📌 What Is a Location Survey in Real Estate?

A location survey in real estate provides a basic mapping of a property’s boundary lines along with the position of existing structures. Unlike a full boundary survey, a location survey offers approximate measurements and is commonly used for zoning compliance, loan approval, and property transactions.

How a Location Survey Works

A surveyor reviews the property deed, performs a visual inspection, and takes general measurements to confirm that existing improvements appear to be located within the property boundaries. This type of survey is less precise than a boundary or ALTA survey but provides enough detail for lenders and zoning offices.

A location survey typically includes:

  • Approximate boundary lines
  • Location of buildings and major improvements
  • General setbacks from property lines
  • Identification of obvious encroachments
  • Verification that structures match deed descriptions

Because it is not as detailed as a boundary survey, a location survey should not be used for construction layout, fencing, or legal disputes.

Why Location Surveys Matter in Real Estate

For Buyers & Lenders:

  • Verifies that buildings sit within the approximate lot boundaries
  • Confirms that improvements match what is recorded in public records
  • Identifies visible encroachments or setback issues
  • Helps lenders assess basic property compliance

For Homeowners:

  • Provides a general layout of the property and improvements
  • Helps identify potential zoning or setback issues
  • Useful for preliminary planning before requesting detailed surveys

Example of a Location Survey

A homeowner refinances their property. The lender requires a location survey to confirm that:

  • The home and garage sit within the lot boundaries
  • No visible encroachments exist from neighbors
  • The lot size and structure locations match public records
  • Setbacks appear to comply with zoning laws

The survey gives the lender enough confidence to approve the loan without requiring a more detailed boundary or ALTA survey.

Why Location Surveys Matter for FSBO Sellers

FSBO sellers often use location surveys to provide buyers and lenders with basic property information without the cost of a full boundary survey.

  • Shows that structures generally sit within the property lines
  • Helps buyers confirm the home's footprint and setbacks
  • Supports lender requirements during financing
  • Reduces the chance of surprises during underwriting

While not legally precise, a location survey offers affordable transparency during a real estate transaction.

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