loans, and invested $334,452 of mortgage proceeds in 
the form of improvements to the property. We must conclude, therefore, 
that decedent retained $210,503.77 of mortgage proceeds for his personal 
use. <>

	On the date of the transfer to the trust, the mortgage liabilities 
totaled $780,000. In addition, there was $5,908.34 of accrued interest on 
such liabilities and $124,573.58 of expenses incurred by decedent--both of 
which were assumed and paid by donee. Of this last amount, $117,716.53 had 
been spent for permanent improvements to the property. The parties are in 
agreement that decedent's adjusted basis for the property on the transfer 
date to the trust was $485,429.55, and that the excess of the outstanding 
mortgages, interest, and other liabilities over the adjusted basis of the 
property was $425,051.79.

	We believe that the posed question--whether this last named figure is 
gain to decedent--is governed by Crane v. Commissioner, 331 U.S. 1 (1947). 
Therein, a taxpayer inherited income-producing realty subject to a 
nonrecourse mortgage in an amount equal to the value of the property. Upon 
sale of the property, subject to the mortgage, taxpayer received net cash 
proceeds of $2,500 which she maintained was the amount realized on the 
sale. This sum, less her zero (equity) basis in the property, was the 
amount she reported as gain. The Supreme Court disagreed, however, stating 
that her basis in the inherited property was its value and further 
determined that the amount realized on the sale was equivalent to the cash 
received plus the nonrecourse mortgage taken subject to by the purchaser.

	Upon reflection, it becomes clear that under both section 1001(a) and 
Crane v. Commissioner, <> supra, decedent received a tangible 
economic benefit as measured by the excess of the mortgages, interest, and 
other assumed liabilities over the adjusted basis of the property. The 
Supreme Court indicated the nature of this economic benefit when it stated 
in Crane (331 U.S. at 14):

we think that a mortgagor, not personally liable on the debt, who sells 
the property subject to the mortgage and for additional consideration, 
REALIZES A BENEFIT IN THE AMOUNT OF THE MORTGAGE AS WELL AS THE BOOT. If a 
purchaser pays boot, it is immaterial as to our problem whether the 
mortgagor is also to receive money from the purchaser to discharge the 
mortgage prior to sale, or whether he is merely to transfer subject to the 
mortgage--it may make a difference to the purchaser and to the mortgagee, 
but not to the mortgagor. Or put in another way, we are no more concerned 
with whether the mortgagor is, strictly speaking, a debtor on the 
mortgage, than we are with whether the benefit to him is, strictly 
speaking, a receipt of money or property. We are rather concerned with the 
reality that an owner of property, mortgaged at a figure less than that at 
which the property will sell, must and will treat the conditions of the 
mortgage exactly as if they were his personal obligations. IF HE TRANSFERS 
SUBJECT TO THE MORTGAGE, THE BENEFIT TO HIM IS AS REAL AND SUBSTANTIAL AS 
IF THE MORTGAGE WERE DISCHARGED, OR AS IF A PERSONAL DEBT IN AN EQUAL 
AMOUNT HAD BEEN ASSUMED BY ANOTHER. [Fn. ref. omitted; emphasis supplied.]


	Notwithstanding the tangible economic benefit which decedent received 
from this transaction, it is petitioner's contention that the transaction 
hereunder was a mere gift and, as such, no Federal income tax consequences 
result. <> This contention begs the question. The conclusion 
naturally follows that a bona fide gift triggers no income tax 
consequences to the donor. However, such is not the case here.

	In the instant case, we believe that decedent has taxable income upon 
the disposition of the encumbered property. The transaction may be viewed 
as a combination gift and sale. The transaction's gift appearance is 
determined by the net gift portion of the transfer, amounting to the 
$14,518.08 equity in the property at the time of transfer, and its sale 
aspect is measured by the taxable portion heretofore described. A part 
gift, part sale transaction will result in tax consequences to the donor 
and we have so held. <> Johnson v. Commissioner, 59 T.C. 791, 
807 (1973), affd. 495 F.2d 1079 (6th Cir. 1974). Since the assumption of 
the nonrecourse mortgage notes requires their inclusion in the amount 
realized under Crane v. Commissioner, supra, the result in the case sub 
judice is a partial sale. See also sec. 1.1001-1(e)(1), Income Tax Regs.

	Petitioner argues further that the transaction at hand was a bona fide 
gift since the mortgage liabilities on the property were incurred many 
years beforehand. In support of this argument, he points to the mortgage 
history schedule which indicates that within the approximate 3 3/4-year 
period preceding the gift, only $37,001.77 of the mortgage funds had been 
borrowed.

	This argument misses its mark. While the timing of the loans may be 
evidence of a lack of an overall plan to bail out mortgage proceeds from 
the very start, as under Johnson v. Commissioner, supra, nevertheless, 
decedent has reaped a tangible economic benefit from this transaction and 
such economic benefit is subject to tax under the rationale of Crane v. 
Commissioner, supra.

	Decedent's purported nontaxable transfer also fails to withstand 
scrutiny under the constructive receipt of income theory. Section 61(a) 
provides, in relevant part, that gross income means all income from 
whatever source derived, including (but not limited to) 15 separate items. 
Income from discharge of indebtedness, under section 61(a)(12), is one 
item includable in gross income. Thus, the assumption of a debt by a 
donee, that benefits the donor, is generally regarded as the constructive 
receipt of income. Old Colony Trust Co. v. Commissioner, 279 U.S. 716, 729 
(1929).

	A nonrecourse mortgage debt is a debt of the property owner since he 
is, in reality, a quasi-obligor on the debt, notwithstanding the fact that 
the debt is owed by the property. Cf. Woodsam Associates, Inc. v. 
Commissioner, 16 T.C. 649, 654 (1951), affd. 198 F.2d 357 (2d Cir. 1952). 
This means that gain is realized where a mortgage debt is assumed by the 
donee since such assumption is the equivalent of the constructive receipt 
of cash by the donor. Crane v. Commissioner, 331 U.S. at 13-14.

	Finally, by the trustee taking the 20-24 Vesey Street property subject 
to the mortgages, he also assumed the unpaid or accrued interest 
liabilities. Clodfelter v. Commissioner, 48 T.C. 694, 701-703 (1967), 
affd. 426 F.2d 1391 (9th Cir. 1970). The outstanding liabilities <> which were assumed and paid by the trustee are similarly treated as 
includable in decedent's amount realized on the transfer since decedent 
was relieved of a personal liability. Crane v. Commissioner, supra.

	Therefore, after a careful review of the entire record and for all of 
the above reasons, we hold that decedent realized gain to the extent of 
$425,051.79 upon the transfer of the 20-24 Vesey Street property, 
encumbered beyond its adjusted basis and with outstanding liabilities, to 
a trust for the benefit of his grandchildren.

	Because of concessions,

	                                Decision will be entered
	                                under Rule 155.


<>

	1/ Unless otherwise specified, all statutory references are to the 
Internal Revenue Code of 1954.

	2/ Petitioner Anna Levine is a party herein only because of the joint 
returns she filed with decedent.

	3/ Cf. Huckle v. Commissioner, T.C. Memo. 1968-45.

	4/ Petitioner argues that he did not stipulate that any mortgage 
proceeds were ever "retained as cash" by decedent; however, he has offered 
no proof that this balance of the mortgage proceeds ($210,503.77) was 
devoted, at any time, to the improvement of the subject property.

	5/ On brief, petitioner asserts that Crane v. Commissioner, 331 U.S. 1 
(1947), is limited to sale transactions and is, therefore, inapposite to 
the case at hand. Petitioner offers no support for this assertion. To the 
contrary, ample authorities exist that have applied the doctrine of the 
Crane case in numerous situations. See Commissioner v. Fortee Properties, 
211 F.2d 915 (2d Cir. 1954) (condemnation); Bolger v. Commissioner, 59 
T.C. 760 (1973) (net lease); Mayerson v. Commissioner, 47 T.C. 340 (1966) 
(unassumed mortgage purchase).

	Furthermore, a close reading of the Crane case discloses that the basis 
for the Supreme Court's decision was not the form of the transaction but, 
rather, was the benefit which the transferor derived from the transaction. 
See Crane v. Commissioner 331 U.S. at 14. This economic benefit is present 
whether the transaction is labeled a sale or a combination gift and sale. 
Cf. Malone v. United States, 326 F. Supp. 106 (N.D. Miss. 1971), affd. per 
curiam 455 F.2d 502 (5th Cir. 1972).

	6/ Under petitioner's rationale, for instance, a taxpayer could place a 
$95,000 mortgage on a property valued at $100,000 and with a basis to him 
of $5,000. He would then pocket the $95,000 in cash and donate the 
property, tax free, to a donee who would take the property subject to the 
mortgage. On the other hand, if that game taxpayer had sold the property, 
he would have realized $95,000 in gain.

	This result is even more ludicrous if the donee sells the encumbered 
property upon receipt. In the example, the donee would realize a gain of 
$95,000, the excess of $100,000 realized over a substituted basis of 
$5,000. This amount realized would be further reduced by the applicable 
capital gains tax on $95,000. In essence, the $95,000 gain and the 
accompanying tax could exceed the value of the property. Therefore, under 
petitioner's gift theory, a donor of encumbered property would be at a 
significant economic advantage, whereas the donee of such property would 
be at a material economic disadvantage, a result which we cannot believe 
Congress intended.

	7/ The record is silent on the question of whether the donor used any 
portion of the loan proceeds to pay the gift tax on the transfer as in 
Johnson v. Commissioner, 59 T.C. 791 (1973), affd. 495 F.2d 1079 (6th Cir. 
1974). Nevertheless, Johnson has been interpreted to stand for the 
combination gift and sale transaction. See Hirst v. Commissioner, 63 T.C. 
307 (1974), affd. 572 F.2d 427 (4th Cir. 1978). Compare Turner v. 
Commissioner, 49 T.C. 356 (1968), affd. per curiam 410 F.2d 752 (6th Cir. 
1969) (net gift), with Johnson v. Commissioner, supra (part gift, part 
sale).

	8/ Of the $124,573.58 of expenses incurred by decedent in 1969 and 
accrued and paid by the trust, $117,716.53 represents permanent 
improvements to the 20-24 Vesey Street property and, as such, has been 
added to that property's adjusted basis. Therefore, the inclusion of this 
sum in the amount realized is a "wash," resulting in a net increase in the 
amount realized of $6,857.05.