Legal Question in Real Estate Law in California

My husband and I recently purchased a home, it was a bank owned home. In front of our home there is a 100 x 110 lot. This lot is still owned by the family that our home foreclosed on, we understood that when we purchased the house. Now the 100 x 110 lot is for sale. My husband and I would like to purchase the property only we don�t have the funds at this time.

We started to do some landscaping around our home, so I went out to measure the lot to see where the property line is so we don�t tare up any property that doesn�t belong to us. It turns out that a portion of our home is sitting on the 100 x 110 lot. What can we do? Is it legal for the bank to sale a home that is sitting on someone else�s property? Or was it even legal for the lender to approve this loan?


Asked on 11/04/09, 1:17 pm

2 Answers from Attorneys

Terry A. Nelson Nelson & Lawless

If true, you have a claim against the title company, prior owners, etc to make them remedy the problem. You'll have to confirm your suspicion with a formal survey of the property. These situations can frequently be worked out informally with property line realignment via deeds. Get a local attorney experienced in real estate.

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Answered on 11/09/09, 2:48 pm

Mr. Nelson is right that these things are usually worked out informally, and that before you do anything, you should get a professional survey. There's a good chance your measurements are off from what a formal professional survey would show, especially if the land is not perfectly level for example. Slopes are measured for survey purposes as if viewed from the sky. So based on the simplest example of the pythagrean theorum: a 3x4x5 triangle, every four feet surveyed could be five feet measured with a tape on the ground.

If there is an encroachment, there is a process called a lot line adjustment that is usually worked out between the neighbors. It will probably require city or county approval, though, so don't just go recording deeds with new lot line descriptions, or you could run afoul of the Subdivision Map Act. As for who's responsible, Mr. Nelson is wrong that you have a claim against your title company. Unless you specifically asked for and paid a lot extra for a policy endorsement, your title insurance excludes encroachments and anything else that a professional survey would have disclosed.

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Answered on 11/09/09, 3:27 pm


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