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Understanding Encroachment in Property Titles: What Homeowners Need to Know

Understanding Encroachment in Property Titles: What Homeowners Need to Know

Understanding Encroachment in Property Titles: What Homeowners Need to Know

One term that can often cause significant issues when dealing with property ownership is “encroachment.” Understanding what encroachment in a title means is essential for current and prospective homeowners, as it can impact property value, usage rights, and legal standing. In this blog post, we will delve into the concept of encroachment, its implications, and how to address it.

What is Encroachment?

Encroachment is when a property owner unlawfully extends a structure or some part of their property onto a neighboring property. This can happen in various ways, such as building a fence, driveway, or even parts of a building that crosses over the property line. Encroachments can be minor, like a fence extending a few inches into a neighbor’s yard, or significant, such as a garage or a house extension on another person’s land.

Types of Encroachments

  1. Minor Encroachments:
    • These typically involve small structures like fences, garden beds, or sheds. While they might seem insignificant, even minor encroachments can lead to disputes and require resolution.
  2. Major Encroachments:
    • These include larger structures such as parts of buildings, garages, or swimming pools. Significant encroachments are more likely to result in legal disputes and can significantly impact property values and usage.

Legal Implications of Encroachment

Encroachments can lead to various legal issues, such as:

  1. Disputes Between Neighbors:
    • Encroachments often cause friction between neighbors. Disputes can arise over property boundaries, usage rights, and maintenance responsibilities.
  2. Title Issues:
    • Encroachments can complicate property titles. When an encroachment is discovered, it can affect the clarity of the title, making it easier to sell or refinance the property once the issue is resolved.
  3. Adverse Possession:
    • In some cases, if an encroachment goes unchallenged for a certain period, the encroaching party might claim ownership of the encroached land through adverse possession laws, depending on local regulations.

How to Identify Encroachments

To identify potential encroachments, property owners can take several steps:

  1. Land Surveys:
    • Conducting a professional land survey is one of the most effective ways to identify encroachments. Surveyors can accurately determine property boundaries and identify structures crossing these lines.
  2. Title Searches:
    • A thorough title search can reveal historical encroachments or disputes that might affect the property. This is especially important when buying a new property.
  3. Physical Inspection:
    • Regularly inspecting your property and the surrounding areas can help identify new encroachments early on. This includes checking fences, driveways, and other boundary structures.

Addressing Encroachments

If you discover an encroachment on your property, there are several ways to address it:

  1. Communication:
    • The first step is often to communicate with the encroaching neighbor. They might not know the encroachment, and a simple conversation can resolve the issue amicably.
  2. Mediation:
    • If direct communication fails, mediation can be a helpful tool. A neutral third party can help both sides agree without legal action.
  3. Legal Action:
    • As a last resort, legal action can be taken to resolve the encroachment. This might involve going to court to remove the encroachment or seek compensation.
  4. Adjusting Property Boundaries:
    • Neighbors agree to adjust property boundaries to resolve the encroachment. This can include redrawing boundary lines and updating property titles.

Conclusion

Encroachment in property titles is a significant issue that can lead to disputes, legal challenges, and complications in property transactions. By understanding encroachment, how to identify it, and the steps to address it, homeowners can protect their property rights and maintain good relations with their neighbors. If you suspect an encroachment, taking proactive steps early on can save time, money, and stress in the long run.

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This is to give you notice that Sonic Loans Inc., Sonic Title Agency LLC, and Sonic Realty LLC have a business relationship. The nature of the relationship between the Referring Party and the provider(s), including percentage of ownership interest, if applicable, is: Sonic Loans Inc., Sonic Title Agency LLC, and Sonic Realty LLC are all 100% owned by the same party. Because of this relationship, this referral may provide any of the above parties with financial or other benefit.
A. Set forth below is the estimated charge or range of charges for the settlement services listed. You are NOT required to use the listed provider(s) as a condition for settlement of your loan on, or purchase, sale, or refinance of, the subject property.
THERE ARE FREQUENTLY OTHER SETTLEMENT SERVICE PROVIDERS AVAILABLE WITH SIMILAR SERVICES. YOU ARE FREE TO SHOP AROUND TO DETERMINE THAT YOU ARE RECEIVING THE BEST SERVICES AND THE BEST RATE FOR THESE SERVICES.
Provider and Settlement Service Charge or Range of Charges
Sonic Realty LLC 1%-6% of purchase price
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Title Search Fee: $250 - $325 (where applicable)
Closing Fee: $450 - $650
Sonic Loans Inc.

This company provides various real estate mortgage loan origination activities either as a third-party originator or a mortgage broker, including loan pre-qualification, competitive bid process (when providing third-party origination services), loan origination, loan pre-approval, loan structuring, processing, and closing.

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Application/Processing Fee: $0.00 - $875.00
Flood and tax service: $0.00 - $95.00
Underwriting Fee: $0.00 - $1295.00
Document Review Fee: $0.00 - $400.00
Appraisal Fee: $0.00 - $850.00
Credit Report Fee: $0.00 - $135.00

Actual charges may vary according to the particular lender selected, the particular services provided, and the underlying transaction, borrower selections, etc. Some or all of these fees may be charged by third parties and/or the Member Mortgage Lender/Mortgage Broker. The Member Lenders and Mortgage Brokers have agreed to pay a fee ranging from 0.5% to 2.75% of the loan amount to Sonic Loans in connection with a range of loan origination services provided by Sonic Loans to the Member Lender/Mortgage Broker. The fees are paid either directly to Sonic Loans by the Member Lender/Mortgage Broker or billed directly to you at closing.
B. Set forth below is the estimated charge or range of charges for the settlement services of an attorney, credit reportingagency, or real estate appraiser that we, as your lender, will require you to use, as a condition of your loan on this property, to represent our interests in the transaction.
Sonic Loans Inc. provides mortgage lender/broker services. Sonic Realty LLC provides real estate brokerage services. Sonic Title Agency LLC provides title insurance and settlement services.

Provider and Settlement Service Charge or Range of Charges
Appraisal Fee $0-$800
Credit Report Fee $63-$125
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