Recently the Vermont Supreme Court has created a new class of potential encumbrances that may affect property and transfers. The Court has held that if the zoning Ordinance in effect in your Town/City requires that your property have a certificate of occupancy, and if you do not, there is an encumbrance on the title. You (or we) should confirm immediately with the town zoning administrator that your property has all of the permits it is required to have. You can do this yourself. If you go to the zoning administrators' office to check on the status of the permits, please make copies of the building permits, certificates of inspection of your on-site septic system (if you have one), and certificates of occupancy and send them to us.

Since 1969 the State of Vermont has regulated certain kinds of property development in Vermont. In general, any subdivision of property, during or after 1969, which creates a lot of less than ten acres in size is required to have a permit from the Agency of Natural Resources. If your property was subdivided from other property during or after 1969 you or we must check the records of the Regional Engineer to see if a permit was issued and whether the permit required any certificates of inspection or reports. This takes some knowledge of the chain of title as the permits were typically issued in the name of the subdividing owner or developer.

A State of Vermont Act 250 Land Use Permit may be required for your property depending on certain circumstances and uses of the property. If an Act 250 permit is required, we must similarly check the records of the Agency of Natural Resources to see if a permit was issued and whether the permit requires any certificates or inspection reports.