{"schema_version":"1.0","name":"Twellie Homebuyer Public Records Pathfinder","canonical_path":"/tools/homebuyer-public-records-pathfinder","date_published":"2026-07-10","date_modified":"2026-07-10","jurisdiction_count":51,"national_source_count":11,"task_count":12,"feature_count":12,"directory_types":{"official_state":{"label":"State-government directory","short_label":"Government directory","description":"A state-owned directory or agency page that helps identify a local government or record office. It is still a route, not the property record."},"usa_gov_curated":{"label":"USA.gov-curated locator","short_label":"Federal directory route","description":"USA.gov currently routes visitors here. Some destinations are public-sector associations rather than record custodians, so confirm the final office and domain."}},"jurisdictions":[{"state":"Alabama","code":"AL","anchor":"state-al","directory_url":"https://www.sos.alabama.gov/index.php/city-county-lookup","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Alaska","code":"AK","anchor":"state-ak","directory_url":"https://alaska.gov/communit.html","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Arizona","code":"AZ","anchor":"state-az","directory_url":"https://www.azcounties.org","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Arkansas","code":"AR","anchor":"state-ar","directory_url":"https://portal.arkansas.gov/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"California","code":"CA","anchor":"state-ca","directory_url":"https://www.counties.org/county-websites-profile-information","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Colorado","code":"CO","anchor":"state-co","directory_url":"https://www.usa.gov/local-governments","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"USA.gov directory fallback; state destination unavailable at review","last_reviewed":"2026-07-10"},{"state":"Connecticut","code":"CT","anchor":"state-ct","directory_url":"https://portal.ct.gov/en/Government/Cities-and-Towns","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Delaware","code":"DE","anchor":"state-de","directory_url":"https://delaware.gov/guides/municipalities/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"District of Columbia","code":"DC","anchor":"state-dc","directory_url":"https://www.usa.gov/local-governments","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"USA.gov directory fallback; state destination unavailable at review","last_reviewed":"2026-07-10"},{"state":"Florida","code":"FL","anchor":"state-fl","directory_url":"https://dos.myflorida.com/library-archives/research/florida-information/government/local-resources/fl-cities/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Georgia","code":"GA","anchor":"state-ga","directory_url":"https://www.gacities.com/Directories/Member-Cities.aspx","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Hawaii","code":"HI","anchor":"state-hi","directory_url":"https://portal.ehawaii.gov/government/county-governments/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Idaho","code":"ID","anchor":"state-id","directory_url":"https://idaho.gov/counties/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Illinois","code":"IL","anchor":"state-il","directory_url":"https://apps.ilsos.gov/isa/localgovnameindexsrch.jsp","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Indiana","code":"IN","anchor":"state-in","directory_url":"https://www.in.gov/counties/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Iowa","code":"IA","anchor":"state-ia","directory_url":"https://www.iowa.gov/local-government","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Kansas","code":"KS","anchor":"state-ks","directory_url":"https://portal.kansas.gov/government/county-list/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Kentucky","code":"KY","anchor":"state-ky","directory_url":"https://www.kentucky.gov/government/Pages/local.aspx","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Louisiana","code":"LA","anchor":"state-la","directory_url":"https://www.louisiana.gov/local-louisiana/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Maine","code":"ME","anchor":"state-me","directory_url":"https://aroostook.me.us/maine-counties/","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Maryland","code":"MD","anchor":"state-md","directory_url":"https://www.usa.gov/local-governments","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"USA.gov directory fallback; state destination unavailable at review","last_reviewed":"2026-07-10"},{"state":"Massachusetts","code":"MA","anchor":"state-ma","directory_url":"https://www.mass.gov/lists/massachusetts-city-and-town-websites","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Michigan","code":"MI","anchor":"state-mi","directory_url":"https://www.michigan.gov/som/about-michigan/michigan-counties","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Minnesota","code":"MN","anchor":"state-mn","directory_url":"https://mn.gov/portal/government/local/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Mississippi","code":"MS","anchor":"state-ms","directory_url":"https://www.sos.ms.gov/communications-publications/2020-2024-mississippi-blue-book","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Missouri","code":"MO","anchor":"state-mo","directory_url":"https://www.mo.gov/government/city-county-government/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Montana","code":"MT","anchor":"state-mt","directory_url":"https://www.mtcounties.org/counties/contact-a-county/","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Nebraska","code":"NE","anchor":"state-ne","directory_url":"https://www.nebraska.gov/attractions/city-county/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Nevada","code":"NV","anchor":"state-nv","directory_url":"https://ce.naco.org/?find=true","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"New Hampshire","code":"NH","anchor":"state-nh","directory_url":"https://www.nh.gov/government/cities-towns","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"New Jersey","code":"NJ","anchor":"state-nj","directory_url":"https://www.usa.gov/local-governments","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"USA.gov directory fallback; state destination unavailable at review","last_reviewed":"2026-07-10"},{"state":"New Mexico","code":"NM","anchor":"state-nm","directory_url":"https://www.sos.nm.gov/voting-and-elections/voter-information-portal-nmvote-org/county-clerk-information/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Official state route reviewed directly","last_reviewed":"2026-07-10"},{"state":"New York","code":"NY","anchor":"state-ny","directory_url":"https://www.ny.gov/counties","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"North Carolina","code":"NC","anchor":"state-nc","directory_url":"https://www.sog.unc.edu/resources/microsites/knapp-library/counties-north-carolina","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"North Dakota","code":"ND","anchor":"state-nd","directory_url":"https://www.nd.gov/government/local-government","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Ohio","code":"OH","anchor":"state-oh","directory_url":"https://www.usa.gov/local-governments","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"USA.gov directory fallback; state destination unavailable at review","last_reviewed":"2026-07-10"},{"state":"Oklahoma","code":"OK","anchor":"state-ok","directory_url":"https://www.travelok.com/cities-and-regions","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Oregon","code":"OR","anchor":"state-or","directory_url":"https://sos.oregon.gov/blue-book/Pages/local.aspx","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Pennsylvania","code":"PA","anchor":"state-pa","directory_url":"https://www.pacounties.org/who-we-are/pennsylvania-county-by-class","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Rhode Island","code":"RI","anchor":"state-ri","directory_url":"https://opengov.sos.ri.gov/GOVDirectoryPublic/OfficialSearch?topmenuId=104&page=IdxMuni","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"South Carolina","code":"SC","anchor":"state-sc","directory_url":"https://sc.gov/government","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"South Dakota","code":"SD","anchor":"state-sd","directory_url":"https://www.sdcounties.org/counties/","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Tennessee","code":"TN","anchor":"state-tn","directory_url":"https://www.tn.gov/directory/county-city-web-sites.html","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Texas","code":"TX","anchor":"state-tx","directory_url":"https://directory.tml.org/","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Utah","code":"UT","anchor":"state-ut","directory_url":"https://www.utah.gov/government/cityCounty.html","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Vermont","code":"VT","anchor":"state-vt","directory_url":"https://www.vermont.gov/towns-and-Cities","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Virginia","code":"VA","anchor":"state-va","directory_url":"https://www.virginia.gov/local-government/","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Washington","code":"WA","anchor":"state-wa","directory_url":"https://wa.gov/your-government","route_type":"official_state","route_label":"State-government directory","route_short_label":"Government directory","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"West Virginia","code":"WV","anchor":"state-wv","directory_url":"https://www.usa.gov/local-governments","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"USA.gov directory fallback; state destination unavailable at review","last_reviewed":"2026-07-10"},{"state":"Wisconsin","code":"WI","anchor":"state-wi","directory_url":"https://www.wicounties.org/the-counties/","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"Destination listed by USA.gov Local Governments","last_reviewed":"2026-07-10"},{"state":"Wyoming","code":"WY","anchor":"state-wy","directory_url":"https://www.usa.gov/local-governments","route_type":"usa_gov_curated","route_label":"USA.gov-curated locator","route_short_label":"Federal directory route","local_office_required":true,"coverage_label":"Local office required","office_hint":"Use the directory to identify the property jurisdiction. Then find its assessor or tax office, recorder or clerk, planning/building office, and health or environmental office as the question requires.","verification_basis":"USA.gov directory fallback; state destination unavailable at review","last_reviewed":"2026-07-10"}],"national_sources":[{"key":"census_geocoder","category":"Property identity","name":"Census Geocoder","publisher":"United States Census Bureau","official_url":"https://www.census.gov/programs-surveys/geography/technical-documentation/complete-technical-documentation/census-geocoder.html","source_tier":"Official federal locator","scope":"US addresses, Puerto Rico, and US Island Areas supported by the service","supports":"A standardized address-range match, approximate coordinates, and requested Census geographies such as state and county.","limitations":"A match may be interpolated from an address range. It does not prove that a structure exists, identify a legal parcel or unit, or establish ownership, boundaries, condition, or title.","handoff":"Confirm parcel and legal identity with the responsible local record office and transaction professionals.","last_reviewed":"2026-07-10"},{"key":"usa_gov_local","category":"Local government routing","name":"Local Governments directory","publisher":"USA.gov","official_url":"https://www.usa.gov/local-governments","source_tier":"Official federal directory","scope":"States, District of Columbia, and US territories listed by USA.gov","supports":"Finding a state-level starting point for county, city, town, borough, parish, or other local-government websites.","limitations":"Some destinations are associations or general directories. The directory is not a parcel, tax, permit, deed, zoning, health, or court record.","handoff":"Confirm the final record custodian, official domain, jurisdiction, record date, and request procedure.","last_reviewed":"2026-07-10"},{"key":"fema_flood","category":"Flood","name":"Flood Map Service Center","publisher":"Federal Emergency Management Agency","official_url":"https://msc.fema.gov/portal/home","source_tier":"Official federal hazard source","scope":"National Flood Insurance Program flood maps and related products","supports":"Finding effective FEMA flood maps, panels, studies, and Letters of Map Change for an area.","limitations":"A map screen does not prove that flooding cannot occur, replace local drainage evidence, bind insurance, set a premium, or resolve every property boundary or elevation question.","handoff":"Use the effective map with local floodplain records, insurer and lender requirements, inspection, survey or elevation evidence as applicable.","last_reviewed":"2026-07-10"},{"key":"usfs_wildfire","category":"Wildfire","name":"Wildfire Risk to Communities","publisher":"United States Department of Agriculture Forest Service","official_url":"https://wildfirerisk.org/","source_tier":"Official federal community-risk source","scope":"National community-scale wildfire risk context","supports":"Comparing wildfire risk and vulnerability at community scales and finding mitigation resources.","limitations":"The publisher states that the data are not locally calibrated or designed for individual-home decisions; they are not a current fire-danger forecast or an insurance decision.","handoff":"Check state and local maps, defensible-space requirements, site access, fire response, inspection, and a property-specific insurance quote.","last_reviewed":"2026-07-10"},{"key":"usda_soils","category":"Soils and land","name":"Web Soil Survey","publisher":"USDA Natural Resources Conservation Service","official_url":"https://websoilsurvey.nrcs.usda.gov/app/","source_tier":"Official federal soil source","scope":"Published National Cooperative Soil Survey coverage","supports":"Reviewing mapped soil units, properties, and published suitability or limitation interpretations for a defined area of interest.","limitations":"Mapped soil information is not a boundary survey, site investigation, perc test, septic approval, engineering opinion, wetland determination, or permit.","handoff":"Use local environmental and planning records plus qualified onsite, survey, engineering, or wastewater review when the decision requires it.","last_reviewed":"2026-07-10"},{"key":"epa_waterway","category":"Water context","name":"How's My Waterway","publisher":"United States Environmental Protection Agency","official_url":"https://mywaterway.epa.gov/","source_tier":"Official federal environmental source","scope":"Community, state, and national water information reported to EPA","supports":"Finding watershed, assessed-water, permitted-discharge, and selected drinking-water context reported to EPA.","limitations":"More recent or detailed local information may exist. The tool does not test a private well, household tap, septic system, or the exact property's water quality.","handoff":"Obtain current local records and property-specific laboratory testing or system inspection where relevant.","last_reviewed":"2026-07-10"},{"key":"epa_private_wells","category":"Private wells","name":"Private Drinking Water Wells","publisher":"United States Environmental Protection Agency","official_url":"https://www.epa.gov/privatewells","source_tier":"Official federal educational source","scope":"General private-well information and state program routing","supports":"Understanding private-well owner responsibilities, testing topics, and routes to state or local programs.","limitations":"General guidance does not establish a well's construction, yield, permit status, source protection, potability, or current lab result.","handoff":"Request local well records and use qualified inspection and certified laboratory testing appropriate to the property and jurisdiction.","last_reviewed":"2026-07-10"},{"key":"usgs_hazards","category":"Geologic hazards","name":"National Hazards Exposure resources","publisher":"United States Geological Survey","official_url":"https://www.usgs.gov/office-of-risk-and-resilience/whats-risk","source_tier":"Official federal hazard source","scope":"National earthquake, landslide, sinkhole, volcano, tsunami, and related exposure products where available","supports":"Screening national hazard and susceptibility products and identifying where more local or site-specific review may be useful.","limitations":"National products are not a parcel clearance, prediction, structural inspection, engineering report, land-use approval, or insurance decision.","handoff":"Use the relevant state/local hazard authority and qualified site, structural, geotechnical, or insurance review.","last_reviewed":"2026-07-10"},{"key":"fcc_broadband","category":"Broadband","name":"National Broadband Map","publisher":"Federal Communications Commission","official_url":"https://broadbandmap.fcc.gov/home","source_tier":"Official federal availability source","scope":"Provider-reported fixed and mobile broadband availability in the United States","supports":"Finding providers and technologies reported as available at mapped serviceable locations and reviewing challenge information.","limitations":"Reported availability does not guarantee installation, price, indoor mobile coverage, speed at the home, service quality, or an accurate location point.","handoff":"Confirm the exact address, installation terms, capacity, price, equipment, and timing directly with providers before relying on service.","last_reviewed":"2026-07-10"},{"key":"cfpb_inspection","category":"Condition","name":"Schedule a home inspection","publisher":"Consumer Financial Protection Bureau","official_url":"https://www.consumerfinance.gov/owning-a-home/close/schedule-a-home-inspection/","source_tier":"Official federal consumer guidance","scope":"General US mortgage-closing education","supports":"Understanding why an independent inspection differs from an appraisal and why prompt scheduling can matter.","limitations":"The page is not an inspection, contract interpretation, inspector credential check, repair estimate, appraisal, or decision about a home's condition.","handoff":"Use the signed contract and qualified inspectors or specialists for the exact property, scope, deadlines, and findings.","last_reviewed":"2026-07-10"},{"key":"cfpb_title","category":"Title and closing","name":"Shop for title insurance and closing services","publisher":"Consumer Financial Protection Bureau","official_url":"https://www.consumerfinance.gov/owning-a-home/close/shop-for-title-insurance-and-other-closing-services/","source_tier":"Official federal consumer guidance","scope":"General US mortgage-closing education","supports":"Understanding title-service shopping and the distinct role of title-related services in a financed purchase.","limitations":"General guidance cannot examine title, interpret an exception or easement, clear a lien, issue a policy, or provide state-specific legal advice.","handoff":"Use the appropriate title company, settlement agent, or attorney for the transaction and jurisdiction.","last_reviewed":"2026-07-10"}],"features":[{"key":"condo_hoa","label":"Condo or HOA","description":"Prioritize association records, master insurance, reserves, restrictions, and assessments."},{"key":"private_well","label":"Private well","description":"Prioritize well records, source testing, construction information, and local health requirements."},{"key":"septic","label":"Septic or onsite wastewater","description":"Prioritize permits, design capacity, service history, inspection, and local transfer rules."},{"key":"additions","label":"Addition or converted space","description":"Prioritize permits, inspections, occupancy, area definitions, and assessor conflicts."},{"key":"pool_solar","label":"Pool, solar, or major equipment","description":"Prioritize permits, ownership or financing, warranties, inspection, and insurance treatment."},{"key":"private_road","label":"Private road or shared access","description":"Prioritize recorded access, maintenance obligations, survey evidence, and lender or insurer review."},{"key":"rural_acreage","label":"Rural acreage","description":"Prioritize access, boundaries, soils, water, wastewater, land use, fire response, and utilities."},{"key":"flood_concern","label":"Flood or drainage concern","description":"Prioritize effective flood maps, local drainage evidence, physical inspection, and insurance terms."},{"key":"wildfire_concern","label":"Wildfire or geologic concern","description":"Prioritize community hazard screens, local maps, mitigation, access, and insurance availability."},{"key":"seller_repairs","label":"Seller repairs promised or completed","description":"Prioritize written scope, permits, invoices, warranties, final inspection, and contract documentation."},{"key":"older_home","label":"Older home or unknown renovation history","description":"Prioritize condition specialists, permit history, environmental disclosures, and insurability."},{"key":"planned_renovation","label":"You plan to renovate or change use","description":"Prioritize zoning, setbacks, easements, code, permits, utilities, and professional feasibility checks."}],"evidence_tasks":[{"key":"property_identity","anchor":"property-identity","label":"Confirm the jurisdiction and exact property","category":"Identity","stage":"Start here","always":true,"feature_ids":[],"summary":"Do not transfer a record, map result, permit, sale, or conclusion to the wrong address, unit, parcel, or property type.","office":"Local assessor or parcel authority; recorder or clerk; title or closing professional","identifiers":["Street address and unit","Parcel/APN if known","Legal description if available","Listing identifier"],"lookup_steps":["Use the optional Census match only to identify a likely state, county, and place.","Open the jurisdiction route and locate the responsible assessor or parcel office.","Compare address, unit, parcel/APN, property type, and legal description across sources.","Preserve every conflict until the responsible office or professional resolves it."],"supports":"A traceable subject identity for later tax, deed, permit, hazard, comparable-sale, and transaction evidence.","limitations":"An address or map pin alone does not prove parcel boundaries, unit identity, legal ownership, permitted use, or title.","handoff":"Send unresolved parcel, unit, legal-description, boundary, vesting, or title questions to the responsible public office and appropriate title, survey, or legal professional.","request_script":"I am researching [property address and unit]. Which office record is authoritative for the parcel/APN and legal property identity? Please provide the record's as-of date and explain how I can obtain the current official document or certified copy if needed.","source_keys":["census_geocoder","usa_gov_local"],"guide_path":"/learn/how-to-read-a-home-buyer-property-report","guide_label":"Property-report guide"},{"key":"tax_assessment","anchor":"property-tax","label":"Build a property-tax and assessment timeline","category":"Taxes","stage":"Before an offer","always":true,"feature_ids":[],"summary":"Separate assessed value, taxable value, tax billed, payment status, exemptions, special assessments, and future reassessment questions.","office":"Local assessor, property appraiser, auditor, treasurer, or tax collector as jurisdiction assigns them","identifiers":["Parcel/APN","Tax year","Assessment year","Bill or account number"],"lookup_steps":["Identify which office values property and which office bills or collects tax.","Record each tax and assessment year rather than copying one current-looking number.","Ask whether exemptions, caps, arrears, supplemental bills, or reassessment may change after transfer.","Reconcile the public timeline with lender estimates and final transaction documents."],"supports":"The office's published assessment, bill, payment, exemption, or special-assessment facts within its stated year and scope.","limitations":"Past tax does not prove the buyer's future bill, complete ownership cost, legal title, market value, or that every charge is shown online.","handoff":"Route property-specific tax, exemption, lien, proration, and post-transfer questions to the responsible office, lender, settlement provider, or tax professional.","request_script":"For parcel [APN] at [property address], which records show assessed value, taxable value, billed tax, payment status, exemptions, and special assessments by year? What could change after a sale, and what record controls that answer?","source_keys":["usa_gov_local"],"guide_path":"/learn/check-property-tax-history-before-buying-house","guide_label":"Property-tax history guide"},{"key":"deeds_title","anchor":"deeds-title","label":"Locate recorded deeds and preserve title questions","category":"Title","stage":"Before and during contract","always":true,"feature_ids":["private_road","rural_acreage"],"summary":"Public indexes can identify recorded instruments, but a buyer still needs the transaction's title work and qualified interpretation.","office":"County recorder, register of deeds, land records office, clerk, title company, settlement agent, or attorney","identifiers":["Owner or grantor/grantee names","Parcel/APN","Legal description","Book/page or instrument number"],"lookup_steps":["Identify the jurisdiction's recorder or land-record custodian and its search rules.","Save instrument identifiers and document dates; do not rely only on an index summary.","Compare the subject identity and legal description with the title commitment and survey when available.","Send exceptions, requirements, liens, easements, covenants, access, and vesting questions for qualified review."],"supports":"Locating recorded instruments and building a traceable list of title, access, covenant, lien, or legal-description questions.","limitations":"An online index is not a complete title search, legal opinion, title commitment, policy, survey, or proof that an issue is cleared.","handoff":"Use the transaction's title or legal professional for examination, interpretation, curative work, coverage, and jurisdiction-specific advice.","request_script":"For [property address / parcel / legal description], how can I obtain the recorded deed and referenced instruments? Does the online result omit document images or records, and what identifier should my title or legal professional use to request official copies?","source_keys":["usa_gov_local","cfpb_title"],"guide_path":"/learn/how-to-read-title-commitment-before-closing","guide_label":"Title-commitment guide"},{"key":"zoning_use","anchor":"zoning-use","label":"Check zoning, legal use, and intended changes","category":"Land use","stage":"Before an offer","always":true,"feature_ids":["rural_acreage","planned_renovation","private_road"],"summary":"Confirm which jurisdiction controls land use and ask whether the current and intended use require additional records or approvals.","office":"Local planning, zoning, land-use, building, code-enforcement, or development-services office","identifiers":["Parcel/APN","Zoning district","Current use","Specific proposed use or project"],"lookup_steps":["Find the current official zoning map and ordinance for the correct jurisdiction.","Record the zoning district, overlay districts, and map or ordinance effective date.","Ask about lawful use, setbacks, density, parking, short-term rental, home business, accessory unit, and project-specific approvals only as relevant.","Obtain written or professional confirmation before treating a planned use as feasible."],"supports":"Identifying the published zoning classification, relevant rules, and questions that the responsible office should answer.","limitations":"A map label or general ordinance reading does not prove a lawful existing use, vested right, buildability, permit eligibility, or approval of a proposed project.","handoff":"Use the planning/building authority and qualified land-use, design, engineering, survey, or legal professionals for property-specific feasibility.","request_script":"For parcel [APN] at [property address], which zoning district and overlays currently apply, and what is their effective date? Is the current use documented as lawful, and what property-specific approvals or records would be required for [describe intended change]?","source_keys":["usa_gov_local"],"guide_path":"/learn/check-building-permits-before-buying-house","guide_label":"Permit-history guide"},{"key":"permits_occupancy","anchor":"permits","label":"Reconcile permits, inspections, and occupancy","category":"Permits","stage":"Before and during contract","always":true,"feature_ids":["additions","pool_solar","seller_repairs","older_home","planned_renovation"],"summary":"Match visible or advertised improvements with the responsible jurisdiction's permits, inspection outcomes, certificates, and open cases.","office":"Local building, development services, code enforcement, fire marshal, planning, or permit-issuing office","identifiers":["Property address","Parcel/APN","Permit number","Improvement type and approximate date"],"lookup_steps":["Identify every jurisdiction that may have issued permits for the property and time period.","Compare additions, conversions, pools, solar, electrical, plumbing, roofs, and seller repairs with the record.","Record status precisely: issued, finaled, expired, cancelled, open, unavailable, or not found.","Ask what older or offline records exist and what a buyer should request to resolve a gap."],"supports":"A permit-to-feature ledger and a list of open, incomplete, conflicting, missing, or offline record questions.","limitations":"No online result does not prove that no permit was required or that work was safe, code-compliant, complete, properly inspected, or legal for occupancy.","handoff":"Use the responsible office plus qualified inspectors, contractors, design professionals, insurer, lender, title or legal professional as the issue requires.","request_script":"Please provide the permit, inspection, certificate-of-occupancy, and open code-case history available for [property address / parcel]. I am specifically reconciling [addition, conversion, pool, solar, repair, or other feature]. Which older or offline records may not appear online?","source_keys":["usa_gov_local"],"guide_path":"/learn/check-building-permits-before-buying-house","guide_label":"Permit-history guide"},{"key":"survey_access","anchor":"survey-access","label":"Resolve boundaries, easements, and legal access","category":"Survey and access","stage":"During contract","always":true,"feature_ids":["private_road","rural_acreage","planned_renovation"],"summary":"Keep parcel maps, recorded instruments, physical occupation, and a current survey separate until a qualified professional reconciles them.","office":"Recorder or land-record office; assessor/GIS; licensed surveyor; title or legal professional","identifiers":["Legal description","Parcel/APN","Recorded plat","Easement or instrument references"],"lookup_steps":["Collect the deed legal description, recorded plat, parcel map, and referenced easement instruments.","Record visible fences, drives, encroachments, shared improvements, utilities, and access questions without declaring boundaries.","Compare the sources and preserve discrepancies in names, dimensions, monuments, acreage, and access.","Obtain the survey and title/legal review appropriate to the transaction and intended use."],"supports":"A boundary-evidence reconciliation ledger and a focused list of survey, easement, encroachment, and access questions.","limitations":"A tax parcel map, aerial image, fence, listing line, or geocoder point is not a boundary survey or legal interpretation of access and easements.","handoff":"Use a licensed surveyor and the appropriate title or legal professional; involve public offices or engineers where roads, utilities, or approvals are disputed.","request_script":"For [property address / parcel / legal description], where can I obtain the recorded plat and every referenced easement or access instrument? Which map is for assessment or GIS reference only, and which recorded documents should a surveyor or title professional review?","source_keys":["usa_gov_local"],"guide_path":"/learn/read-property-survey-before-buying-house","guide_label":"Property-survey guide"},{"key":"flood_drainage","anchor":"flood","label":"Layer flood maps, local drainage, and insurance evidence","category":"Flood","stage":"Before an offer","always":true,"feature_ids":["flood_concern","rural_acreage"],"summary":"Use FEMA evidence as one layer, then add local records, physical observations, lender requirements, and an insurer's property-specific terms.","office":"FEMA; local floodplain, stormwater, drainage, public works, or planning office; lender; insurer","identifiers":["Matched address and coordinates","Parcel/APN","FIRM panel","Map effective date and LOMC identifiers"],"lookup_steps":["Search the FEMA Map Service Center and save the effective map, panel, date, and related change documents.","Ask the local authority about more detailed, newer, drainage, dam, levee, coastal, or historical evidence.","Inspect site drainage and obtain qualified elevation, survey, engineering, or inspection evidence where needed.","Get the lender's requirements and a bindable insurance quote for this buyer and property."],"supports":"A four-layer flood evidence record that distinguishes national maps, local information, physical evidence, and financial/insurance terms.","limitations":"Being outside a mapped special flood hazard area does not prove no flood risk, no insurance need, or acceptable drainage and elevation.","handoff":"Use the local floodplain authority, survey/elevation or engineering professionals, lender, and insurer for property-specific decisions.","request_script":"For [property address / parcel], what effective floodplain, drainage, stormwater, dam/levee, coastal, or historical flood records does your office maintain? Are any newer or more detailed than the current FEMA map, and how can I obtain them?","source_keys":["fema_flood","usa_gov_local"],"guide_path":"/learn/check-flood-risk-before-buying-house","guide_label":"Flood-risk guide"},{"key":"wildfire_geologic","anchor":"wildfire-geologic","label":"Screen wildfire and geologic hazards without calling a parcel clear","category":"Hazards","stage":"Before an offer","always":true,"feature_ids":["wildfire_concern","rural_acreage","older_home"],"summary":"National maps identify questions. State/local maps, site conditions, mitigation, structure details, access, and insurance determine the practical follow-up.","office":"State/local emergency, forestry, fire, geological, planning, or building authority; insurer; qualified site or structural professional","identifiers":["Property coordinates","Parcel/APN","Map/version date","Construction and mitigation details"],"lookup_steps":["Review national wildfire and relevant USGS hazard products at their intended scale.","Find the current state and local hazard, fire-zone, landslide, seismic, coastal, or other applicable maps.","Record defensible space, roof/siding, access, water supply, slope, drainage, and mitigation questions for qualified review.","Obtain a property-specific insurance quote and understand exclusions, deductibles, inspections, and mitigation conditions."],"supports":"A layered hazard screen and a transparent list of local, physical, mitigation, access, and insurance questions.","limitations":"National community or susceptibility data are not parcel-scale predictions, engineering opinions, structure inspections, code determinations, or underwriting decisions.","handoff":"Use the relevant local authority and qualified fire, site, structural, geotechnical, insurance, or legal professionals.","request_script":"For [property address / parcel], which current local wildfire, fire-hazard, landslide, seismic, slope, or related overlays apply? What inspection, mitigation, access, water-supply, construction, or disclosure records can a buyer obtain?","source_keys":["usfs_wildfire","usgs_hazards","usa_gov_local"],"guide_path":"/learn/check-wildfire-risk-before-buying-house","guide_label":"Wildfire-risk guide"},{"key":"water_septic_soils","anchor":"well-septic","label":"Trace private well, septic, soil, and water evidence","category":"Water and wastewater","stage":"Before and during contract","always":false,"feature_ids":["private_well","septic","rural_acreage","planned_renovation"],"summary":"Treat well and septic as separate property systems with distinct records, tests, capacity, condition, and local requirements.","office":"Local/state health or environmental office; well and onsite-wastewater authority; qualified inspector, contractor, engineer, or laboratory","identifiers":["Property address and parcel","Well or septic permit number","System design/capacity","Sample and service dates"],"lookup_steps":["Request construction, permit, design, repair, abandonment, inspection, and transfer records for each system.","Review USDA soil context without treating a map as a perc test or approval.","Obtain property-specific well yield/condition and current laboratory testing appropriate to the source and jurisdiction.","Obtain septic condition, capacity, location, service, and compliance review appropriate to the property and planned occupancy/use."],"supports":"A dual-system ledger separating source records, physical condition, laboratory evidence, capacity, maintenance, and approvals.","limitations":"A soil map, seller statement, old permit, waterway map, or absence of a complaint does not prove potable water or a functional, compliant, adequately sized system.","handoff":"Use the responsible health/environmental office and qualified well, wastewater, laboratory, site, engineering, or legal professionals.","request_script":"For [property address / parcel], please provide available well and onsite-wastewater permits, designs, construction, repair, inspection, abandonment, and transfer records. Which required records or tests are property-specific, and which older files may be offline?","source_keys":["usda_soils","epa_waterway","epa_private_wells","usa_gov_local"],"guide_path":"/learn/septic-private-well-checklist-before-buying-house","guide_label":"Septic and private-well guide"},{"key":"utilities_broadband","anchor":"utilities-broadband","label":"Verify utilities and service at the exact structure","category":"Utilities","stage":"Before an offer","always":true,"feature_ids":["rural_acreage","private_road","planned_renovation"],"summary":"Distinguish mapped or provider-reported availability from an actual connection, capacity, installation cost, easement, account, and service date.","office":"Utility provider; local public works or utility authority; FCC broadband map; title/survey professional for easements","identifiers":["Exact service address and unit","Meter or account identifiers if provided","Provider location ID","Planned load or use"],"lookup_steps":["Identify electricity, gas, water, sewer, waste, and communications providers for the exact address.","Ask providers to confirm existing connection, capacity, serviceability, installation work, timing, deposits, and recurring charges.","Use the FCC map as provider-reported broadband evidence and challenge guidance, not a service promise.","Review shared systems, private lines, easements, road crossings, and maintenance obligations where relevant."],"supports":"A provider-by-provider service ledger distinguishing reported availability from verified connection and terms.","limitations":"A nearby line, map point, seller statement, or provider marketing page does not guarantee connection, capacity, price, performance, timing, or rights across land.","handoff":"Use written provider confirmation plus utility, title, survey, engineering, contractor, lender, or legal review when connection or rights are material.","request_script":"Please confirm whether [exact property address and unit] is an existing serviceable location, whether service is active or only available nearby, and any installation, capacity, equipment, timing, deposit, easement, or recurring-cost requirements for a new buyer.","source_keys":["fcc_broadband","usa_gov_local"],"guide_path":"/home-buyer-due-diligence-checklist","guide_label":"Buyer due-diligence checklist"},{"key":"hoa_condo","anchor":"hoa-condo","label":"Collect HOA or condo records from the responsible parties","category":"Association records","stage":"During contract","always":false,"feature_ids":["condo_hoa"],"summary":"Public records rarely contain the complete current financial, insurance, governance, maintenance, litigation, and restriction picture.","office":"Association, manager, seller, statutory disclosure provider, master insurer, title or legal professional","identifiers":["Association legal name","Property/unit","Document date","Assessment/account status"],"lookup_steps":["Identify every association or shared-interest entity affecting the property.","Request current declarations, bylaws, rules, budget, financials, reserve information, minutes, assessments, insurance, litigation, inspections, and repair plans as applicable.","Record document dates and missing periods; do not merge seller, manager, association, and public statements.","Route financial, structural, insurance, lending, restriction, litigation, and legal questions to the responsible professionals."],"supports":"A dated association-document inventory and a visible list of missing, conflicting, stale, or decision-critical items.","limitations":"A public corporate filing, listing field, dues figure, resale certificate, or partial document package does not prove current reserves, restrictions, assessments, condition, litigation, insurance, or lender eligibility.","handoff":"Use association/manager responses and appropriate inspector, engineer, insurer, lender, title, accounting, or legal review.","request_script":"For [association and property/unit], please identify the current governing, financial, reserve, meeting, assessment, insurance, litigation, inspection, critical-repair, and resale-disclosure documents available to a buyer, including each document's effective date and any missing period.","source_keys":["usa_gov_local"],"guide_path":"/learn/hoa-condo-documents-checklist-before-buying","guide_label":"HOA and condo documents guide"},{"key":"condition_repairs_insurance","anchor":"condition-insurance","label":"Verify condition, repairs, and insurability with property-specific evidence","category":"Condition and insurance","stage":"During contract and before closing","always":true,"feature_ids":["seller_repairs","older_home","pool_solar","additions","wildfire_concern","flood_concern"],"summary":"Public records and seller documents organize questions; independent inspection, repair evidence, final verification, and a bindable quote address the exact property.","office":"Independent inspector and specialists; permit office; seller/contractor; insurer; lender; title or legal professional as relevant","identifiers":["Inspection scope/date","Repair scope and contract term","Permit/invoice/warranty","Insurance quote and assumptions"],"lookup_steps":["Schedule independent inspection promptly under the signed contract and identify needed specialists.","For seller repairs, preserve the written scope, responsible party, permits, invoices, warranties, photos, and inspection or final verification.","Compare condition findings with disclosures, permits, insurer questions, lender requirements, and the final walkthrough.","Obtain a bindable insurance quote for this buyer/property and review coverage, exclusions, deductibles, inspections, and mitigation conditions."],"supports":"A dated evidence chain connecting observed condition, professional findings, repair promises, completion evidence, and insurance terms.","limitations":"A permit, invoice, seller statement, photo, warranty, appraisal, or public record does not by itself prove complete workmanship, hidden condition, contract performance, future reliability, or insurance coverage.","handoff":"Use qualified inspectors and specialists, the contract's responsible parties, insurer, lender, and legal/title professionals for the exact issue and deadline.","request_script":"For the work described as [repair or improvement] at [property address], please provide the written scope, responsible contractor, license where applicable, permit and inspection records, invoices, warranties, completion date, and the evidence the contract requires before closing.","source_keys":["cfpb_inspection","usa_gov_local"],"guide_path":"/learn/verify-seller-repairs-before-closing","guide_label":"Seller-repair verification guide"}],"limitations":["A directory route is not the underlying property record.","A Census address match is a locator, not parcel, unit, ownership, boundary, or title proof.","National hazard and environmental maps are screens at their published scale.","The signed contract and local law control transaction deadlines and remedies.","Qualified property, title, survey, legal, lending, insurance, tax, and other professionals remain responsible for their scopes."]}