How Do You Read a Legal Lot Description
Including an authentic legal belongings description is essential when real estate is being transferred or mortgaged.
In lodge to transfer buying of existent estate, the deed must contain a unique legal description of the property that identifies information technology. Similarly, to have a valid mortgage on a property, the mortgage besides must comprise this legal clarification.
It will also exist used for a title search, and appear on the title insurance policy.
Read Your Property Act
All deeds in the property'due south concatenation of title should have an identical legal clarification. It will unremarkably be found on the certificate after a phrase like to: "that certain piece or parcel of land described as follows."
If you own property, y'all should have a copy of the deed from when you caused the title. If yous are ownership property, the seller or existent estate amanuensis should have a re-create of the deed.
Deeds, mortgages, and other land documents are typically recorded with a canton government agency, such equally the county clerk or the register of deeds. Each certificate may exist constitute in a particular book of the records, which is referred to every bit a "book" or "liber."
All legal descriptions will betoken the county and state, simply the style in which the description is worded will vary.
Townships in Belongings Descriptions
In nigh states, property descriptions oft include a reference to a township. This goes back to a land survey plan developed by the federal government in 1785.
This plan established diverse north-due south lines, called meridians, and various east-west lines, chosen baselines. This is why you sometimes see a route chosen Base Line Road.
A township is normally a square that is 6 miles on each side, and is designated by its relationship to where a meridian and a baseline encounter.
For case, a township that is the 4th township north of the baseline and the 2nd township east of the meridian will exist designated as "Township 4 North, Range 2 Due east." This may be abbreviated "T4N, R2E." The township may too accept a name, which may be included.
Each township is divided into 36 numbered sections, which mensurate ane mile on each side. Therefore, you may run across a holding description that includes a reference to the township and section, such as:
"That part of the Northwest 1/4 of the Southeast one/iv of Section 35, Town 19 N, Range 13 Due west."
Such descriptions tin can get quite complicated, especially when a slice of property crosses a section or township purlieus.
Including Subdivision Plats
When a developer plans a housing subdivision, a survey is conducted to measure and identify the separate lots that will be sold. This is known as a subdivision plat.
There will exist a plat map, which shows the location and number of each lot. The county may have carve up plat books in which subdivisions are recorded.
For platted subdivisions, the property clarification is simplified. The belongings description used in deeds and other land documents volition refer to the proper noun of the subdivision and the lot number. For example:
"Lot 42, Block three, of North Lakes Subdivision #1, according to map or plat thereof as recorded in Plat Book 62, Page 9, of the Public Records of Orangish County, Florida."
Using Metes and Bounds
Where the belongings is not field of study to a subdivision plat, and especially if it is irregular in shape, you will see more complex descriptions that are designed to allow a surveyor to measure and marking the property boundary.
This is very common in rural areas, and is called a metes and bounds description. It volition outset by describing a point where the measurement begins, which may exist abbreviated POB, for point of commencement. It typically includes township information.
For case:
"Beginning at a point marked past a survey marker on the South side of Jackson Road 150 feet East from the corner formed by the intersection of the East boundary of State Highway 39 and the S boundary of Jackson Road; thence East xc degrees 500 feet; thence South 450 anxiety; thence Due west 250 degrees 450 anxiety; thence direct to the bespeak of beginning; situated in Department seven in Township Xx North, Range Eleven East, Perry Township, Delaware Canton, Indiana."
This is a simple metes and bounds description. They can be much more than complex for irregularly shaped parcels.
Supplemental Property Information
In addition to the legal description, you may see other identifying information on a country document. This is well-nigh often the street address and a belongings tax identification number.
The street address is basically the mailing accost of the holding, which includes the street number and proper noun, city or town, state, and aught lawmaking.
For purposes of keeping property tax records, the local tax assessor's office commonly attaches an identification number to each parcel. This may exist called by diverse names, such as "Tax I.D. Number," "Parcel Number," or "Page Number."
Neither the street accost, nor the tax number, is a sufficient description to transfer or encumber property.
The data provided above should aid you sympathise legal belongings descriptions. Even so, for the purposes of buying or selling belongings, it is usually not necessary to completely understand the details of state descriptions. What is important is that the human activity, mortgage, or other land document contains an accurate property description.
Carefully reading the legal clarification in your document, and comparing it with the legal description in a previous deed, will assist clinch that your document contains the appropriate legal clarification.
Source: https://www.legalzoom.com/articles/understanding-the-legal-description-of-property
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