Content of the material
- WHEN DO YOU NEED A BOUNDARY SURVEY?
- How To Get A Property Survey
- Hire A Land Surveyor
- Check The Property Deed
- Search Property Survey Records
- Find A Property Survey Online
- Contact The Previous Surveyor
- Preparing for the Search
- How do I hire a property surveyor?
- Why are property surveys important?
- The Home Property Survey: Know Your Land
- Locate Hidden Property Pins
- Dig Out Your Deed for Additional Info
- How to Find Property Lines for Free
- Homeowner’s Deed
- A Tape Measure
- Existing Property Survey from Mortgage or Title Company
- Existing Property Survey from County or Local Municipality
- Buried Pins
- Use an App
WHEN DO YOU NEED A BOUNDARY SURVEY?
Boundary surveys are commonly called for in the following situations:
- If you’re buying or selling a parcel of land (the mortgage company often requests this survey as part of the loan approval process)
- If clarity is needed between you and your neighbors as to where the property lines are, or to settle encroachment disputes
- If you’re planning to build on your property and want to prevent possible encroachment
- As a requirement for a building permit
- If there is no plat on file, or if it has been awhile since a survey was conducted (especially if improvements are being made on or near your land—boundaries can be forgotten over time)
- As a requirement for satisfying a will
How To Get A Property Survey
Now that you understand the benefits of property surveys, you’re probably wondering how you can get the most precise idea of your property’s legal boundaries. There are several ways to go about getting a property survey.
Hire A Land Surveyor
Luckily for grazing deer and hungry rabbits, not every plot of land is clearly defined and enclosed by a white picket fence. As land shifts over time, some initial property line markers may no longer exist. If you have any questions about property lines, the safest thing to do is hire a land surveyor.
A professional land surveyor is an expert in defining property lines. They use their skills, education and specialized field equipment to create legally binding property surveys. They can even serve as expert witnesses in court cases about land disputes. (Remember when we talked about encroachments earlier?)
During the property survey, a land surveyor will compare historical records and data with any existing markers to accurately define your property lines – and their findings are legally binding. This process takes time, effort and boots-on-the-ground legwork, so hiring a well-respected and well-reviewed land surveyor before purchasing land or beginning any new home expansions is your best bet to avoid any legal issues in the future. Call around for quotes before you decide, and be wary of any too-good-to-be-true low estimates.
Check The Property Deed
Several different types of deeds are used in real estate. A property deed is a written legal document that transfers ownership of a property from the grantor to the grantee. (Not to be confused with a title, which is the actual document that states who legally owns the property.) This type of deed will have several pieces of important information about the property: accurate owner names, exact address, tax map number, legal description, restrictions, and other information like conditions of the transfer and reservations of rights by a prior owner. While some deeds only reference a lot or block number, many include detailed measurements in the form of – yep, you guessed it – a property survey done by a land surveyor.
Search Property Survey Records
While there is no national archive of real estate records, many states require property surveys to be filed with the local government. You can search for property surveys by visiting the courthouse, property or assessor’s office where your new land is located. You will need to manually check transfers, requirements and restrictions on the property. This avenue can be time-consuming, but it’s a free to low-cost way to empower yourself with the knowledge and history of your new property’s legal boundaries.
Find A Property Survey Online
Can’t make it to the courthouse? No worries, many local governments keep property records online. To search for your piece of land, you’ll need specific details about the property you want to look up. Gather as much information as you can, like the street address, boundary descriptions and date of the last survey, and search the official county or assessor’s website where the property is located.
The more information you have, the easier it will be for you to find the survey you need. Not all records will be digitized, but the results of your search may help you narrow down the exact office where your survey is located. You can then call the office and ask if they can mail you a copy of the survey.
Geographical Information System (GIS) maps and property search sites are a better option if you have limited information on your property. However, these sites often charge a fee or require a subscription.
Contact The Previous Surveyor
Land surveyors keep copies of the property surveys they complete. (Legally, the survey belongs to them.) If you know the name and contact information of the previous land surveyor, try reaching out. It’s very likely that, for a fee, they can send you a copy. Land surveys usually last 5 to 10 years after they are completed, so if the previous survey was done a long time ago, it’s probably a good idea to get a new one done even if you locate the official document.
Preparing for the Search
There are even better information sources than your deed. The best (and sometimes most elusive) document you can lay your hands on is the surveyor’s map, or plat. The plat translates that legal confusion of numbers and terms on the deed into pictures. It may also show references to natural landmarks, or triangulation data which may locate a particular point.
Plat-chasing is a major pastime among surveyors. Your plat, if one exists, may accompany your deed. Or it may languish in city or county records (clerks’ or surveyors’ offices would be the best places to search) or reside with a previous owner. Plats of neighboring land are helpful, too. They may show the location of a common boundary.
If you live in a subdivision or built-up area, you may be wondering why your deed’s legal description reads only “Lot 22, Rock Creek Estates” or “Tract A, First Addition.” But these, too, are metes and bounds surveys. The surveyors created several lots at once, so they drew one map of the whole thing. Deed descriptions merely refer to the master plat, which you will find in the public records.
You should also keep an eye peeled for early versions of your property description, surveyor’s notes, and descriptions of roads that border your land. Why? First, to ensure that your deed doesn’t contain mistakes; second, to find out all you can about boundary markers — the key to property lines.
You are now nearly ready to step into the surveyor’s shoes. First, though, you’ll have to gather your equipment. You’ll need a compass, long measuring tape, plumb bob, level, hatchet, some ribbon, and stakes. You’ll also need a willing assistant. Now check your instruments. Do they read in the same numbers as the survey? If not, you will have to translate.
Most people will have on hand the type of compass that uses the directional measurement known as azimuth. Being ornery as a rule, surveyors use another system, called bearings. To learn how to translate one to the other, see the end of the article section “Converting Azimuths to Bearings.”
On to distances. We measure lengths in feet and inches, don’t we? Well, the surveyor uses either feet and tenths of a foot (be very alert for this!) or a venerable system called chains. Don’t panic at this. A chain measures 66 feet. Why 66 feet? Because it’s convenient for land computations. Ten square chains equal one acre — which means to compute acreage rapidly, all you have to do is find the number of square chains, then move the decimal point once to the left. Also, one mile stretches exactly 80 chains.
A hundredth of a chain — about eight inches — is called a link. Old-timers also used a quarter-chain measure (16-1/2 feet), calling it a rod, pole, or perch.
I find that if I’m faced with a description written in bearings and chains when my equipment reads in azimuths and feet, my brain reels at the prospect of translating and tramping about at the same time. It’s far better to translate all the degrees and distances on paper before you set out.
How do I hire a property surveyor?
Searching for property surveyors in your area is one of the best ways to find companies to get the job done.
“There is a surveying society in each of the 50 states, all of which are affiliated with NSPS,” Sumner says. “Each of those societies has a website, which will typically include a ‘Find A Surveyor’ section.”
It can be more cost-effective to work with the previous surveyor on the property, if possible, because that surveyor will have maps and records already on hand. If you can’t locate the prior surveyor, the next best thing is to try to work with the surveyor who assessed the properties next door.
Don’t be afraid to ask your title company or lender for recommendations, too.
You should also take the time to question your potential surveyor. Talk about your needs beforehand to make sure they can fulfill the requirements. Check that the surveyor is licensed to practice in the state where the property is located, Sumner advises.
Be mindful of how much time it takes to complete a survey. Wooll says property surveys can usually be completed within a week, but it could take up to three, depending on the company.
Sumner says there’s no way to determine exactly how long it’ll take to complete a survey since there are so many variables to consider, including the quality and availability of property records, such as deeds.
Why are property surveys important?
While property surveys aren’t required everywhere, they are in many jurisdictions across the country. That’s because they detail how your property is defined in an official capacity. Rather than guessing where your property lines are, you have a document that makes it clear.
Emory Wooll, general manager of Title Partners of South Florida, says property surveys are required for lender title insurance policies.
“In order (for a title insurance policy to be issued), we need to know if there are any encroachments on the property prior to closing,” Wooll says. “They’re usually done before a home purchase, or, say, someone is putting a pool in or a fence.”
Wooll says cities or contractors will require a survey before permits can be pulled. So if you’re hoping to build a pool in your backyard, you’ll need a recent survey completed. While there’s a chance you could use an old survey to pull permits, it’s not always guaranteed. In that case, you may want to get a new survey completed.
The Home Property Survey: Know Your Land
So what have you accomplished? A lot. If you found some corners, you may have staved of a boundary war with your neighbor. Show him or her what you’ve found, so you’ll agree. Then paint a few trees or pile rocks around the spot so it doesn’t go to weeds. Don’t force your grandkids to go through the same search.
Even if you didn’t turn up any corners, your time hasn’t been wasted. You’ve probably dug up some useful old records, and that’s half of what you’d pay a real surveyor for.
Locate Hidden Property Pins
Survey pins are thin iron bars, 2 or 3 feet long and sometimes capped with plastic, which the original survey crew inserted on the property lines. If you have access to a metal detector, move the device over the ground along the sidewalk to the curb to locate the survey pin. Pins may be buried just under the surface, or up to a foot below. A few days before you dig, however, you must call 811, the free, federally designated number that will route you to your local utility company. Ask the utility company to come out and mark any buried lines so you don’t unintentionally hit one. There’s no charge for this service, but if you damage a buried utility line, you could end up having to pay to repair it.
Dig Out Your Deed for Additional Info
In older neighborhoods, property owners may have purchased or sold off portions of their yards. Locating a survey pin won’t give you this information, but the most recent legal description recorded on your deed will list any such changes. If you don’t have a copy of your deed filed with your homeowner records, get one at the register of deeds office, often located within your county courthouse.
How to Find Property Lines for Free
A homeowner’s deed should include a legal description of the plot of land, including its measurements, shape, block and lot number, and other identifiers such as landmarks and geographical features. If the language is tricky, reach out to your real estate lawyer or agent for help in deciphering it.
A Tape Measure
If you want to visually confirm your property lines, you can use a tape measure to determine the boundaries. From a known point detailed in the deed’s description, measure to the property’s edge and place a stake at that point as a marker.
After all the edges have been determined, measure the distance between the stakes. Compare the results to make sure they match the corresponding deed or plat.
Existing Property Survey from Mortgage or Title Company
Most mortgage lenders require prospective homeowners to have a current survey, and your title insurance also depends on it. If you bought your home recently but don’t have the survey, contact either company to see if they have a copy on file.
Existing Property Survey from County or Local Municipality
A property’s history and legalrecords are generally kept in the municipality or county’s tax assessor’s office or in its land records or building department. You can usually begin your search by going online to access the relevant property records. Most municipalities offer this information for free, but some offices may require a small fee or ask that you access the records in person.
At the corners of your property, you may be able to find steel bars that have been buried, sometimes still visible, with a marked cap on the top end. These were likely placed on your land when a survey was completed. If you can’t readily see the pins (they may have been buried over time), use a metal detector to help you locate them.
While this isn’t a legally binding way to determine your property lines, it will give you a good idea of the boundaries. Warning: Before you start digging, call 811, the national call-before-you-dig hotline, to request the location of buried utilities you don’t want to inadvertently dig into an underground utility line.
Use an App
Download an app like LandGlide that uses GPS to determine a parcel’s property lines. LandGlide is free for the first seven days.
Contact your state’s surveyors association once you locate the license number of the original surveyor. For example, in California, you can look up a surveyor by name or license number on the website for the CLSA, or California Land Surveyors Association.
When purchasing property, hire a surveyor to do a current evaluation. Do not rely on an old property survey provided by the owner, because it may not include recent changes to the property that can affect the use and value.
Warning Most lenders will not honor a survey if it is more than six months old.