How To Subdivide Land

Learning How To Subdivide Land

There is a multitude of reasons why someone may want to learn how to subdivide land. Usually those that have an excess amount of land sell off extra pieces as parcels to create additional unaccounted for income. One of the most common questions related to subdividing land is if they are able to subdivide land that has an existing mortgage. The answer to the question is YES you can, however it will require a few additional steps, and hoops to jump through to achieve the same result.

How to subdivide your land is a fairly complex process, make sure not to rush into it or you may find yourself into legal issues. Consult with professionals before beginning the process to ensure it is even possible as it will cost money for the surveyor, paperwork, rezoning if necessary, new plot layouts, and more. An average cost will vary on the size of land you are attempting to sell, but a good estimate is upwards of $5,000.00 or more to subdivide a single plot of land.


First you will want to talk to your mortgage company to see if they will allow you to subdivide the plot of land. Some will and others may not. You can also offer to put the cash generated toward the remaining mortgage which should give you a slightly higher chance for them to decide in your favor on the subdivision of your land plot. None of this applies if your land, and house are totally paid off already with no existing mortgage.


Check with your city zoning commission to ensure you can legally subdivide your land.

Go to your city tax office, and show them the new dimensions of the plot of each piece of land, make sure also to file the new plot layout plans with any other city department that may be necessary in your local area. The local surveyor’s office can let you know which offices you will need to file with which varies on location. For most cities this would be the County Recorder's Office.

Next you will want to have the land you want to subdivide surveyed so that you are able to get the exact dimensions of the land are.

Final Tips

After determining the exact dimensions you can do some research, and find out how much per square foot the land around you is worth. This provides you an estimate of what your land should be able to be sold for. Or you may also pay an appraiser who will do this for you if you do not wish to do it yourself. Then do the simple math on how many square feet the land you are subdividing is and multiple it by the average price per square foot in your area.

The final approval step is the State Department of Real Estate will review all the submitted data, and make an inspection before coming to a final decision. After this is complete you will now be able to sell the subdivided land.

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Comments 2 comments

jasoncox83 profile image

jasoncox83 6 years ago from Ohio Author

Yes this is a very complex process though the time it takes will vary from state to state.


dallas93444 profile image

dallas93444 6 years ago from Bakersfield, CA

Remember it will take over a year to complete the process - in California.. You must be zoned for this. It not there are public hearings, bonds, utilities and much more... to consider. If you subdivide less than four parcels, you do not have to get DRE approval. Still must be zoned for it...

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