Your Lake of the Ozarks Mortgage Lender: Understanding Zoning Laws and your Property

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

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