Module 4

Question 1

Surveyors Real Property Report

Answer 1

Contains
1. plan of survey
2. written report

It’s a full survey, just doesn’t need to include all monumentation (just front angles must be monumented).
To be complete, must have the municipal address and info regarding land titles or registry office designations, dimensions and bearings, designation of adjacent properties, location/description of notable improvements, easements, and encroachments, location of survey monuments, who is the plan prepared for, Certification by ON land surveyor, written report.

Question 2

Reference Plan

Answer 2

AKA R-plan
Describes more than one interest in land.
Required for:
1. severance of existing parcel of land
2. first application under Land Titles Act
3. if title is too complex/vague

Question 3

Plan of Survey

Answer 3

Visual depiction of a property. Useful to determine boundaries for building permits.
No written report and doesn’t contain certificates, not registered at Land Title Registry.

Question 4

Plan of subdivision

Answer 4

Prepared by Ontario land surveyor (like a Surveyors Real Property Report).
Indicated lots and blocks of land and roads.
Created for development of future neighbourhood.
Assigned number at time of registration with land registry office

Question 5

Land/legal description

Answer 5

Use source document such as deed or survey. If not available, can use registry/municipal assessment records, municipal tax bills.
Includes 3 parts:
1. location reference
2. Encumbrance
3. Municipality/registry office

Question 6

Chain and link method

Answer 6

Old way of measuring land.
AKA Gunter’s chain
Chains = 66ft long
1 chain = 100 links
80 chains = 1 mile

Question 7

Concession

Answer 7

100 chains (1.25 miles)
When ON was originally surveyed, plots of land were known as concessions

Question 8

How is land divided (order from biggest to smallest)

Answer 8

Province was first divided into counties.
Counties are divided into townships.
Townships are divided into concessions.
Concessions are divided into lots.

Question 9

Single front township

Answer 9

Oldest system
lots were 20 chains by 100 chains and contained 200 acres.

Question 10

Double front township

Answer 10

30 chains by 66.67 chains
100 acres

Question 11

Sectional system township

Answer 11

land divisions involved 1000 acre per section
lots were 20 chains by 50 chains and contained 100 acres

Question 12

metes and bounds

Answer 12

Created to help alleviate confusion between written land description and what was actually on the ground.
Starts at a commencement point and progresses around the property, ending up at the same spot as you started
Metes = distance
Bounds = direction

Question 13

Registry Act

Answer 13

Traditionally in southern Ontario
Registrar is admin only, doesn’t guarantee titles
Older system
Records property interests on a geographic basis (tract indexing system)
Recording books = “abstract books”
Chain of title should go back to original Crown patent (root of chain)

Question 14

Land Titles Act

Answer 14

Predominantly in Northern Ontario
Land Registrar maintains and guarantees titles
Subdivisions and condos must be registered under Land Titles.
Land registered under Land Registry may be brought under Land Titles through “first application”
Each parcel of land is registered as a unit of property

Question 15

POLARIS

Answer 15

Province of Ontario Land Registration and Information System
Mapping and property detail database
Operated based on title index (description of property ownership) and property mapping (surveys and plans database).
Users can find property based on PIN, individual name, street address

Question 16

Teranet

Answer 16

Responsible for the automation of records in Ontario.
Use to access title, verify property identification number (PIN), confirm legal description.

Question 17

Land Titles Conversion Project

Answer 17

Converting all properties registered under the Registry to Land Titles.
Automating and turning them into electronic records.

Question 18

Land Title principle - mirror

Answer 18

The land registry reflects all facts concerning the land and title attached to it.

Question 19

Land Titles principle - curtain

Answer 19

Current certificate of title contains all relevant information and buyers don’t need to worry about past dealings with the property.

Question 20

Land Titles principle - insurance

Answer 20

If a flaw occurs through human error, there is a fund that can be drawn upon to make the situation right financially.

Question 21

Land Titles Assurance Fund

Answer 21

Anyone who has had a financial loss due to errors are entitled to compensation. Only applies if there’s no other road for recourse/compensation.
Must apply to Director of Titles.
Not to be confused with title insurance

Question 22

Land Titles Converted Qualified (LTCQ)

Answer 22

Land parcels that are brought into land titles during the administrative (properties converted in bulk).
Conversion from registry records to a land titles parcel.
Based on 10 years of ownership or the last 3 deeds (whichever is greater) - assumption is any errors have been caught by others.

Question 23

Land Titles Absolute (LTA)

Answer 23

Issues for parcels that are brought forward by way of first application.
Plans of subdivisions and condos must register under LTA

Question 24

Land Titles Absolute Plus

Answer 24

Owners who want to develop property by registering a plan of subdivision or condo that’s registered under LTCQ must upgrade to LTA Plus.
Means the property is free of encumbrances and titles cannot be disputed.

Question 25

PIN

Answer 25

Property identification number
Properties are assigned PINs when they’re converted to Land Titles and automated under POLARIS
Combo of block and property numbers

Question 26

Teraview

Answer 26

Teraview: electronic gateway. Operated by Teranet. Most likely used by legal professionals and municipal officials (not used by salespeople). Search parcel records within POLARIS by entering one of the following:
- PIN
- municipal address
- name
- registered insurance number
- map
- condo plan
- plan of subdivision
Teraview accesses 3 databases within POLARIS
1. title index database (replaces abstract indexes, updated as new properties are registered)
2. property index database (visual maps)
3. image database (all plans)

Question 27

Teraview

Answer 27

Teraview: electronic gateway. Operated by Teranet. Most likely used by legal professionals and municipal officials. Allows a salesperson or client to search parcel records within POLARIS by entering one of the following:
- PIN
- municipal address
- name
- registered insurance number
- map
- condo plan
- plan of subdivision
Teraview accesses 3 databases within POLARIS
1. title index database (replaces abstract indexes, updated as new properties are registered)
2. property index database (visual maps)
3. image database (all plans)

Question 28

GeoWarehouse

Answer 28

more likely used by salespeople.
pulls data from POLARIS.
info on sales, demographics, neighbourhoods, images of property, mortgages, encumbrances.

Question 29

OnLand

Answer 29

Partnership between Teranet and ServiceOntario
Search historical and current property records instead of visiting registration office.

Question 30

Land Registration forms (5)

Answer 30

Form 1: Transfer/Deed of land (used to register land under either system - full name of seller/buyer and birthdates. Registered with Land Transfer Tax Affidavit (required by land registry offices)).
2: Charge/Mortgage of land (mortgage financing the purchase, both registry and titles systems)
3: Discharge of Charge/Mortgage of Land (executed by mortgagee, given to mortgagor to register accordingly).
4: Document General (blank form that meets standards)
5: Schedule (accompanies other above docs if more space is required)

Question 31

E-registration

Answer 31

Refers to title document being created, submitted, and maintained online. (5 forms used for land registration)
Not all docs can be e-registration (e.g. cannot register condo, Crown grants).
Steps:
1. draft doc is created by lawyer
2. send message to other buyer’s lawyer, grant access to doc
3. buyer’s lawyer adds buyers info
4. when doc is complete by both lawyers, need to sign to verify completeness and then sign to release (ready for registration)
5. document complete - ready to be e-registered

Question 32

Surveyors Act

Answer 32

Provides the standards of practice for the Association of Ontario Land Surveyors.