Your Lake of the Ozarks Mortgage Lender: April 2025

Understanding How Zoning Laws Affect Your Property Rights and Home Business Options

Zoning laws shape how homeowners may use their land. These regulations can impact everything from home renovations to whether you may legally operate a business from your residence. Whether you're in the market for a new house or considering making changes to your existing property, researching the zoning laws in your area can help you avoid legal headaches.

Identify Your Property's Zone Type

Cities and counties divide land into residential, commercial, industrial, and agricultural areas. Each zone has different building restrictions that can impact property value. For example, a home in a desirable residential zone that is close to amenities such as parks and schools may retain a higher value. On the other hand, properties near industrial zones may see lower values due to noise and environmental factors.

To determine how a property is classified, request local ordinances and zoning maps from the city's planning department. You may be able to find this information on their website.

Pay Attention to Home Renovation Restrictions

Some areas have strict guidelines on lot size and building height that may limit modifications. Check with your city or county before adding a new structure or room onto your property. You may also need permission to convert a space such as a garage or a shed into a living area, especially if you plan to rent it out.

Research Business Regulations

If you're in a residential zone and wish to operate a business from your home, make sure you're permitted to do so. While some cities and counties allow homeowners to use their residential address for business operations, there may be restrictions regarding signage and advertising. Zoning laws may also limit customer visits and business-related traffic.

If you live in a planned community, you should also check the homeowners association's covenants, conditions, and restrictions. These rules can be even stricter than standard zoning laws. Take the time to do your research and consult with a real estate professional before purchasing a new property to make sure it's suited to your needs.

Sources: Hunterofhomes.com, Nolo.com

Team Lasson is here to assist with all of your home buying needs! If you’re considering taking the leap into home ownership in the near future, we’re here to help. Contact us today to explore which loan program aligns best with your financial goals.

The first step in preparing for your big purchase is to get pre-approved for a mortgage at Lake of the Ozarks. Visit www.yourlakeloan.com or call us at (573) 216-7258 to get started today!

Michael Lasson

Senior Mortgage Banker

NMLS #: 493712

Flat Branch Home Loans – Team Lasson

2882 Bagnell Dam Blvd

Lake Ozark, MO 65049

Cell: (573) 216-7258

Email: teamlasson@fbhl.com

Website: www.yourlakeloan.com

**The postings on this site are my own and do not necessarily represent Flat Branch Home Loans positions, strategies, or opinions.

Flat Branch Home Loans NMLS 224149. A Division of Flat Branch Mortgage Inc.

For more licensing information, visit NMLSConsumerAccess.org

What are some of the factors that should be looked at when deciding whether an attached or detached garage is right for your property?

While both options have advantages, choosing between an attached or detached garage often comes down to convenience, security, space, and cost. A garage that's connected to your home offers easy access, so you can go from your car to your house without stepping outside. This can be beneficial if you live in a climate with extreme weather conditions or have a large family and find yourself hauling lots of groceries back and forth. If you're considering adding a garage onto an existing property, an attached garage can also provide cost savings. This is because attached garages usually share some walls, plumbing, and electrical connections with your main house.

However, attached garages can pose some security risks if they're not properly secured, and you may be limited in your design options depending on how much space is available. A detached garage, on the other hand, can provide a flexible space that doubles as a workshop or studio. As a standalone structure, it may also reduce noise transfer to your home, especially if you plan to work on large projects. However, detached garages require extra effort to access, especially in inclement weather, and often involve higher construction costs due to the need for separate utility lines.

To make your decision, consider your lot size, intended use, and long-term goals. Check your neighborhood's guidelines to determine whether there are any regulations about where you can build. And finally, work with a professional contractor to compare different design options and estimates to make sure you have all the information you need to make the best choice for your lifestyle, budget, and property.

Sources: Tilghmanbuilders.com

Team Lasson is here to assist with all of your home buying and remodeling needs! If you’re considering taking the leap into home ownership or renovation in the near future, we’re here to help. Contact us today to explore which loan program aligns best with your financial goals.

The first step in preparing for your big purchase is to get pre-approved for a mortgage at Lake of the Ozarks. Visit www.yourlakeloan.com or call us at (573) 216-7258 to get started today!