You’re close to closing on a commercial property. The price looks right. The location works. So your team moves fast, and before long, due diligence is almost over. But if nobody asked the right questions about the ALTA survey, you could be walking into a deal that costs far more than the purchase price.
An ALTA survey is not just a formality. It shows you exactly what you’re buying, what comes with it, and what problems are hiding in plain sight on the property. Most buyers assume their attorney or lender is handling the survey side of things. Some are right. Many aren’t.
So before that due diligence window closes, here are the questions you should be asking, and why each one matters.
Has the Survey Been Updated for This Transaction?
Sellers sometimes hand over an old survey and call it good. If that survey is three or more years old, it may not reflect current conditions. Buildings get added. Fences move. Utilities get rerouted. A dated survey can miss all of that.
Ask for the certification date. If it’s old, ask whether a new survey will be ordered before closing. Your lender likely requires a current one anyway, so confirm this early rather than scrambling at the end.
Which Table A Items Are Included?
ALTA surveys come with optional add-ons called Table A items. These are extra details a surveyor can include if requested. Things like parking counts, building setbacks, flood zone data, utility locations, and zoning info all fall under Table A.
The base survey doesn’t include all of them by default. So ask which Table A items were ordered. If flood zone classification wasn’t included and the property sits near a creek, that’s a problem you’ll wish you caught sooner. The same goes for setback lines if you plan to expand or renovate.
Go through the full Table A list with your surveyor and decide what you need based on how you plan to use the property.
Are There Any Encroachments on the Property?
An encroachment happens when something crosses the property line that shouldn’t. A neighbor’s fence might sit six inches inside your parcel. A utility shed might overlap into a public right-of-way. Even a small building overhang can create a legal headache.
Ask the surveyor directly: does the survey show any encroachments? If yes, find out who owns the offending structure and whether there’s a recorded agreement covering it. Some encroachments have been in place for decades with no documentation at all. That matters legally, and it matters for your title insurance.
What Easements Run Across the Property?
Easements give other people or companies the right to use part of your land for a specific reason. A utility company might have the right to run power lines across the back of the lot. A neighboring property might have a recorded access easement across your driveway.
Ask the surveyor to walk you through every easement shown on the survey. Then check those against the Schedule B-II exceptions in your title commitment. If the title company lists an easement but the survey doesn’t show its location, that’s a gap you need to close before you own the property.
Easements don’t always kill a deal, but they can limit what you’re able to build or change on the land. Know what you’re working with before you sign.
Do the Legal Description and Survey Match?
The legal description in your deed defines what you’re buying on paper. The survey defines what actually exists on the ground. Those two things should match perfectly. Sometimes they don’t.
Discrepancies between the deed and the survey can point to old errors, changes in ownership over time, or even a missing strip of land that never got included in the title chain. Ask your surveyor and your attorney to compare the two. If there’s a conflict, you want it resolved before closing, not after.
Is the Property in a Flood Zone?
This one surprises a lot of commercial buyers. Flood zone designation affects your insurance costs, your financing terms, and what you can build on the property. A site that looks perfectly dry can still carry a flood designation based on FEMA maps.
Table A Item 19 on an ALTA survey includes a flood zone determination. Make sure it was ordered. If the property falls in Zone A or AE, factor the flood insurance premium into your numbers before you finalize the deal.
Who Certified the Survey and Are They Licensed?
An ALTA survey must be certified by a licensed surveyor in the state where the property sits. The certification ties the surveyor professionally to the accuracy of the work. This protects you.
Check the certification block on the survey. Confirm the surveyor’s license number and verify it’s active with your state licensing board. It’s a quick check that tells you whether the person who signed off on your transaction was legally qualified to do so.
Does the Survey Meet the 2021 ALTA/NSPS Standards?
ALTA surveys follow a national set of standards jointly issued by the American Land Title Association and the National Society of Professional Surveyors. The current version is from 2021. If your survey was prepared under an older version, your title company or lender may not accept it.
Ask your surveyor which version the survey was prepared under. If it’s not the 2021 standards, find out why and whether it needs updating. This is a small detail that can cause a real delay if you catch it the morning of closing.
Ask Before the Clock Runs Out
Due diligence has a deadline. Once it passes, most of your leverage in the transaction goes with it. That’s why these questions need to happen early, not in the final hours before the period expires.
A good ALTA survey gives you the full picture of a property, but only if you know what to look for and what to ask. Work with a licensed land surveyor who has commercial experience, and loop in your attorney and title rep at the same time. They’re all looking at the same deal from different angles, and the survey connects them all.
Buying commercial real estate is a big move. The survey cost is a small fraction of the purchase price. Asking the right questions about it is free. Do both.
Frequently Asked Questions
What is an ALTA survey in commercial real estate?
An ALTA/NSPS Land Title Survey is a detailed survey that identifies property boundaries, easements, improvements, access points, and other matters affecting ownership and title insurance for commercial properties.
Why should commercial buyers review ALTA survey questions before due diligence ends?
Reviewing key questions early allows buyers to identify title defects, encroachments, access issues, and development restrictions while they still have time to negotiate or address problems.
What issues can an ALTA survey uncover?
An ALTA survey can reveal boundary discrepancies, encroachments, easements, rights of way, utility locations, access concerns, and other matters that may affect property ownership or intended use.
Does an old ALTA survey need to be updated before closing?
Not always, but many lenders and title companies prefer or require a current survey. Older surveys may not reflect new improvements, relocated utilities, or changes that have occurred since the previous survey was completed. Reviewing the survey date early can help avoid delays during closing.
What are Table A items on an ALTA survey?
Table A items are optional features that can be added to an ALTA/NSPS Land Title Survey to provide additional information. These may include flood zone classifications, utility locations, parking counts, setback lines, and zoning-related details. Buyers should review which Table A items are needed based on the property’s intended use and development plans.
