Mortgage Glossary
Legal Description
Defined by Onias Derilus, Mortgage Capital · NMLS# 1859012 · Florida licensed mortgage broker
A legal description is the precise, official way a property's boundaries are defined in public records, distinct from its street address.
What Legal Description means
Methods include lot-and-block, metes-and-bounds, and government survey. The legal description appears on the deed and mortgage and ensures the exact parcel is conveyed. An accurate description prevents boundary disputes.
Florida example
A Florida deed used a lot-and-block legal description referencing the recorded subdivision plat, pinpointing the exact parcel being transferred.
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