Understanding 4 types of property surveys

To determine the exact location of her property lines, Dianne hired a surveyor to
At Federal Title and Escrow, we require a property survey for single family home purchase closings. Homebuyers frequently ask us why it is necessary to have a survey.

The main reason we obtain a survey is that the lender providing the purchase financing requires that we issue a lender’s title insurance policy that does not take exception to survey matters, and in order to do that, we need to review a survey.

My recent post discussing encroachments onto neighboring property is an example of how important obtaining a survey can be from a homebuyer’s perspective.

There are several different types of surveys.

The type of survey that we order for closing is called a "Location Survey.” A Location Survey shows the location of the improvements on the property in relation to the apparent boundary lines of the property. It generally involves a physical inspection of the property and is accurate to plus or minus a few feet.

This type of survey will generally cost a few hundred dollars. It should not be used for the purpose of identifying the property’s boundary lines, such as for construction or permit purposes (you'll need a Boundary Survey for that). When you go to closing, you should feel free to ask the settlement attorney any questions you might have about what is shown on the survey.

A "Boundary Survey" is used to identify a property’s boundary lines. In this type of survey, the surveyor will set (or recover) the property corners and produce a detailed plat or map. To accomplish this, the surveyor will research the public records and do research in the field, take measurements and perform calculations.

This type of survey is what is necessary for construction and permit purposes, and it can be expensive — possibly even several thousand dollars — depending on the size of the property and how complicated the records are.

For commercial closings, lenders will usually require a type of survey called an "ALTA/ASCM Survey." ALTA stands for American Land Title p-line">


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