Dodge Man, Dadnatron,
Let me give another example of a surveyor's mistake. I am really curious to hear Dodge Man's take. (To cut the suspense, while I had a legal right to push the issue, it would have been very contentious. In my judgement, by dropping the matter, i didn't risk anything even though I was giving something up. As long as I wasn't risking anything, I was willing to let the matter drop, even if it wasn't fixed correctly.)
When my wife and I were looking at our property, we were told generally where the corners were and that a survey had been done. We entered into a contract to buy the property with one of the conditions being that we were given a copy of the survey. When we got the copy, we looked at it closely and my wife kept saying she didn't understand one thing. About the fifth time trying to explain it to her, I finally understood her question. She had found a gross error on the survey that was in our favor.
Going back to when that survey was done, there was one 50 acre rectangular tract. The surveyor was apparently hired to split it into what we were told was 40 acre tract and a 10 acre tract. He drew up the metes and bounds descriptions of the two tracts. The problem was the corners specified in that description didn't agree by a substantial amount, about 550', from where the seller of our tract was acting like the corners were and where the corners had been set (rebar in concrete). (The supposed 10 acre tract was a vacant house in foreclosure. It was owed by the FHA waiting for the redemption period to expire.) The discrepancy was also in the description of the supposed 10 acre tract.
I'll try to make this simple but metes and bounds is somewhat difficult. From the agree upon starting point, our northwest corner, (corner #1) the description read to go south 1,604 feet (corner #2), then west say 700' (I don't remember exactly this number)(corner #3) and then south another 600' (again that number is approximate)(corner #4) then west to the section/quarter section line (corner #5), back north to the next section/quarter section line(corner #6), then east 1,340' to the point of beginning (corner #1). The discrepancy came at corners 2, 3, 4 and 5. They were set (rebar in concrete) about 550 north of the metes and bounds description. People had accepted an old fence as the property line but it didn't match any of these corners and covered only part of one side of the foreclosure property. My wife and I were the ones who went looking for the set corners and tried to match them to the legal description. So the mistake is each of four corners as set by rebar in concrete were about 550 feet different from the metes and bounds description. This was a 10 acre discrepancy.
If we had followed the metes and bounds description, we would have had a much larger tract which would have included a poorly built and maintained house in foreclosure than what the realtor had shown us. The FHA would have been screwed but they seem to be so poorly run who knows what they would have done. And a third land owner would have been very upset as title to about 10 acres of his ground had been "given away" by the metes and bounds description by the original surveyor.
From my perspective, we had a contract to buy a piece of ground about 10 acres larger than what we were being shown. In discussing this with the original surveyor, he told me, quite rudely, to go pound sand. In discussing this with the title insurer they stated the correct way for this to be "fixed" (assuming I was willing to settle for what I had been shown rather that what I had contracted to buy) was for the seller of my property to sign and file an amended metes and bounds description. The FHA would also have to sign an amended metes and bounds description. (Yeah, like that would ever happen in any type of timely fashion.)
Here is where I got my lesson in small town businesses and government as being incestuous. The original surveyor was the brother to the owner of the closing company. The county recorder was their sister. Once they realized the discrepancy, they "circled the wagons" to protect the surveyor/brother loudly proclaiming that the rebar set in concrete were the correct corners (It was more convoluted than that as there was a fence that was recognized as the property line but it quickly didn't follow the legal description and covered only a part of one side of the other tract. In addition, the rebar in concrete for two corners couldn't be located even with metal detectors or probing rods.) Instead of getting the seller's and the FHA's sign off adjusted metes and bounds descriptions, the owner of the closing company drafted a notice of correction (his termed) and filed it with his sister, the county recorder.
Other than a lot of legal fees and a long dispute, who knows how it would have turned out had we pushed to follow the original metes and bounds description. In the end, I hired a new surveyor who rewrote the metes and bounds to match corners 1, 2 and 6 as set by rebar in concrete and set new corners 3, 4 and 5 (rebar in concrete). The title insurer agreed to insure the property to that description. I immediately had a good fence installed between corners 2, 3 and 4 to minimize any confusion when the foreclosed property eventually sold and stop trespassers coming across that property onto mine. It seems to have worked. So far, now four plus years later, nobody has ever questioned the lines to my knowledge. Of course, it would be silly for anybody other than me to not accept it as I would wind up with another 10 acres and a house. It does bother me how rude the original surveyor was and that the adjustment wasn't done to the title insurer's direction. But I'm enjoying my ground and I don't see where I'm at any risk. Now, the people claiming title to the 10 acres to the south of me have some risk but there risk lessens with time. Hopefully this one never sees a lawyers involved dispute.
Dodge man, I'd like a truthful observation but regardless, I am resolved to be happy with what I've got and am chalking it up as a learning experience as to how I would handle it differently if I ever am in that position again. Thanks for any input you can give me.