Encroachment
When a structure such as a fence, shed or driveway crosses onto a neighbor's land or an easement. A survey usually finds it, and it can cloud title.
Also called: encroach, boundary encroachment
Related terms
A map made by a licensed surveyor showing the property's boundaries, buildings, easements and any encroachments. Some lenders or title companies require one; in other areas it is optional.
A right for someone else to use part of a property for a set purpose, such as a utility line or a shared driveway. Easements usually stay with the property when it sells.
Any claim, lien or error in the records that casts doubt on who owns a property. It usually must be cleared before the sale can close.
A one-time policy that covers losses from title problems missed by the search, such as forgery or unknown heirs. Lenders require a lender's policy; the owner's policy protects the buyer. Who pays varies by state and local custom.