Jan 12, 2025

Certificate of Location: What Every Quebec Homeowner Should Know

So basically, what happened last week during a home tour really got me thinking about certificates of location. My clients were about to make an offer on their dream home when they noticed the certificate of location was over 10 years old. They asked me, “Pete, is this something we should be concerned about?” The answer? Absolutely.

 

The Situation: More Than Just Another Document

Here’s the thing about certificates of location in Quebec – they’re not just another piece of paperwork to add to your growing pile of real estate documents. They’re actually one of the most crucial elements of any property transaction, providing a comprehensive snapshot of your property’s legal status and compliance with various regulations.

Think of it as your property’s medical record. Just like you wouldn’t want to make important health decisions without up-to-date medical information, you shouldn’t make property decisions without a current certificate of location.

Key Points Every Buyer and Seller Should Know

What’s Actually in This Document?

A certificate of location is prepared by a qualified land surveyor (member of the Ordre des arpenteurs-géomètres du Québec) and includes both a detailed written report and a property plan. Here’s what it tells you:

  • Exact property boundaries (crucial for avoiding future neighbor disputes)
  • Location of all structures on the property
  • Any rights of passage or servitudes
  • Whether you’re in a flood zone or landslide risk area (this affects both insurability and mortgages)
  • Compliance with municipal regulations (trust me, you don’t want to deal with a demolition order!)

When Do You Need a New One?

Your certificate of location becomes invalid when:

  • It’s over 10 years old
  • The property has undergone changes (even adding a pool requires a new certificate)
  • Municipal regulations have been modified
  • The cadastral lot number changes

Professional Insight: The Real Costs and Considerations

Let me break down the practical side of things. As of 2023, expect to pay around $1,500 for a certificate of location for a single-family home in an urban area. For semi-detached houses, that number jumps to about $2,705. Yes, it’s a significant investment, but here’s why it’s worth every penny:

Who Pays for It?

Typically, the seller is responsible for providing an up-to-date certificate of location. However, there’s an important exception: if a buyer requests a new certificate when no changes have occurred to the property, they’ll be the ones footing the bill.

Time Considerations

Here’s something crucial to keep in mind – it takes 4-6 weeks to prepare a certificate of location, and it must be submitted to the notary at least 20 days before signing the deed of sale. This timing is non-negotiable, so plan accordingly!

A Word About Title Insurance

Some people ask me if title insurance can replace a certificate of location. While title insurance is valuable, it has important limitations:

  • Doesn’t cover fences, hedges, or low walls
  • No protection for environmental protection law violations
  • Won’t reveal problems that a certificate would identify

What You Should Do Next

  1. If you’re selling: Check the date on your current certificate of location. If it’s approaching 10 years or you’ve made property changes, start the process of getting a new one early.
  2. If you’re buying: Always request a current certificate of location as part of your conditions. Don’t accept an expired certificate, even if pressed for time in a hot market.

Remember, in Quebec real estate, cutting corners on documentation can lead to major headaches down the road. If you have questions about certificates of location or need help understanding what your current certificate means, don’t be shy to reach out. My team and I are here to help you navigate the Quebec real estate market with confidence.

Ready to Make Your Next Move in Quebec Real Estate?

At Peter Thompson Real Estate, we believe that every real estate journey should be as stress-free as possible. Whether you’re buying your first home, selling your current property, or just have questions about certificates of location, our team brings local expertise and genuine care to every client relationship.

Have questions about certificates of location or any other aspect of buying or selling in Quebec? Don’t be shy to reach out:


This is #AskPete. If you have any real estate questions, feel free to send them and I will get you the answers. Or stay up to date on the latest tips for real estate buyers and sellers by clicking the YouTube button below:

Latest posts

Are you looking to buy or sell a property? Get in touch today