|What is Title?|
|The word Title as in; [A] “the title to this person's land is free
of encumbrances”, and [B] ”I have surveyed this person’s title”, has completely
In [A], title is intended to mean an opinion of the quality of the chain of title, being the factors which affect the capability of ownership of the land. In [B], title is intended to mean the opinion of the extent of title being the boundaries of land.
A lawyer searching [A], title records, in the Land Registry Office,
is normally investigating the quality of the chain of ownership over the
40 year period prior to the last transaction. The surveyor, in searching
[B] the same title records to determine the extent of title, may go beyond
the 40 year period to the original creation of the parcel of land, possibly
another 200 years.
|What is a Survey?|
|There is no definition of the word survey in legislation in Ontario.
However, the AOLS has determined that the survey of a parcel of land has
four components; research, measurement, monumentation, and a plan and/or
report. There is no mandatory rule for a plan and/or report, as a survey
may mark a limit without a plan.
Each survey to determine the boundaries of a parcel of land, or to re-establish
these boundaries, may consist of all these four components. The surveyor
is often directed to just “survey the deed” and not undertake the necessary
research and investigation that would constitute a complete opinion. It
is unethical for the professional land surveyor to breach the rules of
practice and accordingly, mislead the public by not following the four
components when rendering an opinion.
|What is a Surveyor's Real Property Report [SRPR]?|
|A Surveyor's Real Property Report is a legal document that clearly
illustrates the location of all visible public and private improvements
relative to property boundaries. It generally takes the form of a
plan illustrating the various physical features of the property along with
a written report highlighting the surveyor's opinion of any concerns. The
plan and report may be combined in one document.
|What Does a Surveyor's Opinion Represent?|
|Before preparing an opinion, a surveyor refers to the documentary evidence
related to both the subject land and the adjoining land. This will include,
but not be limited to, applicable docunentary evidence obtained during
research of her/his own files, those of professional colleagues and a Land
Registry Office search. There may also be a need to search through archives
at all government levels. A surveyor shall carry out a thorough field investigation
for the best available evidence of all boundaries, lines, and corners and
give priority to the evidence in accordance with case, common, and Statute
The best disclosure of the extent of title can be obtained through obtaining
a current Surveyor's Real Property Report [SRPR], which is a cadastral
[boundary] surveyor's professional opinion of the extent of title at a
|Types of Boundary Surveys|
Plans of Subdivision
|Upon registration in the Land Registry Office, these divide property into lots and set out boundaries for the first time after Planning Act approvals have been obtained.|
Reference Plans (R-plans)
|These are deposited plans; graphical representations of metes and bounds descriptions; as well as representations of divisions of land under the Planning Act.|
Plan of Survey
|This is a reference plan, or an undeposited plan in the form of an SRPR, or a standard survey plan.|
Surveyor's Real Property Report (SRPR)
|This is a plan of survey under O. Reg. 42/96 S.27(1) and is retained
as the property of the surveyor.
|What is Misuse of a Survey?|
|The re-use of surveyors’ products after their original release is a misuse. Any reliance on a surveyor's duct beyond the original intended use is potentialy costly to both the user and the surveyor, and in most cases an infringement of copyright.|
|What is an Up-To-Date Survey?|
|A plan of survey may be up-to-date if:
|What is the Real Estate Professional's liability?|
|Real Estate Professional is assuming all liability by using and re-using
documents that were never intended as opinions. It is similar to using
an appraisal of the value of the same parcel beyond the time of the transaction.
Both the appraisal and the plan must be current to reflect the accurate
value and extent of title. It has always been important to address what
is not on the plan rather than only what is on the old plan.
|What is Copyright and Fair Use of a Survey?|
|A plan illustrates a portion of the surveyor's opinion of the extent
of title and falls within the definition of an ‘artistic work’ under Section
2 of the Copyright Act R.S.C. 1985 c. C-42. Copyright is automatically
acquired with the creation of the plan.
“Fair use” allows any party to use the plan for reference in a research mode only. It is not “fair use” to use it for benefit in any transaction beyond the time of the preparation of the original plan. Under “fair use”, a surveyor or a lawyer has the right to use the information on a plan for title research. The original client has the right to use the plan for private use in accordance with the purpose of the plan. It is most inadvisable to pass on a photocopy of the SRPR to another party as, without the knowledge of the current status of the land's extent; it may be highly misleading and is a breach of the strict copyright laws of Canada.
A client does not have the right to unlimited use of the plan in subsequent
dealings. The client does not have the right to re-use the plan for some
other purpose than was originally intended. No one other than the surveyor,
who prepared the plan, has the right to alter the plan. And, no third party,
such as a real estate professional, has the right to use a plan for
a use not intended at the time of the original opinion's preparation.
|Title Insurance is Not an A1ternative to a Boundary Survey|
|Absolutely nothing, can replace the full knowledge of the physical
and legal facts of the land in the real estate transaction as is disclosed
by a current Surveyor's Real Property Report.
Title Insurance is not an alternative to a SRPR as it requires less diligence in the investigation of title, is assumed to be “no fault" insurance when it isn't, and provides a misleading and shallow assurance of savings to a mortgagee [the borrower]. It is usually sold to only benefit the lender not the purchaser/ borrower
Current full opinions of the quality of title by a lawyer and extent of title by a surveyor are the best assurance a party can obtain. Both the lawyer and the surveyor have their own mandatory professional liability insurance to cover any errors that may occur.
Title Insurance advocates masking or hiding potential title and boundary problems, rather than identifying and addressing them before a property is acquired.
Any purchase of title insurance by a party thinking they are “saving money” is like asking the dentist to sell them insurance so that their teeth won't need maintenance. The tide insurance purchasers think they save the cost difference between an insurance policy and a surveyor's opinion; but, in reality, they surrender the assurance of a clear title.
|Questions to Ask when Retaining the Services of an Ontario Land Surveyor|
|Selection should be based on fair fee for all professional services provided. Consideration should be given to the following: professional service expectations, specific expertise, qualifications, experience, resources, timing, fees for service, and method of payment.|
Association of Ontario Land Surveyors
1043 McNicoIl Avenue
Toronto Ontario M1W 3W6