City of St. Louis (independent city)
Title Survey in St. Louis, MO
Title Survey in St. Louis
Title insurers in St. Louis often list a general survey exception unless a current survey is supplied. On older city property that exception can hide real issues, such as a fence over the line, a shared driveway with no recorded agreement or a garage built partly on a neighboring lot. A title survey in St. Louis compares the recorded description with conditions on the ground and reports what it finds, giving the title company what it needs to decide on coverage.
This matters for rehab buyers and investors purchasing tax-sale or LRA property, where records may be thin and boundaries have not been checked in years. The survey is drawn to Missouri's minimum standards for property boundary surveys and references the deed and city block. Survey Coordinator asks which title company is involved, schedules a licensed surveyor who knows city records and delivers the signed survey in time for closing.
When you need one
- Your title company or lender asks for a survey before closing
- You want title insurance without a general exception for survey matters
- The title commitment lists easements or restrictions and you want to see where they are
- You're buying land or a home where a fence, driveway or building may sit near a line
- You're refinancing and the lender requires a current survey
Title Survey questions in St. Louis
Is a title survey the same as an ALTA survey in St. Louis?
Not quite. An ALTA/NSPS survey follows a national standard and is common for commercial loans. A title survey for a house or small rental is usually a boundary survey prepared with the title commitment in mind, which is simpler and suited to residential closings.
Why would a St. Louis title company ask for a survey on a tax-sale property?
Properties that sold at tax sale or through the LRA have often gone years without anyone checking the lines. A current survey lets the title company see encroachments or access problems before issuing a policy without a general survey exception.
Other surveys in St. Louis, MO
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