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What’s An “Encroachment” In Real Estate? : Mortgage Loans, Rates, Home Buying, Selling, Foreclosures

What’s An “Encroachment” In Real Estate?

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When we look at a property, we often assume that the property is what we see — perhaps an area contained within a fence or backing up to a neighbor’s garage.

But, what we see may not be correct. The fence and the garage may both be “encroachments,” protrusions onto our land from a neighbor.

This may not sound like a big problem — except that we are buying a complete parcel of property and paying taxes on it each year.

A survey is necessary to determine property boundaries and the existence of any encroachments. Typically lenders require a survey when a home is financed — and often when it is refinanced.

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