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Title & ownership · 4 min read

Survey vs. title search: what each one checks

A title search follows the records. A survey relates evidence on the ground to the property description. Learn when their findings need to be considered together.

Licensed-surveyor style anonymous adult worker using a survey tripod in open grassy residential ground

A fence can look like the edge of a yard without establishing the legal boundary. A recorded easement can affect a property even when no obvious sign marks it. Those two examples show why reviewing ownership records and understanding a property's physical layout are different jobs.

A title search and a survey provide different evidence for your purchase. Neither label, by itself, tells you the scope of work ordered. Before deciding whether a document is enough, ask what question you need answered: who owns the property, where a boundary lies, or what another person may be entitled to use.

The title search starts with documents

Title work examines records relevant to ownership and the proposed transaction. Depending on the property and assignment, those records may include deeds, mortgages, releases, liens and recorded easements. The results help the title professionals determine what needs attention before a policy can be issued. The CFPB describes title services as including the search, insurance and related issuance work. CFPB closing-services guidance.

A record of an easement may identify the instrument that created it. Understanding where its described area falls on the property can require survey work as well as legal interpretation. Start with our guide to what a title search can find when your concern is ownership history or recorded claims.

The survey connects records and fieldwork

A surveyor's assignment may include researching relevant documents, taking field measurements and preparing a drawing. The type of survey and agreed scope determine the detail. The ALTA/NSPS land title survey standards, often used in commercial transactions, expressly combine fieldwork, a plat or map, relevant documents and agreed optional items. They should not be treated as the specification for every residential purchase. ALTA/NSPS standards.

Ask the surveyor what will be located or shown, which documents are needed, and what the finished work can be used for. A diagram supplied for a different purpose may not answer your question about a proposed addition, shared driveway or fence. Obtain the required scope before ordering, so you do not pay for a document that the lender or title insurer cannot use.

A lender's request is only one consideration

If your lender does not request a particular survey, that does not establish that every boundary or access question has been resolved. Consider your own intended use of the property. Explain a planned garage, fence or driveway change to the appropriate professionals before relying on assumptions made during a showing.

A survey also does not replace the title policy or decide every legal disagreement. Ask the title professional which survey-related matters are excepted from the proposed coverage and what, if anything, would change after review of new survey evidence. Our easement guide explains the questions to raise when another person's rights may affect the land.

Work through a shared-driveway example

Consider a hypothetical purchase where the driveway crosses a narrow strip beside the neighbor's garage. Title research finds a recorded access agreement. A survey may help show how the driveway and the described access area relate to the parcels. Counsel can then evaluate the agreement's terms and your intended use.

Finding the agreement is a useful first step; it does not answer every practical question. Who maintains the surface? Does the language address the use you have in mind? Does the driveway sit where the document describes? Give the actual documents and questions to the professionals reviewing the transaction rather than trying to resolve them from the listing photograph.

Aerial-like elevated view of a modest property with a stone boundary wall and side path

Coordinate the two requests early

Give the closing team any prior surveys, plans or boundary correspondence you already have through its approved document channel. Identify the concern in plain language. Ask who orders any additional work, who receives it, what approvals are needed and whether the contract deadline leaves room to address a finding.

For title-search coordination, start with the property address and the issue you want understood. An organized request lets the search, survey and legal review support the same decision: whether the property and proposed transaction meet your needs. It does not require you to become your own surveyor or title examiner.

Your next step

Tell the closing team about a boundary, access or planned-use question before the closing date is fixed.

Discuss your property

About the author

Daniel S. Balkun

President & Founder. Dan has worked in title and closing since 2004 and opened Balkun Title & Closing in June 2016.

Sources

General educational information. Application depends on the transaction, current law and the documents involved.

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