Surveys: A Survey Part 1 of 5 Kevin B. Cleaver, PS Gould Engineering, Inc. Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Part 1 of 5

Kevin B. Cleaver, PS

Gould Engineering, Inc.

Types of Surveys to be Covered: Mortgage Reports Floodplains LOMA, Elevation Certificate ALTA/ACSM Land Title Surveys (Introduction) Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Mortgage Reports

Floodplains

LOMA, Elevation Certificate

ALTA/ACSM Land Title Surveys (Introduction)

Other Types of Surveys: Session #2: Stake Surveys Land Divisions Boundary Disputes Title Policies & Descriptions Session #3: Topographic Surveys Wetland Surveys Aerial Mapping Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Session #2:

Stake Surveys

Land Divisions

Boundary Disputes

Title Policies & Descriptions

Session #3:

Topographic Surveys

Wetland Surveys

Aerial Mapping

Other Types of Surveys: Session #4: Land Development Surveys Accident Surveys Construction Surveys Session #5: Subdivision Plots Condominiums Approval Types & Processes Site Plans Professional Liability Insurance Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Session #4:

Land Development Surveys

Accident Surveys

Construction Surveys

Session #5:

Subdivision Plots

Condominiums

Approval Types & Processes

Site Plans

Professional Liability Insurance

Keep in mind: Important to discuss with your surveyor what is required for each project to obtain the correct information and fee schedule for each individual project. A project may also require the expertise of a title company, wetland consultant, environmental engineer, attorney, and/or other expert to assist with a project. Does the professional have professional liability insurance? Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Important to discuss with your surveyor what is required for each project to obtain the correct information and fee schedule for each individual project.

A project may also require the expertise of a title company, wetland consultant, environmental engineer, attorney, and/or other expert to assist with a project.

Does the professional have professional liability insurance?

Mortgage Reports Residential Commercial Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Residential

Commercial

Residential Mortgage Reports Need accurate legal description Deed General Warranty Special Warranty Quitclaim Unrecorded Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Need accurate legal description

Deed

General Warranty

Special Warranty

Quitclaim

Unrecorded

Need accurate legal description Title Commitment Abstract of Title Mortgage Reports, continued Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Need accurate legal description

Title Commitment

Abstract of Title

Mortgage Reports, continued Tax Roll Description Not an accurate legal description Usually changed and abbreviated by clerical staff and assessors to shorten record files Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Tax Roll Description

Not an accurate legal description

Usually changed and abbreviated by clerical staff and assessors to shorten record files

Easements Title Commitment Easement Search Mortgage Reports, continued Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Easements

Title Commitment

Easement Search

Platted Easements Depicted on subdivision record map, or Exhibit B of master deed in condominium documents Mortgage Reports, continued Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Platted Easements

Depicted on subdivision record map, or

Exhibit B of master deed in condominium documents

Is floodplain involved? Federal - FEMA State - MDEQ Local - County Drain Office Mortgage Reports, continued Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Is floodplain involved?

Federal - FEMA

State - MDEQ

Local - County Drain Office

What is the deliverable date? Who is the client? Who is the purchaser? Mortgage Reports, continued Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

What is the deliverable date?

Who is the client?

Who is the purchaser?

Mortgage Reports Residential Commercial Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Residential

Commercial

Commercial Mortgage Reports Same requirements as residential with additional information What features are required to be shown in addition to the structure? Is the survey to be used to satisfy title commitment without exceptions? Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Same requirements as residential with additional information

What features are required to be shown in addition to the structure?

Is the survey to be used to satisfy title commitment without exceptions?

Mortgage Reports, continued Important fact: Property lines are not accurately established or set as a part of the report unless asked for at time of request Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Important fact:

Property lines are not accurately established or set as a part of the report unless asked for at time of request

Mortgage Reports, continued Issues surveyors encounter: Lack of accurate legal description furnished Legal description provided does not include total land occupied by residence or business No title work provided with Schedule “B” exceptions Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Issues surveyors encounter:

Lack of accurate legal description furnished

Legal description provided does not include total land occupied by residence or business

No title work provided with Schedule “B” exceptions

Types of Surveys to be Covered: Mortgage Reports Floodplains ALTA/ACSM Land Title Surveys Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Mortgage Reports

Floodplains

ALTA/ACSM Land Title Surveys

Floodplain Surveys What is a floodplain? Those areas that are commonly inundated by flooding What is a 100-year flood? A flood event that has a 1% chance of occurring in any given year Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

What is a floodplain?

Those areas that are commonly inundated by flooding

What is a 100-year flood?

A flood event that has a 1% chance of occurring in any given year

Floodplain Surveys, continued What is a flood risk? During a 30 year mortgage of a home in a SFHA, there is a 26% chance it will flood During a 50 year period the chances increase to 39% Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

What is a flood risk?

During a 30 year mortgage of a home in a SFHA, there is a 26% chance it will flood

During a 50 year period the chances increase to 39%

Floodplain Surveys, continued Floodplain Zones Zone A A1 - A30 Zone B Zone C Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Floodplain Zones

Zone A

A1 - A30

Zone B

Zone C

Floodplain Surveys, continued Zone A Areas of 100-year flood (estimated) Base flood elevations and flood hazard factors are not determined Surveyor will need to contact MDEQ to obtain floodplain elevation for the site. Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Zone A

Areas of 100-year flood (estimated)

Base flood elevations and flood hazard factors are not determined

Surveyor will need to contact MDEQ to obtain floodplain elevation for the site.

Floodplain Surveys, continued Zones A1 - A30 Areas of 100-year flood Base flood elevations and flood hazard factors are determined Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Zones A1 - A30

Areas of 100-year flood

Base flood elevations and flood hazard factors are determined

Floodplain Surveys, continued Zone B Areas of 500-year flood Zone C Areas of minimal flooding Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Zone B

Areas of 500-year flood

Zone C

Areas of minimal flooding

Floodplain Surveys, continued Regulating Agencies for the National Flood Insurance Program FEMA - Federal Emergency Management Agency MDEQ - Michigan Department of Environmental Quality (land and water management division) County - Local county drain commissioner’s office (storm water management division) Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Regulating Agencies for the National Flood Insurance Program

FEMA - Federal Emergency Management Agency

MDEQ - Michigan Department of Environmental Quality (land and water management division)

County - Local county drain commissioner’s office (storm water management division)

Floodplain Surveys, continued Who can establish floodplain elevations? FEMA MDEQ Local drain commissioner Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Who can establish floodplain elevations?

FEMA

MDEQ

Local drain commissioner

Floodplain Surveys, continued How can homeowners get relief from flood insurance? Have a professional land surveyor: Complete an elevation certificate Prepare a Letter of Map Amendment (LOMA) Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

How can homeowners get relief from flood insurance?

Have a professional land surveyor:

Complete an elevation certificate

Prepare a Letter of Map Amendment (LOMA)

Floodplain Surveys, continued How are homes now determined as being in a flood zone? Scaling flood maps Reviewing recorded plats Reviewing Exhibit “B” master deeds Floodplain survey to identify a regulated floodplain contour, e.g. FEMA, state, local Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

How are homes now determined as being in a flood zone?

Scaling flood maps

Reviewing recorded plats

Reviewing Exhibit “B” master deeds

Floodplain survey to identify a regulated floodplain contour, e.g. FEMA, state, local

Floodplain Surveys, continued New FEMA floodplain zone indicators and regulations FIRM Legend FIRM Map FIRM Panel Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

New FEMA floodplain zone indicators and regulations

FIRM Legend

FIRM Map

FIRM Panel

Types of Surveys to be Covered: Mortgage Reports Floodplains ALTA/ACSM Land Title Survey Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Mortgage Reports

Floodplains

ALTA/ACSM Land Title Survey

ALTA/ACSM Land Title Survey Follows national standards 19 Table “A” survey options on request Typically most detailed type of survey used on commercial & industrial sites More info in next seminar! Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916

Follows national standards

19 Table “A” survey options on request

Typically most detailed type of survey used on commercial & industrial sites

More info in next seminar!

Gould Engineering, Inc. Civil Engineering | Land Surveying | Land Planning… Since 1916 Kevin B. Cleaver, PS Principal, Director of Surveying Gould Engineering, Inc. 2040 E. Maple Avenue Flint, MI 48507 (P) 810.743.9120 (F) 810.743.1797 (C) 810.845.6001 [email_address]