What is a Surveyor?
REtipster provides real estate guidance — not legal advice.
The information in this article can be impacted by regional legislation and other unique variables. For the real deal, always consult with a qualified legal professional before taking action.
What Does a Surveyor Do?
Surveyors are hired to verify property boundaries and prepare detailed drawings before finalizing the purchase of property or beginning a construction project. Surveyors handle the maps and plots for deeds and other legal documents.
When a surveyor prepares a land survey, it can be used to determine the legal description of a property, the size of a parcel, the location of structures and any improvements on a property, the location of easements and restrictions on a property, flood areas, and encroachments, among other things.
For example, a property survey will:
- Certify the legal description for the property and identify the precise property boundaries.
- Disclose any rights-of-way, restrictions or easements that allow other property owners or utility companies the right to access portions of a property, so the owner will know not to build in a location that infringes on the utility company’s rights.
- Certify that there are no gores, gaps, or overlaps between the subject property and any adjacent properties.
- Identify any surface water on the subject property, location of flood zones, and uncover evidence of suspected underground water so the owner can get a more specific inspection if needed.
- Determine a property’s zoning classification and any zoning restrictions that affect any future plans for construction.
- Make sure the property owner avoids building on a cemetery or family burial ground.
If a property owner is in a heated dispute with their neighbor over the placement of a fence or the ownership of a rotting tree, a surveyor can help settle the issue without bloodshed.
Surveyors often work for the county government or for private engineering firms. They are also hired by individual property owners to verify the metes and bounds of a property (usually prior to closing).
When to hire a Surveyor
If you’re investing in vacant land, there are things you need to know that affect a property’s value that often can’t be seen from a satellite map or the seller’s description (not to mention, many vacant lots don’t even have a registered street address, which makes them difficult to find with conventional mapping tools).
A land survey answers some important questions:
- Are there any land features such as steep hills or flood zones that would make development difficult?
- Is the land accessible? If there are no roads available, can you obtain an easement?
- What utilities are available and will you be able to arrange them on your own if they’re not?
- Are there any restrictions that will affect your plans for development?
- Are there any easements, encroachments, or rights-of-way that might interfere with planned use or development of the property?
- What is the precise size, shape, and dimensions of the property?
Land surveys are put together when a surveyor creates or follows the property’s legal description (as written in the recorded deed) and referencing all the other title documents of record that affect the property.
If you plan to build a new structure on your land, a survey will help you verify the amount of space you have available to build in accordance with the local zoning and planning department, which plays an important role in perfecting the building plans.
For construction projects, the surveyor prepares maps and reports for site plan approval, locating the construction project, size limit of structures, proper foundation depth, elevations, use restrictions on the property and whether any other easements cross over the subject property, The surveyor is often asked to certify the survey to the construction lender, title company, and parties having an interest in the construction project.
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Understanding Different Types of Surveys
Because a land investor’s survey needs are different than those of a homeowner adding a garage—and both are different from the needs of a lender—there are many different types of surveys.
These are some of the most common, although the commonly known names may be slightly different depending on where you live.
Mortgage or ALTA/ACSM Survey
This is the comprehensive survey most lenders need for underwriting requirements. It ensures the property is as described in the legal documents and covers all the features and characteristics of the property.
This is the survey a homeowner would get to identify and verify the legal boundaries of a property.
This is a boundary survey augmented with information about interior improvements. It’s usually used for lending purposes and zoning permits.
Site Planning Survey
This survey combines a topographic survey of roads, ditches, utilities, and embankments with a boundary survey. Site planning surveys are used to design home lots and subdivisions, commercial and industrial developments, transportation infrastructure, and recreational facilities.
If you invest in vacant land you want to develop a larger parcel, a subdivision survey is necessary to divide the parcel into lots or tracts. It’s filed with the county recorder and used to design streets, drainage, and other essential elements.
Who Pays for a Surveyor?
That depends on why the survey is done. If your lender needs a mortgage survey, then the borrower will pay the surveyor fees in their closing costs.
On the other hand, if an easement issue caused a lien against a property, the seller may need to hire a surveyor to get it resolved before the property can be sold. In that case, the seller pays the fee.
Surveyor costs vary depending on the size of the parcel and the complexity of the survey. According to national averages, you can expect to pay about $500 – $1,000 per acre for a property survey.
Reviewed by Mark H. Zietlow, Innovative Law Group
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