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Property boundaries
Most of the
country house properties have probably been surveyed at one point of time in
the past. When Sandra and Mark decided
to purchase their house, Claude got a licensed surveyor to obtain a copy of the
recorded survey map at the county office in order to find all the boundaries. Since there was no fence or a forest line
that clearly indicated where the property has its limits, the surveyor marked
the existing corners with stakes and flags.
Once the property was surveyed Sandra and Mark were ready to start
discussing offers on their new country house.
Property
boundaries between country house properties are usually outlined in the
description of your access deed. If you
decide to build a fence or any other structure on your land that is close or
right on the property boundaries you have to be hundred per cent sure where
your property lies to avoid legal problems.
You may not anticipate adding a
fence or other structure at the time of buying your country house, but you may
want to in the future, and determining your exact boundary lines at the time of
purchase will prevent any potential problems. If, by mistake, you build something on your
neighbor’s property you will be responsible for trespassing and a court will
order you to tear down the construction.
Some country house
properties, however, do not have survey maps ready so be prepared to encounter
an additional expense since you’ll have to pay the licensed surveyor to do a
complete survey right from the scratch as well as mark the found corners. Real
estate agents always agree that it’s a good idea to know exactly where your
property boundaries are – that way you are less likely to encounter problems
such as property access issues or conflicts with the county offices. It’s important to remember that even if
there’s a survey it might’ve been recorded some time ago, sometimes even
decades ago and that means that the property description is not accurate. The description property should be in
bounds or metes – recorded by a government survey system – or it is referenced
on a recorded map. Again, it may not
give you the exact details about property boundaries that a requested survey
will give you.
One of the first
things a real estate agent does when listing a property for sale is to inspect
it visually to determine its boundaries that are observable by the naked eye
and also to note any potential problems or discrepancies. If the agent decides that the listing
diverts from the advertised description, the agent will reference a surveyor
map and the legal description of the property as well as suggest to the seller
that a surveyor is summoned to establish the exact boundaries. These surveys ensure that all the issues
with boundaries are clarified and if they might’ve chanced because of
landscaping modifications such as added fences or nature’s occurrences such as
a flood.
Until the survey
of the country house land is carried out the real estate agent is not able to
know the following:
·
The actual value of the property and whether it can be sold without
future insurance problems.
·
The agent won’t know if there will be any potential challenges to the
title that may arise from the owner of the property neighboring the country
house property.
·
The agent won’t be able to represent the actual measurements of the land
to its potential buyer.
If there seems to
be any problem with the property boundaries, especially if they’re drastically
different from what the documents say they are, it’s also a good idea for the
agent to find out more information about it, for example, was this problem
caused by malicious actions of a neighbor?
Is there a reason to believe that the area is flooded frequently?
It is also
necessary to ensure that the seller of the country house is able to guarantee
that they will fix all the problems before a purchase is finalized. Any such negotiation has to be done between
the buyer and the seller with full assistance of a real estate agent. The purchase agreement should only be
written if all the property boundaries requirements have been met; if the
information is verifiable and acceptable.
This information should have the land survey included as well as a title
company interpretation. This
documentation should be reviewed by another licensed surveyor such as the
buyer’s hired licensed surveyor or a real estate attorney.
Another
alternative is to file a title lawsuit where you would ask a judge to determine
the actual boundary lines of your property.
This is a more expensive procedure since there are legal filing fees
included and can be perceived as aggressive.
The least expensive and friendly – although not always reliable – method
is to meet with your neighbor and agree on a physical object – for example a
tree or a fence – that can serve as the boundary line between your
properties. If you want to make this
sort of agreement into a semi-legal contract by drawing a quitclaim deed -- that transfers
whatever interest or title a grantor
may have with no warranty – to grant the neighbor ownership to the land that is
negotiable.
In case your neighbor builds on the property
that you think belongs to you, your obligation is to let your neighbor know
immediately. There’s a small risk that
if you don’t react right away, and then decide to go to court later, your
neighbor has grounds to arguing that you’ve given up your right to the
disputable portion of your land.
The court can rule in your neighbor’s favor
if there’s a proof that despite his or her violating of the property access
rights you have not reacted properly and in a timely fashion; a procedure
called prescriptive easement may be ordered.
This is what happens when the court allows your neighbor to have access
to your land if the property boundaries have been uncontested for a specific
lengthy number of years. The court may
grant prescriptive easement that in turn may be allowing your neighbor to use
the land indefinitely.
In rare instances the property boundaries can’t
be remedied to the exact measurements.
You still might choose to buy your country house property but you can
demand a decrease in its value or for the seller to make some other concession
to balance out the risk.
In most cases once you buy a country house
property the land survey will be done and you will get a copy of the
survey that will show the position of the acreage and its lines. Again, because the survey may not be based
on a full field survey of the property, make sure you ask your agent to confirm
that the area is exactly what you expect it to be as only a thorough survey can
guarantee this. For example in the
East, US property lines were originally figured out in colonial times when
surveying equipment was not adequate; there’s an anecdote about a buyer who
built a swimming pool that after a detailed land survey turned out to be on the
neighbor’s property – the neighbor got to keep the pool!
Then there’s the title insurance
policy. A title insurance will insure
the status of the state of title to a specific area of real property in
exchange for a premium paid the
insurance company will assume the risk that the title to the area of the
property is as it is outlined by the policy.
This type of policy indemnifies the property buyer against losses
suffered if title to the property is not as the policy states it to be. However, the title insurance policy does not
protect you against property line disputes – it only protects the buyer from
the ownership issues or liens against the property not found through the title
search.
Because
this the property line disputes and property boundaries sometimes get really
complicated legally here are some general tips to remember when consulting with
your real estate agent before making an offer:
Ask the seller to show
you exactly where all the property lines are and to give you a tour – walk
around them. Request the full
survey of the property and see what its results were.
Talk to your future
neighbors; introduce yourself to whoever borders with your property and
ask the same questions you asked your seller. Make sure that what your seller told you is in agreement
with what your neighbors reveal about your country home property boundaries.
Do it yourself – if
possible get a tape measure and measure the property. Find out where the land records are
kept for the area where your country home is located – a courthouse, city
hall or county office building.
Buy a copy of the drawing of the property (plat) and note all the
distances from the dwelling to the property lines on four sides and see if
the actual measurements match.
When it turns out that
you need to have a complete land survey done contact the planning and
zoning office of the county and get some recommendations for reliable
surveyors – ask your agent to help you with this if you feel
overwhelmed. Once you summon the
licensed surveyor get him or her to mark the property limits with flags or
metal spikes – it will make it easier to build a fence or other structure,
in the future, around your country home property.
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