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It is perfectly fine for the homeowner to cut it down the town won't mind. The town is responsible for the maintenance and upkeep of the trees between the curb and the sidewalk, and if you cut it down without notifying them, you risk a legal entanglement (fines, replacement costs etc) with the town. Therefore, the real answer to this lies with each town. Call your town hall before doing anything to the tree.

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Q: Whose tree is it that is between sidewalk and curb.Is it the home owners or the towns.Who can cut down the tree.?
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