ALTA Endorsement 3.2 (Zoning - Land Under Development) (7-1-21)

This form applies to:
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • Colorado
  • Connecticut
  • District of Columbia
  • Georgia
  • Hawaii
  • Idaho
  • Illinois
  • Indiana
  • Iowa
  • Kansas
  • Kentucky
  • Maine
  • Maryland
  • Massachusetts
  • Michigan
  • Minnesota
  • Mississippi
  • Missouri
  • Montana
  • Nebraska
  • Nevada
  • New Hampshire
  • North Carolina
  • North Dakota
  • Ohio
  • Oklahoma
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Utah
  • Vermont
  • Virgin Islands
  • Virginia
  • Washington
  • West Virginia
  • Wisconsin
  • Wyoming
Forms by State
Organization Forms

ALTA Endorsement 3.2 (Zoning - Land Under Development) (7-1-21)

Confirm with your local underwriter whether or not any modifications of this form are allowed.

Form Document
V 9


This endorsement is issued as part of
Policy Number ______________________
issued by



File No.: ______________________

Charge: ______________________


1.         For purposes of this endorsement:

a.      “Improvement”: A building, structure, road, walkway, driveway, curb, subsurface utility, or water well existing at the Date of Policy or to be built or constructed according to the Plans that is or will be located on the Land, but excluding crops, landscaping, lawns, shrubbery, or trees.

b.      “Plans”: Those site and elevation plans made by _______________dated ____, last revised ________, designated as ________________ consisting of ___sheets.

c.      “Zoning Ordinance”: A zoning ordinance or zoning regulation of a political subdivision of the State that is in effect and applicable to the Land at the Date of Policy.


2.         The Company insures against loss or damage sustained by the Insured in the event that, at the Date of Policy:

a.      According to the Zoning Ordinance, the Land is not classified Zone _____________________;

b.      The following use or uses are not allowed under that classification: _____________________;

c.      There is no liability under Section 2.b. if the use or uses are not allowed as the result of any lack of compliance with any condition, restriction, or requirement contained in the Zoning Ordinance, including but not limited to the failure to secure necessary consents or authorizations as a prerequisite to the use or uses. Section 2.c. does not modify or limit the coverage provided in Covered Risk 5.


3.         The Company further insures against loss or damage sustained by the Insured by reason of a final decree of a State or federal court having jurisdiction either prohibiting the use of the Land, with any Improvement, as specified in Section 2.b. or requiring the removal or alteration of the Improvement because, at the Date of Policy, the Zoning Ordinance has been violated with respect to any of the following matters:

a.      The area, width, or depth of the Land as a building site for the Improvement;

b.      The floor space area of the Improvement;

c.      A setback of the Improvement from the property lines of the Land;

d.      The height of the Improvement; or

e.      The number of parking spaces.


4.         There is no liability under this endorsement based on:

a.      The invalidity of the Zoning Ordinance until after a final decree of a State or federal court having jurisdiction adjudicating the invalidity, the effect of which is to prohibit the use or uses described in Section 2.b.

b.      The refusal of any person to purchase, lease, or lend money on the Title covered by this policy.

This endorsement is issued as part of the policy. Except as it expressly states, it does not (i) modify any of the terms and provisions of the policy, (ii) modify any prior endorsements, (iii) extend the Date of Policy, or (iv) increase the Amount of Insurance. To the extent a provision of the policy or a previous endorsement is inconsistent with an express provision of this endorsement, this endorsement controls. Otherwise, this endorsement is subject to all of the terms and provisions of the policy and of any prior endorsements.

[Witness clause]





By: _____________________________
       [Authorized Signatory]

Copyright 2006-2022 American Land Title Association. All rights reserved. The use of ALTA Forms, ALTA Reference materials, and any derivative materials or any section of provided ALTA text are restricted to ALTA licensees and ALTA members in good standing as of the dates of use. All other uses are prohibited. Reprinted under license from the American Land Title Association.

For issuing guidelines on this form, see Guidelines.