{"id":6316,"date":"2025-02-10T07:35:05","date_gmt":"2025-02-10T12:35:05","guid":{"rendered":"https:\/\/www.deeds.com\/articles\/?p=6316"},"modified":"2025-02-10T07:35:08","modified_gmt":"2025-02-10T12:35:08","slug":"how-do-i-get-a-deed-for-a-home-i-build","status":"publish","type":"post","link":"https:\/\/www.deeds.com\/articles\/how-do-i-get-a-deed-for-a-home-i-build\/","title":{"rendered":"How Do I Get a Deed for a Home I Build?"},"content":{"rendered":"\n<figure class=\"wp-block-image aligncenter size-full is-style-rounded is-style-rounded--1\"><img loading=\"lazy\" decoding=\"async\" width=\"1320\" height=\"797\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/02\/how-do-i-get-a-deed-for-a-home-i-build.webp\" alt=\"\" class=\"wp-image-6317\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/02\/how-do-i-get-a-deed-for-a-home-i-build.webp 1320w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/02\/how-do-i-get-a-deed-for-a-home-i-build-300x181.webp 300w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/02\/how-do-i-get-a-deed-for-a-home-i-build-1024x618.webp 1024w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/02\/how-do-i-get-a-deed-for-a-home-i-build-768x464.webp 768w\" sizes=\"auto, (max-width: 1320px) 100vw, 1320px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Great question! We generally talk about \u201c<a href=\"https:\/\/www.deeds.com\/copy-of-your-deed\/\">getting a deed to a home<\/a>.\u201d But the accurate phrase would be \u201cgetting the deed to the land.\u201d The actual, built home does not have a deed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Let\u2019s go a bit deeper. What do people who build their own homes need to know about their deeds?<\/p>\n\n\n\n<!--more-->\n\n\n\n<h2 class=\"wp-block-heading\">Is a Home Built by the Land Owner Automatically Covered by the Original Deed to the Land?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A person who buys land from a seller gets a deed that designates ownership to a specific parcel <em>with all improvements<\/em>. This means the owner holds the deed to land plus buildings constructed on it already, or later.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A deed could state exceptions and restrictions. A buyer should read it carefully. The buyer needs to know that nothing appears in the deed language to rule out any future goals for the land.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Your deed should be on record with the county, and you should have the stamped original in your records. &nbsp;<\/p>\n\n\n\n<p class=\"has-accent-5-background-color has-background has-small-font-size wp-block-paragraph\" style=\"padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\"><em><strong>Some local deed recorders make property records available online. Check with your county recorder. Contact your local recorder by using the state and local listings <\/strong><\/em><a href=\"https:\/\/www.deeds.com\/recorder\/\"><strong><em>here<\/em><\/strong><\/a><em><strong>.<\/strong><\/em><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Should a Buyer Who Plans to Build on the Land Purchase Title Insurance?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">As a good general rule, yes, it makes sense to buy a title insurance policy when buying the land.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Building a home is a massive investment. It takes time, money, vision, and stamina. A buyer can be more confident about the decision to build when a good <a href=\"https:\/\/www.deeds.com\/articles\/home-buyers-cover-your-assets-choosing-between-standard-and-extended-title-insurance\/\">title insurance<\/a> company is committed to protecting the title.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">OK, what about later on? Title insurance is something you buy at the initial point, when you formally receive the deed. So, what if you already own the land, and didn\u2019t get a title insurance policy?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In this case, speak to a title company near the site where you are building the new home. A title company might agree to put a policy in place for the title with a new structure. If so, the title specialist can walk you through the necessary paperwork. If you have ownership of land <em>and<\/em> a home backed by a title company, you have hedged your risks.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">How Does a Buyer Get the Deed After Builder-Financed Construction?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Many buyers have general contractors handling the building of their new homes. Where this is the case, a builder might finance the project. This means the builder takes care of:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Working with engineers and architects in creating the building plans.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Applying for the necessary permits, approvals, and exemptions.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Ordering the building inspections and ensuring the work is up to code.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Taking this route involves getting a construction loan that becomes a mortgage on the home. In these agreements, the borrower deeds the property to the builder. After the home construction is done, the borrower buys the home from the builder and receives a new deed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The parties can prepare the deed themselves. Often, they have an attorney review, or prepare, the deed that transfers ownership and control from builder to borrower. &nbsp;<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Is a Property Survey Necessary?<\/h2>\n\n\n\n<figure class=\"wp-block-image alignright size-full is-style-rounded is-style-rounded--2\"><img loading=\"lazy\" decoding=\"async\" width=\"449\" height=\"674\" src=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/02\/is-a-property-survey-necessary.webp\" alt=\"\" class=\"wp-image-6318\" srcset=\"https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/02\/is-a-property-survey-necessary.webp 449w, https:\/\/www.deeds.com\/articles\/wp-content\/uploads\/2025\/02\/is-a-property-survey-necessary-200x300.webp 200w\" sizes=\"auto, (max-width: 449px) 100vw, 449px\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Absolutely. A surveyor works with the current deed to the land \u2014 as well as maps and historical records \u2014 to verify boundaries and dimensions. A survey report affirms every detail of the land you have. It locates, among other elements:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>All measurements and all boundaries. It shows that the planned building doesn\u2019t go over the lines or required setbacks from the public right of way.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Structures including buildings, accessory housing units, walls and fences on the land.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Natural features and landmarks.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Access routes and walkways.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Water and sewer systems.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Utility easements and other areas where digging or building is restricted.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">The <a href=\"https:\/\/www.deeds.com\/articles\/the-property-survey-do-you-need-one\/\">property survey<\/a> is key to averting disagreements with neighbors. The surveyor looks for any existing&nbsp;<a href=\"https:\/\/land.az.gov\/mapping-services\/sco\/about-public-land-survey\" target=\"_blank\" rel=\"noreferrer noopener\">public survey<\/a>, and cross-checks adjacent property deeds. The survey report should spot any conflicts between landowners. This way, buyers can spot any areas that need resolution (for example, through <a href=\"https:\/\/www.deeds.com\/articles\/what-is-an-implied-easement-and-could-your-property-have-one\/\">easement<\/a> agreements).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">To find professionals who can update the survey to account for your new building, check with the county recorder of deeds&nbsp; for the existing land survey, and look for the company\u2019s name on it. Bringing someone out who has familiarity with the property and the earlier surveyor\u2019s field notes could make your new survey simpler to complete. Another resource is the list of&nbsp;<a href=\"http:\/\/nsps.site-ym.com\/?page=state_affiliates\" target=\"_blank\" rel=\"noreferrer noopener\">National Society of Professional Surveyors<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">No Bank Was Involved. Does the Owner Have a Deed to Prove Ownership?<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">So, you financed the work without applying for a construction loan. That\u2019s fine. As noted above, someone who buys land receives a deed that proves the title belongs to the buyer. As long as the deed language says the deed includes all improvements, you\u2019re good.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">In short, a house you build does <em>not <\/em>require the creation of a new deed. If you accomplish the work independently of a bank, you already hold the deed. Your local building department has the information you\u2019ll need. You\u2019ll work with it to:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Submit your initial building plans.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Get the building approvals and permits.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Complete a series of inspections.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Receive the certificate of occupancy.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A survey matters, even with no lending company requiring it. A survey attests to the continued accuracy of the&nbsp;deed\u2019s <a href=\"https:\/\/www.deeds.com\/articles\/the-importance-of-a-legal-description-in-a-real-estate-deed\/\">legal description<\/a>. If there are new landmarks and structures on the land, the legal property description needs to reflect their presence. That starts with the survey.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Keep this in mind, too. One day in the future you might decide to transfer the deed. At that time, a title insurer will go over your updated survey, checking for any difference between the survey report and what\u2019s in the county records. If you commission a survey, you\u2019re prepared to address any conflicts or uncertainties.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">When in Doubt, Ask a Pro<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you hire a general contractor to handle the construction, or do the work with your own hands, getting the deed to your new home is the core of ownership. The integrity of your title depends on the way you carry out the tasks surrounding this core.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So take notes. Keep receipts. And don\u2019t hesitate to ask for guidance. The title company and its real estate law pros are there to provide the answers you seek.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><em>Important note: <\/em><\/strong>This blog does not constitute legal or financial advice.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Finally, because decisions made in the run-up to construction impact taxes, speak with a tax pro in advance. For example, what\u2019s the cost basis of your newly constructed home? Must you pay taxes on the value of your own work on your new home? And so on.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Best wishes as your plan comes together.<\/p>\n\n\n\n<div class=\"wp-block-group has-accent-5-background-color has-background has-small-font-size is-layout-flow wp-block-group-is-layout-flow\" style=\"padding-top:var(--wp--preset--spacing--20);padding-right:var(--wp--preset--spacing--20);padding-bottom:var(--wp--preset--spacing--20);padding-left:var(--wp--preset--spacing--20)\">\n<p class=\"wp-block-paragraph\"><strong>Supporting References<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Fayette County, Pennsylvania Recorder of Deeds: <a href=\"https:\/\/www.fayettecountypa.org\/Faq.aspx?QID=162\" target=\"_blank\" rel=\"noreferrer noopener\">Deeds FAQ<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Landtrust National Title Services Corporation (Chicago), via <em>MyLandTrust.com<\/em>: <a href=\"https:\/\/mylandtrust.com\/blog\/the-importance-of-land-surveys-for-new-build-buyers\/\" target=\"_blank\" rel=\"noreferrer noopener\">Blog \u2013 The Importance of Land Surveys for New Build Buyers<\/a> (Apr. 20, 2023).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">ThinkGlink Newsletter, via <em>ThinkGlink.com<\/em>: <a href=\"https:\/\/www.thinkglink.com\/2004\/08\/20\/building-a-home-on-purchased-land\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ask Ilyce \u2013 Best Money Moves. Building a Home on Purchased Land<\/a> (Aug. 20, 2004).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Turner and Son Homes, via <em>TurnerandSonHomes.com<\/em>: <a href=\"https:\/\/www.turnerandsonhomes.com\/blog\/deed-land-to-my-builder\" target=\"_blank\" rel=\"noreferrer noopener\">Blog \u2013 Do I Have to Deed My Land to My Builder<\/a>? (Oct. 22, 2017).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">And as linked.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>More on topics: <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/whats-best-to-buy-existing-home-new-construction\/\">Whether to buy an existing home, or to build one<\/a><strong>, <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/building-an-addition-shed-or-cottage-know-your-homes-setback-requirements\/\">Know your setback requirements<\/a>, <a href=\"https:\/\/www.deeds.com\/articles\/how-real-estate-legal-descriptions-and-surveys-work-together\/\">Survey and the legal description<\/a><strong>, <\/strong><a href=\"https:\/\/www.deeds.com\/articles\/lien-in-a-primer-on-mechanics-liens\/\">Mechanic\u2019s (construction) lien<\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Photo credits: <a href=\"https:\/\/www.pexels.com\/photo\/man-drilling-a-wooden-girder-8829875\/\" target=\"_blank\" rel=\"noreferrer noopener\">Ron Lach<\/a> and <a href=\"https:\/\/www.pexels.com\/photo\/a-man-holding-a-floor-plan-6474484\/\" target=\"_blank\" rel=\"noreferrer noopener\">Tima Miroshnichenko<\/a>, via Pexels\/Canva.<\/p>\n<\/div>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Great question! We generally talk about \u201cgetting a deed to a home.\u201d But the accurate phrase would be \u201cgetting the deed to the land.\u201d The actual, built home does not have a deed. Let\u2019s go a bit deeper. What do people who build their own homes need to know about their deeds?<\/p>\n","protected":false},"author":2,"featured_media":6317,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[131,105],"tags":[2188,2190,760,2191,521,2189,358,2192,2193,720],"class_list":["post-6316","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-real-estate","category-title","tag-builder-financed-construction","tag-deed-for-home-construction","tag-deed-transfer","tag-home-building","tag-land-ownership","tag-land-purchase","tag-property-deed","tag-property-survey","tag-real-estate-ownership","tag-title-insurance"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.6 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>How Do I Get a Deed for a Home I Build? - Deeds.com<\/title>\n<meta name=\"description\" content=\"Wondering how to get a deed for a home you build? 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