A lot-and-block description identifies property boundaries based on what source?

• A. A recorded plat showing lots and blocks.
• B. A metes and bounds description.
• C. A legal description based on street names.
• D. A title policy.

Answer: (D)

Lot-and-block descriptions rely on a recorded plat map as the source of boundaries. In subdivisions, the land is divided into lots and blocks on a plat that is filed in the county, and the deed describes the parcel by reference to that plat (lot and block numbers, with the plat’s book and page or reference). The actual boundary lines come from the plat’s dimensions and bearings as recorded. This makes the plat map the primary source for identifying property boundaries in this description method. Metes and bounds describes boundaries by measured distances and directions from a starting point, not by a plat. Descriptions based on street names aren’t fixed legal boundaries, since streets can change over time. A title policy relates to protecting the insured against defects in title and may reference the legal description, but it isn’t the source that defines the boundary itself.