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Buying Land? Do Your Homework First

Buying a vacant lot or land parcel is exciting, but the due diligence is more complex than buying an existing home. Here is what to check before committing.

Zoning and Buildability

Every parcel in the Hudson Valley has a zoning classification that determines what you can build, how large it can be, and where it can sit on the lot. Check setback requirements, lot coverage limits, and whether your intended use (single-family, multi-family, agricultural, commercial) is permitted.

Utilities and Infrastructure

Many parcels in the Hudson Valley do not have access to municipal water or sewer. You will need a well and a septic system, which require perc testing and health department approval. The cost to install a well ($8,000-$15,000) and septic system ($15,000-$40,000+) should be factored into your total project budget.

Environmental and Access Issues

Wetlands, flood zones, steep slopes, and endangered species habitats can restrict or prevent development. A wetland delineation and environmental survey protect you from buying unbuildable land. Also confirm legal road access — landlocked parcels without deeded access rights are a serious problem.

Frequently Asked Questions

Can I get a mortgage on vacant land?

Yes, but land loans have higher interest rates, larger down payment requirements (20-50%), and shorter terms than residential mortgages.

How do I know if the land can be built on?

Start with the town zoning office and building department. A perc test confirms septic viability. An environmental review checks for wetlands and restrictions.

Find the Right Parcel

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