Closing and Mortgage Surveys in Georgia

What a Closing Survey Is

A closing survey, sometimes called a mortgage survey or a real estate survey for closing, is the survey a lender or title company asks for before a property changes hands. It confirms the boundary of the parcel, shows where the house and the other improvements sit relative to the lines, and flags anything that would concern a title underwriter: a fence or drive over the line, a shed on the wrong side of a corner, or a recorded easement crossing the lot. The goal is to have the land match the paperwork before money moves, not to discover a problem after you own it.

Whether a survey is required for a given closing is not something to assume. It depends on the lender, the title company, and the terms of the transaction, so the first move is to ask them what they require and when they need it. Some Georgia residential purchases close under title insurance without a new survey. Others make a current survey a condition of the loan or the title policy. Plenty of buyers order one regardless, because the cost of confirming the lines before closing is small next to the cost of inheriting an encroachment afterward.

A closing survey draws on the same core boundary work as any other property survey. If you want the technical background on how the lines are retraced, our boundary surveys page covers it, and for the homeowner's view of the wider picture see residential land surveys. S&S Land Surveying LLC works out of 549 West Ave in Cedartown and handles closing and mortgage surveys throughout Polk, Floyd, Bartow, Paulding, Carroll, Haralson, Douglas, and Gordon counties, and across the wider northwest Georgia and metro Atlanta region.

What a Closing Survey Includes

• The boundary and corners. The parcel lines are retraced from the deed and the monuments in the ground, and the acreage is confirmed against what the contract says you are buying.
• The improvements. The house and the major structures are located relative to the lines, so it is clear whether anything sits across a boundary or inside a setback.
• Encroachments and easements. Visible encroachments and the recorded easements affecting the lot are shown, giving the title company the evidence it needs to address exceptions.
• A sealed plat. The finished drawing is signed and sealed by a licensed Georgia surveyor, in the form your lender or title company will accept for the file.

Turnaround depends on the parcel. A small in-town lot with recent monuments is a quicker job than acreage that has never been surveyed, and record availability, field conditions, and our current schedule all factor in. Give us your closing date up front and we will work to meet it. For a realistic timeline and a free estimate, contact us with the property details rather than relying on a generic number.

Our Closing Survey Process

1. Tell us the closing date first. The deadline shapes everything, so we start there. We also ask what your lender or title company has specifically requested, because that decides the scope.
2. We research the record. We pull the deed and the recorded plats for the parcel and its neighbors at the Clerk of Superior Court in the county where the land sits, and review any easements of record.
3. We work the property. Our crew recovers the corner monuments, locates the house and improvements, and measures with GPS and total station equipment. You do not need to be present.
4. We compute and draft. Field measurements are reconciled against the written descriptions, and the result is drawn as a plat showing the boundary, the improvements, encroachments, and easements.
5. We deliver in time to close. The sealed plat goes to you, your lender, or the closing attorney. If it shows something unexpected, we explain what it means so the right people can address it before the table.

Why Choose S&S Land Surveying

Closing Survey FAQ

Related Services

A closing survey sits alongside these related surveys. Commercial transactions usually route to an ALTA survey, and homeowners often start with the residential overview: