Boundary Surveys

Boundary Surveys are exactly what the name describes: a survey to establish the true boundaries of a given property. Through previously recorded markers and the establishment of new landmarks, a surveyor will establish the true boundaries of a property and then mark the corners and lines of the plot, using markers such as iron rods, pipes or concrete monuments in the ground, or nails set in concrete or asphalt. In the past, piles of stones, trees or other, less permanent markers were used, which led to confusion when the markers were either destroyed or changed.

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Mortgage Surveys

Mortgage Surveys are simple surveys that, for the most part, determine land boundaries and building locations. They are usually required by title companies and lending institutions when they provide financing to show that there are no structures encroaching on the property and that any structures on the property meet current zoning and building codes. It is important to ensure that you are getting an officially licensed mortgage survey performed by a licensed land surveyor, and not a mortgage inspection, which is a substandard survey that does not adhere to any set standards and is not regulated or accepted as an official land survey.

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ALTA / ACSM Survey

An ALTA Survey, which is actually a shortened title for ATLA/ACSM, is typically used for commercial properties with a set of standards put forth jointly by the American Land Title Association and the American Congress on Surveying and Mapping. ALTA surveys are most commonly used for commercial properties; by having a universal standard, companies can assure themselves of the level of thoroughness and be confident when the results are guaranteed by an ALTA survey. Commercial Boundary Surveys may also be performed, but they do not have the same standards as an ALTA/ACSM Land Title Survey.

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Lot Split Consolidation

A lot split is just that—the splitting of a single parcel into two or more additional parcels. Conversely, a consolidation survey is the combining several parcels into a single parcel. Each municipality maintains different procedural rule for lot splits and consolidations. Most common methodologies include the preparation of a Map of Survey and legal description. Once complete, these instruments are filed at the local county record’s office.

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Elevation Certificate

Your insurance agent may ask you for an elevation certificate. This certificate verifies the elevation of the lowest floor of your house relative to the ground. It is especially important if your house/building is in a high-risk flood area.An elevation certificate is only required if your building was built, or substantially improved, on or after the date of the community’s initial Flood Insurance Rate Map (FIRM). These buildings are considered to be Post-FIRM. Be sure to ask your agent if your house/building is a Pre-FIRM or Post-FIRM building before purchasing your elevation certificate. It’s also beneficial to ask if your community participates in the Community Rating System (CRS) because that means local officials may already have a copy of your elevation certificate on file. See the CRS questions below.

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2132 E. 9th St.
Cleveland, Ohio
Phone 216.751.9000
Fax 216.751.9510