Buying land or property in Nigeria is not just a financial commitment. It is a decision that can shape your wealth and peace of mind for years. But what you don’t know can cost you everything.
Before you invest your money, ask these 10 smart, strategic questions. They will save you from common traps and help you invest with confidence.
1. Is the Property Free from Government Acquisition?
Before you even fall in love with the view or location, check if the land is under government acquisition. Lands without proper excision or gazette can be reclaimed without compensation.
Pro tip: Ask for proof of excision or government-approved title documents.
2. Who Truly Owns the Land or Property?
Many have been sold land by the wrong people, families in dispute, land grabbers, or “agents” without real authority. Request the seller’s valid ID and ownership documents. Better yet, verify with the land registry.
3. What Title Does the Land Hold?
Titles determine the legal weight of your purchase. A Certificate of Occupancy (C of O), Governor’s Consent, or Registered Deed of Assignment carries more value than a “family receipt”. No title? No deal.
4. Is There a Survey Plan, and Does It Match the Actual Land?
A survey plan shows land size, location, and coordinates. It should match the land you’re shown, not a vague sketch. Cross-check survey details with a registered surveyor before payment.
5. Are There Any Encumbrances?
Is the land involved in a lawsuit, under mortgage, or inherited but not legally transferred? Any of these could delay or cancel your ownership. Ask for a sworn affidavit of “no encumbrance” and do due diligence.
6. What is the Zoning Regulation of the Area?
You do not want to buy land for a factory only to find it is zoned strictly for residential use. Zoning determines what you can build. Check with the planning authority or local government office.
7. Is the Land Prone to Flooding or Environmental Hazards?
A beautiful property today could turn into a swamp by the rainy season. Avoid ecological disasters, ask about the terrain and drainage. Better still, visit during the rainy season and ask neighbours.
8. What Is the Access Road Like—Now and in the Future?
That lovely plot may be tucked behind multiple blocks with no clear road access. Is it motorable? Is there an easement in place? Access is value. No road, no resale potential.
9. What Are the Hidden Costs?
Beyond the price, ask about legal fees, surveys, development levies, community dues, or agency charges. Transparent sellers will lay it all out. Don’t be afraid to ask, “What is the total cost of ownership?”
10. What is the Long-Term Development Plan for the Area?
Is the area up-and-coming or stagnant? Are there infrastructure plans, estates, or government investments nearby? Buy where growth is headed, not just where it is now.
Asking the right questions today saves you millions tomorrow. Whether you are buying to build, invest, or flip, knowledge is your strongest currency. Don’t be rushed. Investigate. Verify. Think long-term.
At Urban Living Development, we don’t believe in a one-size-fits-all solution. We believe in clarity, strategy, and timing. Whether you choose to build or buy, the most important thing is understanding your ‘why’ and working with a partner who helps you turn that vision into something tangible. The Lagos real estate space is evolving. The more informed your choices, the stronger your return whether it’s peace of mind, rental income, or long-term equity