Title & Ownership

Order title search

Verify current ownership and chain of title

Check for mortgages

Confirm if mortgages will be discharged by tax sale

Review liens & encumbrances

Check for CRA liens, utility liens, condo liens, etc.

Confirm easements & rights-of-way

Identify any access restrictions or utility easements

Property Inspection

Visit property location

Drive by or walk the property to assess condition

Verify road access

Confirm legal access from a public road

Assess building condition

Note visible damage, neglect, or structural issues

Check for occupancy

Determine if property is occupied or vacant

Zoning & Land Use

Verify current zoning

Confirm zoning designation with municipality

Check permitted uses

Ensure your intended use is allowed

Review building setbacks

Check setback requirements for structures

Check for development restrictions

Conservation areas, heritage designations, etc.

Environmental Concerns

Check flood zone status

Verify if property is in a flood plain

Review wetland mapping

Check for provincially significant wetlands

Check contamination records

Review environmental site registry

Assess septic/well status

For rural properties without municipal services

Financial Analysis

Review tax assessment

Get current MPAC/provincial assessment value

Research comparable sales

Find recent sales of similar properties nearby

Estimate repair costs

Budget for necessary repairs and renovations

Calculate maximum bid

Use our Investment Calculator

Tender Preparation

Read tender package carefully

Understand all terms and conditions

Confirm deposit requirements

Prepare certified cheque or bank draft

Note submission deadline

Mark closing date/time on calendar

Arrange financing if needed

Confirm funds available for closing

Tax Sale Due Diligence Checklist