The Hidden Surprise: Open Permits
As the Southwest Florida market picks up heading into spring, we’re already seeing one issue surface repeatedly:
Open and expired permits.
In Lee and Collier Counties, permit issues are becoming one of the most common reasons for:
-
Closing delays
-
Last-minute renegotiations
-
Lender issues
Why This Is Happening More Right Now
During the 2020–2023 renovation surge, many properties had:
-
Roof replacements
-
HVAC upgrades
-
Pool installations
-
Electrical panel updates
But not every permit was properly closed.
When we pull municipal records during the title search, open permits raise red flags, especially for lenders. We run our permit search early, so we can help Sellers know what needs to be done to close them.
Why Lenders Care
An open permit can:
-
Signal incomplete work
-
Create insurance underwriting issues
-
Expose the new owner to fines or reinspection costs
Some lenders will require permits to be closed prior to funding. That can mean scrambling at the 11th hour.
What Realtors Can Do Now
Before listing:
✔️ Run permit history with the municipality
✔️ Ask sellers directly about past work
✔️ Verify permits were finalized; not just pulled
✔️ Build extra time into contract timelines if needed
In competitive spring conditions, speed matters. Preventing a permit surprise protects your closing and your commission.
If you’d like a quick municipal permit check before you go live, The Title Link is happy to help.