A Practical Guide to Subdivision and Platting in Eagleton Village, Tennessee
Subdivision and platting matters shape how land is divided, developed, and recorded within Eagleton Village and the surrounding areas of Blount County. This page explains the legal steps property owners, developers, and community stakeholders should expect when seeking to divide property or record plats. The information below covers local filing requirements, coordination with municipal and county planners, survey review, boundary adjustments, and common legal issues that arise during the platting process. If you own land in Eagleton Village or nearby communities, understanding these procedures can help keep a project on schedule and avoid recording setbacks that delay development or sale.
Whether you are preparing a small lot split or a larger residential subdivision, the process requires careful attention to surveys, easements, access, and compliance with local subdivision ordinances. This guide describes the typical steps and decisions landowners face, from preliminary consultation through plat approval and final recording. It also highlights key risks such as encroachments, restrictive covenants, and utility coordination that can stall projects. Familiarity with these issues helps property owners make informed choices, communicate effectively with planners and surveyors, and protect the value of the property throughout the subdivision and platting process.
Why Proper Subdivision and Platting Matters for Property Owners in Eagleton Village
Accurate subdivision and platting secure a clear legal description of parcels, ensure proper public access, and protect future property use by creating a permanent recorded map of boundaries and easements. A well-prepared plat reduces disputes about property lines, clarifies utility responsibilities, and makes transactions like sales or financing smoother. For landowners in Eagleton Village, complying with local regulations and securing properly recorded plats can preserve property value and avoid costly corrections later. Working through the process methodically also helps align development plans with county or municipal infrastructure requirements and minimizes delays at the recording office.
About Jay Johnson Law Firm and Our Approach to Subdivision and Platting
Jay Johnson Law Firm serves property owners across Tennessee with a focus on practical legal support for real estate matters, including subdivision and platting. The firm emphasizes clear communication, coordination with land surveyors and local planning departments, and a steady focus on documentation that will stand up to later review. Our approach combines careful analysis of title, easements, and municipal requirements with responsive client service to keep projects moving forward. If a project raises questions about road access, stormwater, or deed restrictions, we work with professionals and officials to resolve those issues efficiently and with attention to local procedures.
Understanding the Subdivision and Platting Process in Eagleton Village
Subdivision and platting involve converting raw land descriptions into a recorded map that establishes lot lines, easements, rights of way, and any public or private restrictions. The process typically starts with a survey and plat preparation, followed by review from municipal or county planning staff to ensure compliance with zoning and subdivision standards. In Eagleton Village, this may include addressing access to existing roads, drainage plans, and dedication of rights of way. The legal work coordinates title review, drafting any necessary deed adjustments, and preparing the documents required for recording at the county register of deeds.
Key steps include confirming ownership and title status, ordering or reviewing surveys, preparing draft plats, and communicating with engineers and planners to address technical requirements. Many projects require public notice or approval from planning commissions. The final recorded plat becomes the authoritative legal map used in future transactions and for tax assessments. Engaging early with local officials and ensuring the plat satisfies municipal standards reduces the risk of revisions that can delay recording. Thoughtful planning at each stage keeps the process efficient and protects the long-term use and marketability of the subdivided lots.
What a Plat Is and How It Functions in Land Development
A plat is a scaled, surveyed drawing that shows the divisions of a parcel of land into lots, blocks, streets, easements, and any areas reserved for public use. It includes precise bearings, distances, and references to monuments or corner markers used to define boundaries. Once approved by the appropriate authority and recorded, the plat serves as the official legal description of the subdivided property. For owners and buyers in Eagleton Village, the recorded plat simplifies title work and clearly communicates rights and restrictions, such as drainage easements or utility corridors, which can affect development plans.
Core Elements and Typical Steps in Preparing a Plat
Preparing a plat requires coordination among landowners, surveyors, engineers, and local planning staff. Important elements include an accurate boundary survey, proposed lot and street layouts, easement designations, and any dedications required by local ordinance. The process usually involves preliminary meetings, submission of a draft for staff review, revisions to address comments, and final submission for approval and recording. Legal tasks include checking title for existing restrictions, drafting any easement language or dedications, and ensuring the final plat text aligns with title documents and local recording standards.
Key Terms and Glossary for Subdivision and Platting
Understanding common terms used in subdivision and platting helps property owners navigate the process with confidence. The glossary below explains frequently encountered words such as plat, easement, right of way, survey monument, and dedication. Familiarity with these definitions makes it easier to interpret review comments from planners and to discuss changes with surveyors or engineers. Clear terminology also reduces the chance of miscommunication that can lead to costly revisions or delays when seeking approval and recording of a plat in the county records.
Plat
A plat is a formal map or drawing that shows the division of a tract of land into lots, streets, easements, and other designated areas. It includes measured dimensions and references to permanent survey markers. Once a plat is approved by the appropriate local authority and recorded in the county register of deeds office, it becomes the official legal record that governs lot boundaries and certain public uses. Recorded plats are used in conveyances, financing, and by municipal agencies to determine where infrastructure and services will be provided.
Easement
An easement is a limited right that allows a person or entity to use another person’s property for a specific purpose, such as utilities, drainage, or access. Easements are often shown on plats so property owners and service providers know where utility lines, stormwater channels, or access drives can be placed. Easements can be permanent or temporary and may be created by expression in a deed, by recorded plat, or by agreement. Understanding existing easements is essential before subdividing land to avoid conflicts and to allocate responsibility for maintenance.
Right of Way
A right of way grants the public or a governmental entity the legal right to pass through property, typically for roadways, sidewalks, or utilities. In subdivision projects, rights of way are often dedicated to the municipality or county as part of roadway construction or extension. The plat will show the location and width of any rights of way dedicated with the subdivision. Proper dedication and acceptance are necessary for the public agency to assume responsibility for maintenance and to ensure lawful access to lots created by the subdivision.
Dedication
Dedication occurs when a property owner conveys land or an interest in land, such as a road or public area, to a government entity for public use. Dedications are frequently required by local subdivision ordinances to provide public access, stormwater facilities, or parkland. A dedication can be shown on the plat and becomes effective when the governing authority accepts it. Legal attention to the language of dedication and any required resolutions or acceptance documents ensures that the public and the owner have a clear understanding of rights and responsibilities.
Comparing Limited vs. Comprehensive Approaches to Subdivision Matters
Property owners may choose a limited scope of legal assistance focused on specific tasks like title review or plat review, or a more comprehensive approach that includes full coordination with surveyors, planners, negotiations over dedications or easements, and representation during approval hearings. A limited approach can reduce upfront cost for straightforward lot splits, while a comprehensive approach can provide broader protection for larger developments or projects with complex issues. Evaluating the project size, local ordinance requirements, and potential title complications helps determine the most appropriate level of legal involvement for a given subdivision project.
When a Targeted Legal Review May Be Appropriate:
Simple Lot Splits with Clear Title
A limited legal review is often suitable when a property owner seeks a simple lot split or boundary line adjustment and the title search reveals no unexpected liens, easements, or encroachments. In such cases the work may involve confirming ownership, reviewing a survey and draft plat, and advising on any minor deed language needed to reflect the change. This focused approach can be cost-effective when municipal requirements are straightforward and there is confidence in the existing survey and ownership records.
Minor Administrative Filings
When the subdivision action involves minor administrative filings that do not trigger additional infrastructure requirements or public hearings, a narrow legal engagement can handle the necessary paperwork and ensure proper recording. This type of service focuses on meeting recording standards, preparing short form deeds or affidavits if needed, and confirming the final plat language. It is a practical option for low-risk transactions that do not alter public access or require substantial coordination with local agencies.
When a Full-Service Legal Approach Is Advisable:
Complex Developments and Multiple Stakeholders
A comprehensive approach is appropriate for larger developments or projects involving multiple lots, complex easement configurations, road construction, or coordination among lenders and developers. This level of service includes managing communications with surveyors, engineers, municipal planners, and utility providers, negotiating dedications and maintenance responsibilities, and addressing title issues that could affect financing or sale. Comprehensive legal coordination reduces the risk of downstream disputes and helps keep a multifaceted project on schedule through permit and approval phases.
Projects Requiring Public Approval or Significant Revisions
When a subdivision requires planning commission review, variances, or conditional approvals, a comprehensive legal approach helps present the case clearly, prepare necessary submissions, and respond to public or agency comments. Legal involvement can include attending hearings, drafting agreements for off-site improvements or mitigation, and ensuring that conditions of approval are documented in a way that protects the owner’s interests. Addressing these matters proactively avoids surprises and complications during final plat recording.
Benefits of Taking a Comprehensive Approach to Subdivision and Platting
A comprehensive approach brings coordinated oversight to a subdivision project, reducing the chance of overlooked title defects, boundary conflicts, or improperly recorded easements. By integrating legal review with survey and engineering work, property owners receive a cohesive plan for approvals and recording. This minimizes the need for costly corrections after recording and protects the value of the newly created lots. For projects in Eagleton Village, careful coordination with county or municipal staff can help manage local requirements efficiently and keep the timeline intact.
Comprehensive representation also helps when lenders, buyers, or local agencies request specific covenants or deed restrictions. Legal oversight ensures those requirements are clearly drafted and properly reflected on the plat and in related documents. This clarity prevents disputes and facilitates future transactions. Additionally, comprehensive planning can address long-term matters such as maintenance responsibilities for common areas, stormwater management obligations, and access agreements that affect the ongoing operation of the subdivision.
Improved Record Accuracy and Reduced Title Risk
A comprehensive process emphasizes accurate surveys and careful title review to ensure the recorded plat aligns with legal descriptions and prior instruments. This reduces the possibility of title defects or boundary disputes that could interfere with sales, refinancing, or development. By addressing possible conflicts before final recording, owners protect the marketability of individual lots and reduce the risk of later litigation. Accurate records also aid local governments and service providers in delivering utilities and maintaining infrastructure within the subdivision.
Smoother Approval and Recording Process
Bringing legal, surveying, and engineering work together early helps anticipate and resolve regulatory comments, which often speeds the approval timeline. Addressing requirements for access, drainage, and easements before submission limits the need for multiple revisions and clarifies responsibilities for improvements. A coordinated approach reduces administrative delays at the planning commission level and streamlines final recording at the county register of deeds. This practical alignment of tasks saves time and minimizes incremental costs that arise from repeated redesigns.
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Practical Tips for a Smooth Subdivision and Platting Process
Start with a Current Survey and Title Review
Securing a recent boundary survey and conducting a thorough title review at the start of a subdivision project prevents many common problems. A current survey reveals existing easements, encroachments, and monuments that influence lot configuration. Title review uncovers liens, prior dedications, or covenant language that may affect the division. Addressing these items early allows for informed discussions with planning staff and surveyors, reducing the likelihood of costly revisions after initial submissions. Early clarity makes the approval path more predictable and more efficient for owners and stakeholders.
Coordinate Early with Local Planning Officials
Document Agreements and Dedications Clearly
When dedications, maintenance responsibilities, or easement grants are part of the subdivision, documenting these arrangements precisely avoids future disputes. Clear language in the plat and in accompanying agreements ensures the parties and public agencies understand who is responsible for roads, drainage, and common areas. Well-drafted documents assist with lender reviews and title insurance and provide a straightforward reference for future owners. Investing time in clear recordation reduces the chance of disagreements and preserves the intended use and value of the property.
Why Property Owners in Eagleton Village Seek Subdivision and Platting Services
Owners consider subdivision and platting to convert a larger parcel into sellable lots, to adjust boundaries for family transfers, or to create parcels better suited for financing or development. Platting clarifies lot lines and easements for buyers and lenders, reducing uncertainty in conveyances. Additionally, landowners may need to comply with local code requirements to obtain access permits, connect utilities, or build infrastructure. Properly handled platting provides a recorded legal framework for future use and transactions, supporting both development goals and estate planning transitions.
Planning a subdivision can also address practical concerns such as resolving overlapping easements, documenting road access, or creating parcels compatible with municipal zoning. Property owners who anticipate sale, financing, or development benefit from having a clear, recorded plat that reflects current conditions and agreements. Whether the goal is a minor boundary adjustment or a multi-lot division, professional coordination helps align the plat with local requirements and market expectations, preserving value and facilitating a smoother transfer or development process in Eagleton Village.
Common Situations That Lead Owners to Pursue Subdivision and Platting
Typical circumstances include dividing family property for inheritance or sale, preparing land for residential development, resolving boundary disputes, or creating financing-friendly parcels with clear legal descriptions. Developers may need to plat land to provide public access and utilities for new homes, while homeowners may seek simple lot splits to sell a portion of their property. In every case, a recorded plat provides a definitive public record that supports marketability, secures access, and defines utility and maintenance responsibilities for the future.
Family Property Division
When land heirs want separate ownership or wish to distribute parcels among family members, subdivision and platting clarify boundaries and create legal descriptions suitable for deeds. The plat ensures the divisions are publicly recorded and reduces the risk of future disputes over who owns which portion. For families in Eagleton Village, careful planning also addresses road access and utility connections needed for independent use of each parcel, making transfers straightforward and minimizing administrative obstacles.
Preparing Land for Sale or Development
Developers and landowners planning to sell lots often need a recorded plat to show buildable parcels with defined access and utility easements. A plat that meets local standards makes it easier for buyers and lenders to evaluate and finance individual parcels. Addressing issues such as drainage, rights of way, and utility connections during the platting phase reduces negotiation friction later in the sales process and helps the overall project move smoothly from planning to construction and sale.
Resolving Boundary or Title Uncertainties
Property owners facing uncertain boundary lines or conflicting descriptions in older deeds often use modern surveys and plats to establish clear, recorded boundaries. A current plat can reconcile discrepancies between historical records and physical markers, clarifying ownership for tax, sale, or development purposes. Resolving these issues proactively reduces the potential for disputes and streamlines future conveyances or financing by providing a reliable legal map of the property.
Local Help for Subdivision and Platting in Eagleton Village
Jay Johnson Law Firm provides guidance for subdivision and platting matters in Eagleton Village and throughout Tennessee, assisting with title review, plat preparation coordination, and communication with planning departments. Our practice aims to make the process understandable and manageable for owners and developers, scheduling timely submissions and helping address review comments. If you need help preparing a plat, clarifying easement responsibilities, or documenting dedications, the firm can work with your surveyor and local officials to keep the project moving toward successful recording.
Why Choose Jay Johnson Law Firm for Subdivision and Platting Matters
Choosing legal counsel that understands local recording practices and the procedural steps for municipal approvals can prevent many common delays. Jay Johnson Law Firm focuses on clear communication with clients and local agencies, helping manage the various technical and administrative tasks required for a successful plat. The firm coordinates with surveyors and engineers to ensure that plats and supporting documents meet county standards and align with title records, reducing the likelihood of revisions at the register of deeds office.
The firm’s approach emphasizes proactive problem-solving, including early identification of potential title or access issues and pragmatic drafting of easements and dedications. This preparation helps clients anticipate and respond to planning staff comments without unnecessary delays. Clients appreciate practical guidance through the approval process, from initial planning conversations to final recording, with attention to paperwork, timelines, and clear explanations of obligations that affect property ownership and future transfers.
For property owners in Eagleton Village, having legal support during subdivision protects the integrity of the recorded plat and supports clean conveyances later. Whether the project is a simple lot split or a more complex division requiring coordination among multiple parties, the firm helps maintain an orderly path to approval and recording so owners can move forward with sales, construction, or estate planning with confidence.
Request a Consultation About Subdivision and Platting in Eagleton Village
How We Handle the Subdivision and Platting Process
Our process begins with an initial review of title and any existing surveys or plats, followed by a strategy meeting to identify municipal requirements and technical steps. We coordinate with surveyors and engineers to prepare a draft plat that reflects local standards and address potential concerns before submission. During review, we respond to planning staff comments, assist with required documents for public hearings if needed, and prepare the final submission for approval and recording. Clear timelines and open communication guide clients from start to finish.
Step 1 — Initial Review and Planning
The first step is a careful review of title, existing surveys, and zoning or subdivision ordinances that apply to the property. This evaluation identifies any encumbrances, easements, or deed restrictions that may affect lot layout and indicates whether variances or additional approvals will be necessary. Establishing this baseline helps determine the appropriate platting approach and informs discussions with surveyors and planning officials about the most efficient path to approval.
Title and Document Review
We examine title records to uncover liens, prior dedications, easements, or unresolved boundary issues. Reviewing these documents early prevents surprises that can stall approval or complicate financing. If title issues are identified, we recommend practical steps to resolve them, such as obtaining releases, preparing corrective deeds, or clarifying ownership interests, so the plat can accurately reflect legal conditions and support smooth recording.
Survey and Preliminary Plat Coordination
Working with a licensed surveyor, we ensure the preliminary survey includes all required information such as monumentation, bearings, distances, and existing encumbrances. Drafting a preliminary plat allows planning staff to review proposed lot layout, access, and easements early in the process. Coordinating these technical elements upfront streamlines subsequent reviews and helps align the final plat with local standards and title requirements.
Step 2 — Submission, Review, and Revisions
After preparing the preliminary plat and addressing title matters, the next step is submitting the plat to the appropriate planning department. The review period may reveal comments regarding lot size, infrastructure, drainage, or easement placement. We assist in responding to those comments, negotiate reasonable solutions with planners, and coordinate any required engineering revisions. Filing accurate and complete responses reduces the number of review cycles and increases the likelihood of timely approval and recording.
Responding to Agency Comments
When the planning department issues comments, we help craft practical responses and coordinate with surveyors and engineers to make necessary adjustments. Timely and precise responses demonstrate compliance with local standards and can often resolve concerns without additional hearings. Addressing agency input efficiently helps maintain the project timeline and reduces the cost associated with multiple rounds of revision and resubmission.
Public Hearings and Approvals
If a project requires public hearings or planning commission approval, we prepare the required materials and represent the property owner during the process, presenting the plat and proposed solutions to any concerns. Clear documentation and a well-prepared presentation can help secure approval with reasonable conditions. After approval, we confirm the exact language needed for dedication or covenant documents so the final plat is ready for recording in the register of deeds office.
Step 3 — Final Plat Preparation and Recording
Once approvals are obtained and any required conditions are addressed, we prepare the final plat and supporting documentation for recordation. This includes confirming signature blocks, notary requirements, and any necessary attestations by local officials. Ensuring the plat conforms to recording requirements prevents rejection at the register of deeds office and secures a clear public record that will guide future conveyances and development of the lots.
Final Documentation and Certifications
The final plat must contain the precise language and certifications required by the local jurisdiction, including surveyor certifications, owner acknowledgments, and any municipal acceptance statements. Reviewing these technical elements carefully before recording prevents the need to refile corrected plats. Properly executed final documentation reduces delays and ensures the recorded plat provides a dependable legal basis for sales, financing, and local permitting.
Recording and Post-Recording Follow Up
After recording the plat at the county register of deeds, we confirm that the recorded document accurately reflects the approved final version. Post-recording follow up can include notifying lenders, updating title records, and advising clients on how the recorded plat affects deeds and property tax assessments. This final step ensures that the new lot configuration is reflected in the public record and that subsequent transactions proceed without ambiguity.
Frequently Asked Questions About Subdivision and Platting
What is the difference between a lot split and a subdivision?
A lot split generally refers to dividing a parcel into a small number of new parcels, often under administrative rules with fewer design requirements and no need for full subdivision improvements. A subdivision typically creates multiple lots and may require infrastructure improvements such as roads, sidewalks, or stormwater management, along with more extensive review by planning authorities. The distinction depends on local ordinances and the scope of the division, so it is important to consult local regulations to see which procedure applies.If your property division is simple and meets local administrative criteria, the lot split path can be faster and less costly. For larger or more complex divisions requiring infrastructure, a subdivision process with engineering plans and public review will be required. Understanding local thresholds helps owners choose the right approach and prepare for the necessary steps to achieve recording.
How long does plat approval and recording typically take in Blount County?
Timing for plat approval and recording varies based on local workload, the complexity of the application, and whether the submission requires public hearings. Simple lot splits handled administratively can sometimes be approved in a matter of weeks, while complex subdivisions involving multiple reviews, engineering studies, and hearings may take several months. Early coordination with planning staff and addressing likely concerns in advance can shorten the process.Factors that affect timing include the completeness of the initial submission, agency review cycles, and any required permitting from other departments. Preparing a thorough initial submission that anticipates common comments minimizes revisions and often leads to quicker approval and recording at the register of deeds office.
Do I need to notify neighbors before platting my property?
Whether neighbors must be notified depends on local rules and the type of subdivision approval required. Some administrative lot splits do not require public notice, while subdivisions or actions requiring variances or special permissions may require public notice and hearings. Checking with the local planning department early clarifies any notice or hearing requirements that may apply to your project.Even when not required, informal communication with neighbors can prevent misunderstandings and objections that might complicate approval. Explaining proposed changes, sharing preliminary plats, and being responsive to concerns helps build goodwill and can ease the review process if neighbors have questions about access or potential impacts.
What common issues can delay plat approval?
Common issues that delay approval include incomplete submissions, unresolved title matters, unclear easement locations, lack of required infrastructure plans, and failure to meet minimum lot standards or setback requirements. Inaccurate surveys or missing certifications can also result in additional review cycles. Anticipating these common pitfalls and addressing them in the initial submission reduces the need for revisions and speeds up approval.Coordination with surveyors and engineers to provide accurate, complete documentation is essential. Planning for potential requirements such as drainage studies, road improvements, or off-site mitigation ahead of time avoids surprises and keeps projects from stalling during the review process.
How are easements shown on a plat and who enforces them?
Easements are typically shown on the plat with notes describing their purpose, dimensions, and any applicable restrictions. The plat provides a public record that informs property owners and utilities about where rights to use land for specific purposes exist. Enforcement of easements depends on the terms; utility companies often have enforcement authority for operational easements, while private party easements are enforced through civil action when necessary.Clear designation of easements on the plat prevents confusion about maintenance responsibilities and protects utility access. When drafting easement language, it is important to be specific about permitted uses and maintenance obligations to avoid disputes later on and to ensure the rights align with practical needs for access and service.
Will a recorded plat change my property taxes?
A recorded plat can affect property tax assessments by changing how the parcels are described and titled, which may lead to separate tax parcels and individual assessments for each new lot. Whether taxes change depends on local appraisal practices and how the subdivision affects assessed values. Owners should consult the county assessor to understand timing and potential assessment implications after recording.Recording a plat itself does not automatically increase taxes, but new parcels may be reappraised individually. Communicating with the assessor’s office and understanding local tax procedures helps set expectations about timing and any possible changes to tax notices following subdivision and recording.
Can I build on a newly created lot immediately after recording?
Building on a newly created lot typically requires ensuring the lot meets local zoning, setback, and utility requirements and obtaining necessary building permits. Recording the plat establishes the legal lot, but construction cannot begin until permits are approved and any conditions of subdivision approval—such as road or utility improvements—are satisfied. Checking with local permitting and building departments early clarifies what prerequisites must be completed before construction begins.Lenders and title companies may also require confirmation that any subdivision conditions are satisfied before financing construction. Confirming permit requirements and any required infrastructure improvements helps property owners plan the timeline for building and avoid costly delays once construction is initiated.
What does dedication of rights of way mean on a plat?
Dedication of rights of way on a plat means the owner is conveying a portion of the property for public use, typically for streets, sidewalks, or utilities. The plat will indicate the dimensions and location of the dedicated area and may include acceptance language or require a separate action by the governing authority to accept the dedication. Proper documentation ensures the public entity understands the scope of the dedication and, when accepted, assumes responsibility for maintenance where appropriate.Dedications should be drafted clearly to reflect the owner’s intent and to coordinate with municipal acceptance procedures. Confirming the acceptance process with local officials avoids uncertainty about when the public entity will assume responsibility for the dedicated area and ensures the plat accurately records the dedication for future reference.
How do I correct an error on a recorded plat?
Correcting an error on a recorded plat usually requires filing a corrective or amended plat with the county register of deeds, following the local procedures for amendments. The correction process may require affidavits, corrected survey information, and approvals comparable to those needed for the original plat. It is important to act promptly to address any inaccuracies to prevent future disputes or problems in conveyancing and financing.If the correction affects other parties, such as adjoining property owners or public entities, it may be necessary to obtain their consent or address objections as part of the amendment process. Working closely with a surveyor and the planning department ensures the corrected plat satisfies recording requirements and accurately reflects the intended legal and physical conditions.
What documentation do lenders typically require for financed lots?
Lenders typically require a clear title report showing the proposed lot with no unresolved liens, a recorded plat or draft plat that meets local recording standards, and documentation of any easements or rights of way that affect the property. They may also request evidence that any conditions of subdivision approval will not impair the lender’s security interest. Providing complete documentation upfront helps lenders evaluate the collateral and facilitates financing for lot purchases or construction.Understanding lender requirements early in the platting process allows owners to structure the subdivision and documentation to meet financing needs. Coordinating with the lender, title company, and surveyor reduces surprises and ensures that recorded plats and related documents support the closing and any subsequent loans secured by the new lots.