Land Buying Due Diligence Checklist
Everything to verify before you close on a vacant lot, in one place.
This is the full list — most of the individual guides linked below go deeper on the items that trip people up most. LandPilot checks flood zone, wetlands, and several access/utility signals automatically from government data sources; it doesn't replace a survey, title search, or perc test, and it says so on every report rather than guessing.
1. Zoning & permitted use
Confirm with the county that a residential dwelling is a permitted use on this specific parcel — not just that the zoning "sounds" residential.
2. Legal road access
Confirm recorded access to a public road. Landlocked lots often can't get a building permit.
3. Wastewater disposal
If there's no public sewer, confirm a perc test has passed (or will) for septic.
4. Utilities
Get written quotes from the electric and water/sewer providers to hook up this specific parcel. Costs can be substantial.
5. Flood zone & wetlands
Check FEMA flood maps and federal/state wetlands maps for the parcel. A high-risk flood zone changes insurance and construction requirements.
6. Title
Get a title search for liens, judgments, unresolved ownership disputes, or recorded easements that could limit use.
7. Deed restrictions & HOA rules
Some rural parcels still carry HOA membership, deed covenants, or shared-road maintenance agreements — get the actual documents, not a verbal summary.
8. Survey / boundary confirmation
A recent survey confirms the actual boundaries and flags any encroachments — from a fence, a structure, or a neighbor's driveway.
9. Property taxes & assessments
Check current tax amount and whether any special assessments (road, utility district) are attached to the parcel.
10. Financing
Land loans generally have shorter terms, higher down payments, and higher rates than a home mortgage — confirm financing is realistic before you're under contract.
Have a specific lot in mind?
Paste the address and we'll pull its flood zone, wetlands and county risk data right now — no account.