Content of the material
- What Are Property Lines?
- Why Are Property Lines Important?
- Boundary Line Agreements
- How Boundary Line Agreements Protect From Encroachments
- The Bottom Line
- Why is it Important to Find Property Lines?
- Final Thoughts
- Locate Hidden Property Pins
- Why is it important to know the location of your property lines?
- Free Trial of Property Line App
- 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
- Additional Considerations
What Are Property Lines?
Property lines, or boundary lines, define the points where properties begin and end. These boundaries are used when installing features such as fences, pools and home additions. Some property lines have physical markers, whereas others are invisible.
It’s important to know that a property line in the front of the house determines the measured distance of the land, known as the frontage. In contrast, the property boundaries on the side of your house are known as sidelines. Knowing this information is helpful when property owners are making potential improvements to their home, such as adding a fence or making major landscaping decisions.
Why Are Property Lines Important?
Property lines are important because they eliminate gray areas when it comes to property ownership. Because of property lines, you know exactly what land you’re getting when you begin the process of buying a house. Your mortgage lender and/or title insurance company will need to verify the property lines to help you qualify for a mortgage.
Knowing your property lines is also helpful when starting a home improvement or major landscaping project. You’ll want to have an understanding of where your yard ends and a neighbor’s begins. That way, you won’t end up accidentally building a new addition on your home or putting up a fence around your yard that encroaches on your neighbor’s property.
Finally, being aware of your property lines shows that you’re respectful of the neighboring premises. Knowing the boundaries of your property can help you avoid disagreements with your surrounding neighbors, especially ones that could lead to legal disputes.
Boundary Line Agreements
Boundary line agreements are written legal contracts between neighbors made to settle disputes over property boundaries. They vary slightly by state, but the point is to have a way where property owners can agree on property line usage outside of going to court.
Boundary line agreements are not the same as boundary line adjustments. Boundary line adjustments are made when property owners want to exchange land, redefining the property line between them, typically done without involving money. Boundary line agreements are specifically used when there is a dispute over land and its use.
How Boundary Line Agreements Protect From Encroachments
One of the most common reasons for a boundary line agreement is when a neighbor has encroached on your property by building a structure on it. Often, this issue is only made known because you did a land survey for another project and discovered your neighbor built on your land.
In order to retain the title to that piece of property, you can create a boundary line agreement with your neighbor. In this agreement, your neighbor acknowledges their mistake in encroaching on your property and you allow the structure to remain standing. This allows you to retain legal ownership, your neighbor to use what they built and for you both to stay out of court. You retain the right to the property and if the structure is torn down or destroyed, the neighbor must rebuild it on their property.
If you wish to cede the property to your neighbor, you can file a boundary line adjustment, though you’ll need to pay review fees, and the process takes longer than an agreement. Regardless of your decision, you need to do something if you ever intend to sell or transfer the property. A neighbor’s structure on your property may make things more complicated the longer it goes unaddressed.
The Bottom Line
As a homeowner, it’s crucial that you’re aware of property lines so that you can respect your neighbor’s property and avoid any legal disputes. If you’re struggling to find your home’s property lines, utilize one of the strategies mentioned above, or go online to check. Remember that before you start an outdoor project such as building a fence on the property line, make sure to consult with your neighbor and a real estate agent about your property’s rules and regulations.
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Why is it Important to Find Property Lines?
Property lines are important since they clear up any confusion or arguments regarding where someone’s property begins and where another person’s property ends. Imagine, for example, that you want to plant a new row of hedges in your backyard to increase privacy and to change the aesthetic of your backyard space. However, you don’t have any fences between your property and your neighbor’s. How can you know where you should plant your hedges without technically invading your neighbor’s space? The answer, of course, is property lines. By finding the property lines, you can plant the hedges in a specific spot or row and avoid any legal trouble later down the road.
There are plenty of other examples besides this, as well. For example, if you know the property lines for a given piece of property, you’ll know exactly what land you purchase when you buy a house. Knowing property lines lets you share the information with your mortgage lender or title insurance company. These can help you get faster and even more attractive mortgage or insurance terms. As you can see, it’s important to find property lines for more reasons than just one. Luckily, there are multiple ways in which you can do so!
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Before building a new structure or installing a driveway, it’s vital to have a professional come out and mark the property lines. Property pins can be moved over the years, and in some cases, the boundary may extend past a property boundary marker if a previous owner bought or sold land to a neighbor. In a best case scenario, you may have more land than you thought you did. In a worst case scenario, you may have poured the driveway on the neighbors’ land, and they can make you tear it out.
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.
Why is it important to know the location of your property lines?
Property lines are in place to keep one property owner from encroaching on another owner’s land or compromising their privacy by building too close to their house. A typical encroachment might be tree limbs that grow past your property and overhang into a neighbor’s yard or a driveway poured to extend onto a neighbor’s property. When you know exactly where your property lines fall, you’ll avoid accidentally encroaching on your neighbor’s land.
If you plan to build a permanent structure, you’ll want to be as accurate as possible, and ordering your own land survey is the best option. In most states, you are required to call a diggers hotline 811 to request buried utility information before you build a fence, plant a tree, or extend your driveway. This call ensures you know the location of any buried wires or irrigation systems to avoid causing damage. Within a few days’ notice, someone from your local utility company should be able to mark county wires or pipes with spray paint or flags.
Since property line information can be valuable to someone you may sell your house to, you will want to keep all records. Keep a copy of a new survey you’ve completed, a plat map, or any information from the city or county offices in digital or hard copy format. If you do a new survey, you may also need to register it with your county assessor or recorder. During the sale of a property, the title company will search for encroachment of one property into another. They may refuse title insurance to the seller if they find a property line dispute.
When you know how to find your property lines, you’ll gain peace of mind for any project that could come close to the edge of the property. Showing respect for your neighbor and their property rights can help you avoid a lawsuit.
Free Trial of Property Line App
If you’re viewing properties in areas with cell phone coverage, take advantage of a 7-Day free trial of LandGlide, a property line map app that combines GIS technology and GPS to view on-site property lines and ownership information, by installing it from the Apple App Store or Google Play.
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.
Keep in mind, however, that there is a chance the Google Maps technique outlined above won’t necessarily be as accurate as finding your property lines through other methods.
By far, the most accurate way to find out where your property begins and ends is by reviewing the property survey. If you didn’t receive this information when you originally purchased your home, the chances are high that you can find it by checking your local clerk’s office. You could also have a survey conducted on your own, although this can be quite expensive and depending on your needs may not be worth it.
If you do decide to have a professional survey conducted, make sure to find someone who is licensed in the state you actually live in. They’ll use GPS technology, CAD tools and other solutions to come up with an accurate and precise indication of where your property begins and ends.
You can also check what is called your plat, which is a map that shows a property’s exact measurements. This document will also have an overview of the property lines. Again, in the event that you didn’t receive one when you originally bought your home, you can likely find it by making a visit to your local zoning department.
If your home is older than 100 years old, they may not be able to find the plat. But it’s still worth a try – especially if you’re getting ready for a big backyard project like putting in a new fence.
Finally, you can examine the exterior of your property for what are called survey pins – essentially markers in the ground that were used to determine the exact property lines the last time a survey was conducted.
This also comes with a bit of a caveat, as depending on the age of your home the pins could have been moved over time. Sometimes utility workers may have needed to get them out of the way to perform a certain task, or a pin that was by a tree that has since been removed may have been misplaced.
Having said that, if you combine this technique with some of the other methods outlined above, you will likely come away with a pretty accurate indication of where your property lines begin and end.
If you’re interested in finding out more information about how to make Google Maps show the property lines in your area, or to speak to someone about your own home buying or selling needs in a bit more detail, please don’t hesitate to contact AmeriMac today.