Buying land in Lagos without confirming who actually owns it is one of the most serious mistakes a property buyer can make. A seller can produce a Deed of Assignment, Certificate of Occupancy, survey plan, purchase receipt or other documents and still not have a good title to the particular property being offered for sale. The critical question is not simply, “Does the seller have documents?” It is: Does the seller have a valid and traceable interest in this particular land, and does that interest give the seller the legal authority to sell it to you? This is why confirming the true owner of land should be treated as a legal due-diligence exercise before any substantial payment is made. In Lagos, the process involves examining the seller’s documents, tracing the root of title, conducting an official search at the appropriate land registry and survey authorities, checking for encumbrances or competing interests, and confirming that the land being offered corresponds with the documents. Why You Must Confirm the True Owner Before Buying Land Land transactions involve substantial financial commitments, and disputes over ownership can take years to resolve. A person offering land for sale could be: The registered owner; A purchaser whose interest has not been properly perfected; An attorney acting for the owner; An executor or administrator dealing with estate property; A family representative; A developer or agent authorised to sell; A person who acquired the property from an earlier owner; or Someone who has no legal interest or authority to sell the land at all. These situations are not legally equivalent. For example, a person who merely has possession of land does not automatically have the right to sell it. Likewise, a person holding a Power of Attorney does not thereby become the owner of the land. A Power of Attorney generally gives authority to act on behalf of another person; it must therefore be examined together with the title of the person who granted it. The Lagos State Property Protection Law also addresses the unlawful sale of property by persons who lack lawful title or authority, illustrating the seriousness with which unauthorised property transactions are treated. Start With the Seller’s Identity Before examining the land documents, establish exactly who is offering the property for sale. Obtain and verify the seller’s: Full legal name; Residential or business address; Telephone number and email address; Means of identification; Corporate registration details, where applicable; Authority to sell, where the seller is acting for another person; and Relationship with the person named in the title documents. The name on the seller’s identification should be compared with the name appearing on the relevant title documents. If the person selling the property is not the person named in the title, the transaction requires further investigation. For example, the seller may claim to be: An attorney; An administrator of an estate; A beneficiary; A family representative; An agent; A director of a company; or A purchaser who acquired the land from the registered owner. Each claim requires appropriate supporting documentation. Ask for the Complete Chain of Title One of the most important questions to ask is: How did the seller acquire the land? The answer should be supported by documents. Suppose a seller claims to have acquired land from Mr. A. You should not necessarily stop your investigation at the document between the seller and Mr. A. You may need to establish how Mr. A himself acquired the land. The investigation can therefore proceed backwards: Current Seller → Previous Owner → Earlier Owner → Original or recognised Root of Title The documents could include: Deed of Assignment; Deed of Conveyance; Certificate of Occupancy; Registered conveyance; Governor’s Consent; Deed of Assent; Vesting Assent; Probate or Letters of Administration; Court judgment; Acquisition or allocation documents; Family or customary title documents; or Other documents establishing the relevant interest in the land. The precise documents required depend on the nature and history of the property. The Court has repeatedly emphasised the importance of establishing the root of title where ownership is in dispute. A person relying on a derivative title must be able to connect that title to a person or entity with a valid interest capable of being transferred. Conduct an Official Search at the Lagos Land Registry The seller’s documents should never be the only basis for accepting ownership. An official search is one of the most important steps in confirming the status of registered land in Lagos. The Lagos State land-registration framework provides for searches of information contained in the land registration system, subject to the prescribed application and fees. The Lagos State Government also currently provides land-related services through its digital government platforms, while the Office of the Surveyor General provides services including land information, record copies, verification and charting information. The purpose of the search is to compare what the seller claims with what is contained in the relevant government records. Depending on the property and available records, the search can help determine matters such as: The registered proprietor; Description of the property; Registration details; Nature of the registered interest; Previous transactions; Registered assignments; Mortgages or charges; Restrictions or cautions; Other encumbrances; and Whether the seller’s documents correspond with the registered records. A search should be conducted using sufficient information to properly identify the property. A vague description of the neighbourhood is not enough. Do Not Treat a Certificate of Occupancy as the End of the Investigation A Certificate of Occupancy is an important title document, but a buyer should not assume that simply seeing a C of O conclusively establishes that the seller is the undisputed owner of the land. The Court has made it clear that the production of a title document does not automatically resolve every question concerning ownership. The document and the interest it represents must be properly examined in the context of the entire title. This is particularly important where: There is evidence of an earlier title; The land was previously sold; There is a competing claim; The property
Documents to Check Before Buying Land in Lagos
Buying land in Lagos without examining the relevant documents is a serious legal and financial risk. A seller can present a Certificate of Occupancy, survey plan, receipt or Deed of Assignment and still fail to establish a valid and transferable interest in the land. The important question is not simply whether the seller has documents, but whether the documents establish the seller’s interest, correspond with the actual land and show that the seller has the legal authority to transfer it. Lagos State operates a land registration system under which land-related documents and transactions are registered through the Lands Registry. The Lagos State Land Administration Portal also provides online property-search and Certified True Copy services. Before paying for land in Lagos, a prospective buyer should therefore obtain and investigate the relevant documents. What Documents Should You Check Before Buying Land in Lagos? The documents required will depend on the history and nature of the property. There is no single document that proves everything about every property. Depending on the transaction, the documents you should investigate include: Certificate of Occupancy Deed of Assignment Governor’s Consent Survey Plan Gazette Deed of Lease or Sublease Allocation Letter Previous title documents Purchase receipt Probate or Letters of Administration Power of Attorney Court judgments or orders Property search report Evidence relating to government acquisition or excision The significance of each document is different. 1. Certificate of Occupancy A Certificate of Occupancy (C of O) is one of the documents most commonly presented by sellers of land and buildings in Lagos. However, a buyer should not simply see a C of O and conclude that the transaction is automatically safe. The document should be examined to determine: the name of the holder; description of the property; size and location; term of the interest; date of issuance; purpose for which the land is granted; conditions attached to the grant; and whether the information corresponds with the property being sold. The C of O should also be independently investigated where appropriate. Why You Should Not Rely on a C of O Alone A C of O is evidence relevant to the interest stated in it, but it does not eliminate the need to investigate the circumstances of the transaction. You should still investigate: the identity and authority of the seller; subsequent dealings with the property; registered encumbrances; survey information; physical possession; acquisition issues; and other matters affecting the proposed purchase. A seller’s possession of a C of O should therefore be treated as the beginning of the investigation, not the end. 2. Deed of Assignment A Deed of Assignment is an important document where the seller acquired the property from a previous owner through an assignment. It generally records the transfer of the assignor’s interest to the assignee. When reviewing a Deed of Assignment, check: the identity of the assignor; the identity of the assignee; description of the property; consideration; the nature of the interest transferred; execution by the relevant parties; whether the necessary consent was obtained where required; whether the transaction was registered; and whether subsequent transactions affect the interest. The buyer should also investigate the document from which the seller derived title. For example, if the seller acquired the property from Mr A, it is not enough to examine only the deed between Mr A and the seller. The circumstances of Mr A’s own title should also be investigated where necessary. A Deed of Assignment Does Not Automatically Prove Good Title A Deed of Assignment transfers an interest; it does not automatically cure a defective root of title. If the person who purported to assign the property had no transferable interest, the buyer cannot safely assume that a subsequent assignment has resolved the underlying defect. This is why the chain of title must be investigated. 3. Governor’s Consent Governor’s Consent is an important consideration in many land transactions involving alienation of a statutory right of occupancy. Section 22 of the Land Use Act generally requires the consent of the Governor before a holder of a statutory right of occupancy can alienate the right by assignment, mortgage, transfer of possession or sublease, subject to the provisions of the Act. Consequently, where the seller acquired the property through an assignment requiring consent, the buyer should investigate whether the necessary consent was obtained. What Should You Check? Examine: the Governor’s Consent; the transaction to which the consent relates; the parties; property description; date; title reference; registration details; and whether the document corresponds with the transaction being presented to you. Do not assume that the mere presence of a document titled “Governor’s Consent” establishes that the transaction has been properly perfected. 4. Survey Plan A survey plan is particularly important when buying land. It identifies the parcel of land by reference to its location, boundaries, dimensions and other survey information. A survey plan should be examined alongside the title documents and the physical property. What Should You Check on the Survey? Check: survey plan number; name of the surveyor; survey date; coordinates; dimensions; plot number; block number; location; boundaries; and other identifying information. The survey information should also be investigated against the relevant government survey records where appropriate. The Lagos State Office of the Surveyor General provides a certificate-validation facility through which a deposited survey record can be checked using the plan number. A Survey Plan Is Not the Same as Proof of Ownership This distinction is important. A survey describes and identifies land. It does not, by itself, establish that the person named on it has a valid title to the land. The survey should therefore be considered together with the underlying title documents and the history of the property. 5. Gazette A Gazette can be an important document in transactions involving land that has been excised from government acquisition or where the relevant land status is established through a government publication. However, buyers should not simply accept a seller’s statement that land is “gazetted.” The relevant Gazette should be obtained and examined to determine: the land covered; the