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Waterfront Property & Environmental Law
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In the N E W S


U.S. Supreme Court Strikes Blow Against
Beachfront Property Owners' Rights

FEMA REGULATIONS -- See David Levin's PowerPoint Slides [click here]

GLOSSARY OF IMPORTANT TERMS [click here]

Florida Supreme Court Decision Affects Beachfront Owners
New Law Requires Coastal Properties Disclosure Statement
What All Waterfront Property Buyers Should Know
Court Reaffirms Broker and Agent Liability For Misrepresentations


New Florida Law Erodes Waterfront Property Rights

An amendment to Florida’s Administrative Procedure Act, HB 993 (“the Bill”) passed last week by the Florida Legislature significantly changes the ability of affected property owners, and especially waterfront property owners, to challenge the correctness of government agency decisions which substantially affect their property.  Hailed as a boon to big business, the Bill has major adverse consequences for individual home owners seeking to protect their investment.  The Bill severely restricts the ability of private third parties to contest the issuance of, among other things, State environmental permits for projects that may impact the quality and use of waterfront properties.

By way of background, it should be understood that most activities that have the potential of adversely affecting water quality, navigation, wildlife, beaches, and wetlands, require one or more permits or approvals from State agencies.  The decision to issue or deny such permits or approvals is required to be based upon criteria established by State statute and administrative regulations.

For example, before the State may issue a permit for the construction of a boat dock, the applicant must provide through the application process “reasonable assurances” that the proposed project will not adversely affect seagrass, manatees, water quality, or navigation.

Typically, for example, permit applicants for boat docks provide very little information regarding potential impacts to navigation, particularly from a neighbor’s perspective.  Furthermore, State agencies typically accept the information provided by the applicant at “face value”, and do not conduct their own investigation of a project’s potential navigational impacts.

Therefore, for example, if an applicant fails to present information regarding the existence of a navigation channel in close proximity to the proposed dock, and such proximity would adversely affect a neighbor’s ability to get his/her boat in and out of their existing or future dock, it is likely that the State would issue the requested dock permit.

Since 1975, the Florida Administrative Procedure Act has allowed “substantially affected parties” to request a formal administrative hearing to contest permitting decisions made by State agencies.  At least since 1981, following the landmark decision in Florida Department of Transportation v. J.W.C., Inc. Florida Department of Transportation v. J.W.C., Inc., 396 So.2d 778 (Fla. 1st DCA 1981), the Florida Administrative Procedure Act established a “level playing field” between the permit applicant, the State agency, and the affected third-party.

Upon the filing of a challenge requesting a formal administrative hearing, typically an independent administrative law judge would be assigned to conduct a trial-like proceeding wherein evidence and testimony is presented by all parties to determine whether or not the permit met the requirements of State laws and regulations.  Additionally, the filing of a challenge converted the permit issuance from “final agency action” to “preliminary agency action”.

It has long been the understanding following the FDOT v. J.W.C that the administrative hearing to contest the issuance of a State permit was a “de novo” proceeding.  In other words, “no presumption of correctness attaches to the Department’s preliminary approval”.  The administrative hearing was viewed as a step in the “formulation”, not “appeal” of agency action.

At the hearing, the applicant was required to present witnesses and evidence to demonstrate that the proposed project met the applicable standards.  The challenging third-party had the opportunity to cross-examine both the applicant’s and State’s witnesses to challenge the sufficiency and accuracy of the information presented in support of the application.

This right of third-parties to directly question the applicant’s expert witnesses is crucial to the administrative hearing process.  I have won a number of major environmental permitting challenges on behalf of affected third-parties just on the strength of my cross-examination of the applicant’s witnesses.

Since most permit applicants do not think that their application will be challenged, applications frequently are not submitted with the level of detail that would be sufficient to withstand close scrutiny.  The reason for this is that many State permit reviewers do not hold the applicant’s to the level of detail that is required by the statutes and regulations.  Thus, shortcuts are taken by both the applicant’s consultants and State employees.  I have also found that there are a number of environmental consultants who will falsify or report half-truths in the data presented in support of an application.

When, during the course of an administrative hearing, the work effort of applicant’s consultants and State employees is placed under the “spotlight”, frequently it will be found that the applicant did not provide the requisite “reasonable assurances” that the proposed project complies with the applicable requirements of law.

In the boat dock example given above, if the third-party challenger showed under cross-examination of the applicant’s witnesses that no investigation of the potential impact of the proposed dock upon navigation was conducted, the third-party challenger would be entitled to a Final Order denying the requested dock permit.

The Bill passed last week has clearly “tilted the playing field” in favor of permit applicants.  Under the terms of the Bill, the proceeding before the administrative law judge is no longer a true “de novo” hearing.  The agency’s action comes to the hearing with a presumption of correctness.

The applicant is no longer required to produce expert witnesses to support the correctness or accuracy of their work product contained in the application. The Bill states that the applicant may merely submit the application and supporting documents to show “prima facie” entitlement to the requested permit.  Accordingly, the third-party objector is denied the opportunity for cross-examination of the authors of the information submitted to the State.

Under the Bill, the responsibility falls squarely upon the shoulders of the affected third-party to hire experts to conduct the studies either not performed by the applicant, or performed in an incomplete or inaccurate manner.  This is a very costly and unfair burden.

The State’s environmental agencies were created by statute to protect the environment and private property.  These agencies are funded by taxes paid by private property owners.  Private property owners should not be required to pay even more as a consequence of the failure of State agencies to do the work they have been tasked to do.

If State agencies do not have the resources to thoroughly review the information provided in support of an application, or to conduct independent studies to verify the completeness or accuracy of applications, reason dictates that it should be the responsibility of the applicant to justify the facts or conclusions specified in its application.

The Bill, however, expressly benefits the applicant to the clear detriment of third-party property owners, by allowing the applicant to demonstrate prima facie entitlement to the requested permit or authorization simply by submitting into evidence the application, materials submitted in support of the application, the State agency’s report, and the agency’s written intent to issue the requested authorization.

To make matters worse, this major change in long-standing protections for private property owners afforded by the Administrative Procedure Act was made as an eleventh-hour “tack on” amendment to another bill regarding administrative agency “Rulemaking”.  HB 993 has nothing to do with agency rulemaking.  Additionally, the Title to HB 993 which is required to identify the scope of the proposed legislation, refers to the change as “providing that a non-applicant who petitions to challenge an agency’s issuance of a license, permit, or conceptual approval in certain circumstances has the burden of ultimate persuasion and the burden of going forward with evidence”.

There was nothing in the Title to HB 993 to suggest that the proposed legislation was going to change the protection of a “level playing field” that private property owners had enjoyed for at least 30 years.  In fact, the language cited in the Title to HB 993 merely recited the standard that has been continuously applied since the FDOT v. J.W.C. case.  One reading the Title to HB 993 could reasonably assume that the purpose of the Bill was simply to codify a policy that has been in place for a very long time, not to radically change the policy.

The Florida Legislature’s enactment of HB 993 presents further evidence of the State’s lack of concern for private property rights and the dire need for waterfront property owners to organize a state-wide association to have an effective voice in Tallahassee.

 

U.S. Supreme Court Strikes Blow Against
Beachfront Property Owners' Rights

The U.S. Supreme Court has just released its long-awaited decision in a landmark Florida case concerning ownership rights along Florida’s beaches. The decision styled Stop The Beach Renourishment, Inc. v. Florida Department of Environmental Protection upholds a determination by the Florida Supreme Court that when a state authorized beach renourishment project adds sand waterward of privately owned uplands, the newly created beach is publicly owned, and the upland property owner is not entitled to damages as a consequence of its loss of some common law riparian rights due to the separation of the upland property from the waters’ edge.

While under the challenged State Statute (Section 161.191, Florida Statutes) regarding beach renourishment, beach front owners would retain common law riparian rights such as the right of access and unobstructed view to the Gulf or ocean waters, the upland owners would no longer have the riparian right to expand their property ownership due to the slow and imperceptible addition of sand, known as accretion.

Beachfront property owners in the City of Destin and Walton County, in Florida’s panhandle, had challenged a proposed beach renourishment project on the grounds that the resultant improvement, under the provisions of relevant State Statutes, would deprive the owners of the valuable riparian right of accretion, without just compensation.

The U.S. Supreme Court upheld the determination of the Florida Supreme Court that beach front property owners do not have a protected property right to be able to maintain contact with the water. Thus, when the State authorizes the placement of fill between the beach front property owner’s property and the water’s edge to create a new beach, while the upland owner no longer has exclusive rights between the waters edge and his upland property, and no longer is entitled to natural accretions to his land, as long as the beach owner retains the legal right to access the waters, according to the U.S. Supreme Court, the property owner has lost no property right for which compensation must be paid by the State.

This case could have devastating consequences for private property owners who own property along renourished beaches which are impacted by the Deep Water Horizon oil spill. The damages to beaches that are likely to occur from the spill may not be considered as damages to the upland owner if such damage takes place waterward of the recorded Erosion Control Line. It may be difficult for a private upland property owner to prove a loss of property value due to damages to beach area which the owner no longer owns due to the beach renourishment project.

I will continue to analyze the impact of the U.S. Supreme Court’s decision and will revise this report as necessary.

The complete Decision of the U.S. Supreme Court may be found at http://bit.ly/c9Y1Xu


 

GLOSSARY OF IMPORTANT TERMS

Term Definition
30-Year Erosion Projection The projection of long-term shoreline recession occurring over a period of 30 years based on shoreline change information obtained from historical measurements.
AADT Average Annual Daily Traffic
AAER Average Annual Erosion Rate
Abandonment An action involving relinquishment of rights in real property, by an owner, for the sole purpose of permanently terminating his ownership. Land cannot be abandoned in favor of a specific party. The act of abandonment must be voluntary and intentional.
ABS Area of Biological Significance
Abstract of Title A compilation of abstracts of deeds and other pertinent data which affect the title to a piece of real property, all bound together in chronological order. It is a form of title evidence made for the purpose of title examination. 
Access The right of an owner to go from and return to his land. 
Accretion The process of gradual and imperceptible additions of sand, sediment, or other material to riparian lands made by the natural action of water which results in dry lands formerly covered by water.
Acre A quantity of land containing 43,560 square feet or .4047 hectares of land.
ACSC Area of Critical State Concern
ACSM American congress of Surveying and Mapping
ADA Americans with Disabilities Act
ADT Average Daily Traffic, Average Daily Trips
AGL Above Ground Level
Agreement Deed An agreement between owners to fix a disputed boundary line
AIA American Institute of Architects
AICP American Institute of Certified Planners
AIREA American Institute of Real Estate Appraisers
Alley Narrow service roadway created by land platting.
Along "Along a line" means on and in the direction of the line. "Along the road" means along the centerline or thread of the road unless qualified; for example, along the east side of the road. "Along a line" may be changing in direction by curves or angles. The term "along" may also mean "on". 
Alongshore Directional reference meaning along or approximately parallel to the shoreline; alternatively, shore-parallel, or longshore.
ALTA American Land Title Association
Amoring Manmade structure designed to either prevent erosion of the upland property or protect
eligible structures from the effects of coastal wave and current action. Armoring includes certain rigid coastal structures such as geotextile bags or tubes, seawalls, revetments, bulkheads, retaining walls, or similar structures but does not include jetties, groins, or other construction whose purpose is to add sand to the beach and dune system, alter the natural coastal currents, or stabilize the mouths of inlets.
Angle Angular measure between directional lines.
ANSI American National Standards Institute
Appurtenant A word employed in deeds, leases, etc., for the purpose of including any easement or other right(s) used or enjoyed with the real property, which are considered to be so much a part of the property that they automatically pass to the grantee under the deed conveying the real property.
APR Annual Percentage Rate 
Aquatic Preserve Those areas designated in Part II, Chapter 258, F.S.
ARM Adjustable Rate Mortgage
Artificial Accretion The addition of sand, sediment, or other material to riparian lands caused by man-made projects and operations which results in dry lands formerly covered by water.
Artificial Erosion The slow and imperceptible loss or washing away of sand, sediment, or other material from property caused by man-made projects and operations.
ASA American Society of Appraisers
ASC Area of Special Consideration
ASCE American Society of Civil Engineers
ASHI American Society of Home Inspectors
ASLA American Society of Landscape Architects
Assignee The person to whom an assignment has been made.
Assignment The transfer of the interest one has in real estate.
Assignor The party making the assignment
Assigns The party to whom the property should have been transferred.
AST Aboveground Storage Tank
Avulsion The sudden or perceptible loss of or addition to land by the action of water or the sudden or perceptible change in the bed of a lake or the course of a stream.
Bathymetry Science of measuring water depths (usually in the ocean) to determine bottom topography. 
BD Book Depreciation
Beach Zone of unconsolidated material that extends landward from the mean low water line to
the place where there is marked change in material or physiographic form, or to the line of permanent vegetation.
Beach and Dune System That portion of the coastal system where there has been or there is expected to be, over time and as a matter of natural occurrence, cyclical and dynamic emergence, destruction, and reemergence of beaches and dunes.
Beach Quality Sand Sand which is similar to the native beach sand in both coloration and grain size and is free of construction debris, rocks, clay, or other foreign matter.
Bearing The direction of a line measured from north or south to east or west, not exceeding 90 degrees. Examples: North 30 Degrees West or South 87 Degrees East. 
Bench Mark A point whose elevation, above or below some definite or assumed datum, is known. A bench mark can be natural or artificial, and it can be either permanent or temporary. 
Benthic Communities Any sovereignty submerged land where any of the following associations of indigenous interdependent plants and animals occur: grass beds, algal beds, sponge beds, octocoral patches or beds, hard coral patches or reefs, and tidal swamps, including mangroves, identified in any reports submitted pursuant to paragraph 18-21.004(2)(C), F.A.C., Communities is intended to reflect identifiable assemblages of organisms as opposed to scattered or single individuals.
BFD Base Flood Depth
BFE Base Flood Elevation
BFP Bona Fide Purchaser
BLM Bureau of Land Management of U.S. Department of the Interior; formerly the General Land Office(GLO).
Block A block is a square or portion of a city enclosed by streets, whether occupied by buildings or vacant lots. Blocks are often enclosed by the boundary of a subdivision and are usually broken down into smaller units called "lots". 
BM Bench Mark
BMP Best Management Practice
BOD Biological Oxygen Demand
BOT Board of Trustees of the Internal Improvement Trust Fund
Boundary Survey A survey made to establish or re-establish a boundary line on the ground, or to obtain data for constructing a map or plat showing a boundary line. 
Bounded Usually referred to in legal descriptions as being bounded by the adjoining land owners or by a road, stream, etc. Set off by a boundary.
Bounds The lines by which different parcels of land are divided. "Butts and bounds" or "butted and bounded" are phrases sometimes used to introduce the boundaries of land. "Buttal" means along the end of the land.
Breakaway Wall Partition independent of supporting structural members that is intended to withstand design wind forces but to collapse from a water load less than that which would occur during a 100-year storm event without causing collapse, displacement, or other structural damage to the elevated portion of the building or supporting foundation system.
Building Support Structure Any shore-parallel structure which supports floor, wall, or column loads and transmits them to the foundation.
Bulkhead Line Established line limiting land improvements into an abutting waterway.
BZA Board of Zoning Appeals
CAD Computer-Assisted Drafting
Cadastral Map The base of the assessment cadastre. A map that shows the size, shape and extent of each land parcel in a prescribed geographical area.
Cadastral Surveys The establishment of land boundaries and subdivisions by running and marking of the lines that are required by the plan of the cadastral surveys of the United States. In general, it is any survey executed to measure the boundaries of land parcels.
Cadastre A public record, survey, or map of the value, extent, and ownership of land.
CADD Computer-Assisted Drafting and Design
Call The designation of visible natural objects, monuments, courses, distances, or other matters of description as limits of boundaries. "Locative calls" are particular or specific, and locate a point or line. "Descriptive calls" are general and merely direct attention to the neighborhood in which more specific calls are to be found.
CAM Common Area Maintenance
Canal A trench, the bottom of which is normally covered by water with the upper edges of its two sides normally above water.
CAR Contamination Assessment Report
CARL Conservation and Recreation Lands
CATX Categorical Exclusion
CAV Community Assistance Visits
CCCL Coastal Construction Control Line
Centerline Line or point of equal division or separation.
CERCLA Comprehensive Environmental Response, Compensation, and Liability Act (aka: "Superfund")
CFR Code of Federal Regulations
Ch. Chain or chains abbreviation.
CH/BW Chain Link/Barbed Wire
Chain A land surveyor's measure - 66 feet or 100 links; (2) a directed non-branching sequence of non-intersecting line segments and/or arcs bounded by nodes, not necessarily distinct, at each end. Area chain, complete chain, and network chain are special cases of chain, and share all characteristics of the general case as defined above.
Chain of Title A chronological list of documents which comprise the recorded history of title of a specific piece of real estate.
Channel A trench, the bottom of which is normally covered entirely by water, with the upper edges of its sides normally below water
CIP Capital Improvements Program
CIPS Certified International Property Specialist - NAR designation
Clear Title Title that is free from defects, doubts and litigious uncertainties; a title that would qualify as "marketable title". 
CLOMA Conditional Letter of Map Amendment
CLOMR Conditional Letter of Map Revision
Closed Traverse A traverse that starts and ends at the same point, or at points whose relative horizontal position are known. A traverse that forms a continuous loop enclosing an area is known as a "loop traverse" (also being a closed traverse). Another kind of closed traverse is a "connecting traverse" that starts and ends at separate points whose relative positions have been determined by a survey of equal or higher-order accuracy. 
CMP Corrugated Metal Pipe
CMP Clean Marina Program
CO Certificate of Occupancy
CO Consent Order
Coastal Barrier Islands A Depositional geologic feature consisting of unconsolidated sedimentary materials in an island configuration which is subject to direct attack by wave, tidal, and wind energies originating from the Atlantic Ocean or Gulf of Mexico, and which serves to protect landward aquatic habitats, such as bays and estuaries, and the interior uplands of the mainland from oceanic wave, tidal, and wind forces.
Coastal Construction Control Line (CCCL) The line established pursuant to the provisions of Section 161.053, F.S., and recorded in the official records of the county, which defines that portion of the beach-dune system subject to severe fluctuations based on a 100-year storm surge, storm waves, or other predictable weather conditions.
COD Chemical Oxygen Demand
COE Army Corps of Engineers
Contour Defined line of equal elevation on a map or plat.
Convey To transfer or deliver to another; to pass from one person to another. Equivalent to the word "grant". 
Conveyance Any instrument in writing by which a estate or interest in real property is created, mortgaged, or encumbered, or by which the title to any real property may be affected (except wills). 
Corner The intersection of two or more converging property or survey lines, whether internal or external. In surveying the terms "corner" and "monument" are used largely in the same sense. However, "corner" usually denotes a point determined by the survey, whereas "monument" is the physical structure erected to mark the corner on the earth's surface. 
Course Line or boundary defined by bearing and distance.
Covenant Real property restriction and/or encumbrance.
CPM Certified Property Manager, a designation awarded by IREM
CRB Certified Real Estate Brokerage Manager, a designation awarded by the Council of RE Brokerage Managers
Crest Highest elevation, uppermost level or height of.
CRS Community Rating System
CRS Certified Residential Specialist, a designation awarded by the Council of Residential Specialists
CSM Certified Survey Map abbreviation.
CUP Conditional Use Permit
CWA Clean Water Act
CZMA Coastal Zone Management Act
D&O Directors & Officers insurance, another term that describes professional liability insurance for associations
DACS The Florida Department of Agriculture and Consumer Services.
DCA Florida Department of Community Affairs
DCA Department of Community Affairs
Dedicated Land granted for public or special purposes by an expressed intent in a conveyance or upon a plat.
Deeds A deed is evidence in writing of an executed contract for the sale of land. Several types exits: (1) A Grant Deed  (2) A Quit Claim Deed  (3) An Agreement Deed (4) A Warranty Deed  (5) A Trust Deed 
DEM Division of Emergency Management
DEP Department of Environmental Protection
DER Department of Environmental Regulation (merged into DEP 1993)
Descendants All those who have issued from an individual; i.e., children, grandchildren, and their children-to the remotest degree. 
Description The exact location of a piece of property stated in terms of lot, block, and tract, or by metes and bounds.
DFIRM Digital Flood Insurance Rate Map
Dia. Diameter abbreviation.
DNR Department of Natural Resources (merged into DEP 1993)
DO  Dissolved Oxygen
Dock A fixed or floating structure, including access walkways, terminal platforms, catwalks, mooring pilings, lifts, davits and other associated water-dependent structures, used for mooring and accessing vessels.
DOT Department of Transportation
Dredging The excavation, by any means, in surface waters or wetlands.  It also means the excavation, or creation, of a water body which is, or is to be, connected to any surface waters or wetlands directly or via an excavated water body or series of excavated water bodies.
DRI Development of Regional Impact
DS Due on Sale (clause)
DSL Division of State Lands
DU Dwelling Unit
Dune A mound, bluff or ridge of loose sediment, usually sand-sized sediment, lying upland of the
beach and deposited by any natural or artificial mechanism, which may be bare or covered with vegetation and
is subject to fluctuations in configuration and location.
E&O Errors & Omissions insurance, professional liability insurance for associations
EA Environmental Assessment
EAL Exclusive Agency Listing
Easement An interest in land created by grant or agreement which confers a right upon owners to some profit, benefit, dominion, or lawful use of or over the estate of another; it is district from ownership of land. 
Egress Exiting or emerging right of access.
EIS Environmental Impact Statement
Elevation Vertical height from a defined reference datum.
EMD Earnest Money Deposit.
ePRO A technology certification provided by NAR
ERA Environmental Protection Agency
ERM Elevation Reference Mark
Erosion The wearing away of land or the removal of consolidated or unconsolidated material from the beach and dune system by wind, water, or wave action. Erosion includes: (a) Landward horizontal movement of the line of mean high water or beach and dune system profile. (b) Vertical lowering or volumetric loss of sediment from the beach and dune system or the offshore profile. 
ERP Environmental Resource Permit
ESA Endangered Species Act
ESA Environmentally Sensitive Area
Estuary A semi-enclosed, naturally existing coastal body of water which has a free connection with the open sea and within which seawater is measurably diluted with fresh water derived from riverine systems.
Excavation Any mechanical or manual removal or alteration of consolidated or unconsolidated soil
or rock material from or within the beach and dune system.
Expendable Structure A structure that is subject to use or consumption, suitable for sacrifice,
or is not essential to preserve.
FAC Florida Administrative Code
FAR Floor Area Ratio
Fastland That portion of a coastal island above the upper limit of tidal wetland vegetation, or if such vegetation is not present, that portion of the island above the mean high water line.
FBC Florida Building Code
FBFM Flood Boundary and Floodway Map
FDEP Florida Department of Environmental Protection
Fee An estate of inheritance in land.
Fee Simple An estate of inheritance in land without qualifications or restrictions as to the persons who may inherit it as heirs. Also called an "absolute fee" or a "fee title". Denotes absolute ownership. 
FEMA Federal Emergency Management Agency
FHA Federal Housing Administration
FHBM Flood Hazard Boundary Map
Filling The deposition, by any means, of materials in surface waters or wetlands.
FIRM Flood Insurance Rate Map
FIRM-DLG Flood Insurance Rate Map-Digital Line Graph
FIS Flood Insurance Study
FLDPLN Floodplains
Florida Building Code Refers to Part VII of Chapter 553, F.S., the Florida Building Codes Act,
effective March 1, 2002.
FLUM Future Land Use Map
FMV Fair Market Value
FOIA Freedom of Information Act
FONSI Finding of No Significant Impact
Foreshore The strip of land between the mean high-water and mean low-water lines that is alternately covered and uncovered by the flow of the tide.
Foundation The portion of a structure which transmits the associated dead and live loads of the structure to the ground and includes, but is not limited to, spread footings, foundation walls, posts, piers, piles, beams, girders, structural slabs, cross bracing, and all related connectors. For habitable major structures, the foundation includes all load bearing components below the first habitable floor. For pavements, the foundation includes the subbase and base course layers supporting the pavement layer.
FPM Flexible-Payment Mortgage
FR Federal Register
Frac. Fraction or fractional abbreviation.
Fractional The use of fractional in a deed means there is less land than is usually contained in a lot, block, section, or township. "Fractional" is not synonymous with "part". 
Fractional Lot A fractional lot is a portion of a section not subdivided in the regular manner and may be more or less than the smallest division (40 acres). It is meaningless to refer to a lot in a subdivision, other than government sections as being a fractional lot. 
Fractional Section A section that does not have the full 640 acres due to a body of water or because of a boundary of county or state, but not because the original survey was inaccurate.
FRM Fixed-Rate Mortgage
Frontal Dune The first natural or manmade mound or bluff of sand which is located landward of the beach and which has significant vegetation, height, continuity, and configuration to offer protective value.
Fronting The words "fronting" and "adjoining" are synonymous and such references mean the lots touch the boundary line of the street. 
FSBO For Sale by Owner
FWC Florida Fish and Wildlife Conservation Commission
FWCC Fish and Wildlife Conservation Commission
FWPCA Federal Water Pollution Control Act
FWS (U.S.) Fish & Wildlife Service
Geotextile Container A bag or tube, made of blanket-like synthetic fibers manufactured in a woven or loose nonwoven manner, used as an agent to hold together a large mass of sand forming a rigid tubular structure.
GFE Good Faith Estimate.
GFWFC Game and Fresh Water fish Commission (merged into FWCC 1999)
GIS Geographic Information System
GLO General Land Office; now known as BLM.
Government Lots Lots established, measured, and computed by the U.S. Government's survey of the public lands. The term is often used synonymously with "fractal lots" or "lots" (1/4 1/4 sections irregularly shaped and more, or less than 40 acres). Some government lots are regular in shape and are 40 acres in area.
Government Survey (U.S. Rectangular Land Survey) - In 1785 the U.S. Congress authorized the first land survey of the United States. It specified that surveyed townships were to be 6 miles square. The townships are surveyed from an east-west base line and from north-south principal meridians. Townships are laid off from these base lines and meridians. To identify the townships, each is given an identification in which it was referred to by its relation to the base line and meridian. Horizontal tiers of townships are laid off north and south from the base line and numbered consecutively. Vertical columns of townships called ranges are laid off to the east and west of the principal meridians and numbered accordingly. The townships can be identified by listing the township tier number and the range number, such as township 2 north, range 2 west. Each township is usually divided into 36 sections, each approximately one mile square and divided into 36 sections, each approximately one mile square and containing approximately 640 acres. This may vary considerably at rivers or where base lines or meridians converge, etc., but generally holds true. 
GPS  Global Positioning System
Grade Surface level of ground or rate/degree of slope.
Grant The transfer of real property by deed.
Grant Deed Conveys the fee title of the land described and owned by the grantee. If at a later date the grantor acquires a better title to the land conveyed, the grantee immediately acquires a better title to the land conveyed.
Grantee The person to whom a grant is made; the one who acquires property.
Grantor The person by whom a grant is made; the one who transfers the property.
GRI Graduate, REALTORS® Institute, a NAR designation
Half Section The south-half, north-half, east-half, or west-half of a section would be that half according to the government survey. The general and proper acceptance of the terms section and half section as well as their construction by the B.L.M., denotes the land in the sections and subdivision lines, and not the exact quantity which a perfect measurement of an obstructed surface would declare.
Heirs and Assigns Unless the words "and heirs" are used, the estate conveyed is only for the life of the grantee (estate for life). "And heirs" is not necessary in most states because of statutes abolishing the necessity. "And assigns" is included to take care of corporations, trustees, etc., which cannot have heirs. 
HHA High Hazard Area
Highway Right-of-Way The limit of property acquired to build a highway. It is usually marked by monuments or fences. Right-of-Way for roads, where no property was acquired originally, is normally the limit being used as the road. 
HOA Home Owners' Association
HUD US Dept. of Housing and Urban Development
HUD-1 Settlement Statement that itemizes closing costs for both seller and buyer.
HVAC Heating, Ventilation, Air Conditioning
HWL High Water Line
Hydrodynamic Loads Horizontal and vertical forces resulting from a mass of water in motion, such as the forces associated with the flow accompanying a storm surge. Hydrodynamic loads include the effects of turbulence resulting from the interaction of the flowing water mass with a rigid structure.
Hydrographic Survey Survey of water area, with particular reference to submarine relief, and any adjacent land. See: oceanographic survey.
Hydrography Science that deals with the measurement and description of the physical features of the oceans, seas, lakes, rivers, and their adjoining coastal areas, with particular reference to their use for navigation. 
Hydrology Scientific study of the waters of the Earth, especially with relation to the effects of precipitation and evaporation upon the occurrence and character of ground water.
Hydrostatic Loads Horizontal and vertical forces resulting from a standing mass of water.
I.P. or I.R. Iron pipe or iron rod monument abbreviation.
ICWW Intracoastal Waterway
Ingress Entering right of access.
Interest in Land The legal concern of a person in a thing or property, or in the right to some of the benefits or uses from which the property is inseparable. 
JCP Joint Coastal Permit
Joint Estate An estate which has a plurality of tenants having the same interest in the estate, occurring under the same conveyance, commencing at the same time, and held under the same undivided possession. 
Joint Tenancy An estate arising by purchase or grant to a plurality of persons who have the same interest, under the same conveyance, commencing at the same date, and under the same undivided possession.
Joint Tenants Two or more persons who own equal shares in an estate created by a single transfer. Upon death of a joint tenant, the surviving joint tenant(s) takes the entire property and nothing passes to the heirs of the deceased. 
LAG Lowest Adjacent Ground [grade]
Lagoon A naturally existing coastal zone depression which is below mean high water and which has permanent or ephemeral communications with the sea, but which is protected from the sea by some type of naturally existing barrier.
LEED Leadership in Energy and Environmental Design
Letter of Consent A non-possessory interest in sovereignty submerged lands created by an approval which allows the applicant the right to erect specific structures or conduct specific activities on said lands.
LFE Lowest Flood Elevation
LFFE Lowest Finished Flood Elevation
LGCP Local Governmental Comprehensive Plan
LIBOR London Interbank Offered Rate
Location Monument Location monuments are established in districts where corners of the public survey, and other monuments within two miles, do not exist. Sites of the monuments are usually at some prominent point, giving good visibility from every direction. The monuments are of stone, and marked "USLM" followed by the number of the survey. The exact reference point is marked by a cross chiseled on the top of the monument.
LOMA Letter of Map Amendment
LOMC Letter of Map Change
LOMC Letter of Map Change
LOMC-VALID Letter of Map Change Revalidation
LOMR Letter of Map Revision
LOMR-F Letter of Map Revision Based on Fill
LOS Level of Service
Lost Corner A point of a survey whose position cannot be determined, beyond reasonable doubt, either from traces of the original marks or from acceptable evidence or testimony that bears upon the original position, and whose location can be restored only by reference to one or more independent corners.
Lot Line Lot line is the line shown upon the map creating the lot. Lot line is permanent and does not change with street openings. 
Low Water Minimum height reached by a falling tide. The height may be due solely to the periodic tidal forces or it may have superimposed upon it the effects of meteorological conditions.
Low Water Line Intersection of the land with the water surface at an elevation of low water. Not to be confused with mean low water line. 
LTV Loan-to-Value Ratio.
LUST Leaking Underground Storage Tanks
M.C. Abbreviation for meander corner.
Main Channel Navigable channel of waterway; may not be center.
Major Reconstruction The complete or partial replacement or rebuilding, to its original level of
protection, of a significant portion of an existing armoring structure which has failed or deteriorated.
Major Structure Structures which, as a result of design, location, or size could cause an adverse impact to the beach and dune system. Major structures include:  1. “Nonhabitable Major Structures” which are designed primarily for uses other than human occupancy.  Typically included within this category are roads, bridges, storm water outfalls, bathhouses, cabanas, swimming pools, and garages.  2. “Habitable Major Structures” which are designed primarily for human occupancy and are potential locations for shelter from storms. Typically included within this category are residences, hotels, and restaurants.
Map, Topographic Map that present the horizontal and vertical positions of the features represented; distinguished from a planimetric map by the addition of relief in measurable form. 
Marginal Dock A dock placed immediately adjacent and parallel to the shoreline or seawall, bulkhead or revetment.
Marina Small craft harbor complex used primarily for recreational boat mooring or storage.
Marine Turtle Any turtle, including all life stages from egg to adult, of the species Caretta caretta (loggerhead), Chelonia mydas (green), Dermochelys coriacea (leatherback), Eretmochelys imbricata (hawksbill), and Lepidochelys kempi (Kemp’s ridley).
MBA Mortgage Bankers Association of America
Mean High Water The average height of the high waters over a 19-year period.  For shorter periods of observation, "mean high water" means the average height of the high waters after corrections are applied to eliminate known variations and to reduce the result to the equivalent of a mean 19-year value.
Mean High Water Line The intersection of the local elevation of mean high water with the shore.  Mean high water line along the shore of land immediately bordering on navigable waters is recognized and declared to be the boundary between the foreshore owned by the State of Florida in its sovereign capacity and the uplands subject to private ownership. However, no provision of this rule shall be deemed to impair the title to privately owned submerged lands validly alienated by the State of Florida or its legal predecessors.
Mean Low Water The average height of the low waters over a 19-year period.  For shorter periods of observation, "mean low water" means the average height of low waters after corrections are applied to eliminate known variations and reduce the result to the equivalent of mean 19-year value.
Mean Low-Water Line The intersection of the tidal plane of mean low water with the shore.
Mean Sea Level Elevation datum referenced to averaged sea level observations over an extended period of time.
Mean Tidal Range The difference in height between mean high water and mean low water.
Meander To follow a winding course of a stream. A line (usually the center) that follows the sinuosities of a stream. "Meander" is not synonymous with "meander line". If a deed runs "to a stream; thence with the meanders of said stream", etc., it usually means the line which follows the sinuosities of that stream, and the stream is the boundary. So the deed would be running to the center of the stream (but only if the stream is not navigable), not merely to the banks or the surveyed meander line. 
Meander Corner Corner monuments established according to the U.S. Public Land Surveys at the intersection of section lines with the meander lines of all meanderable bodies of water. 
Meander Line The metes-and-bounds traverse approximately along the shoreline of a permanent natural body of water. In original surveys, meander lines were not run as boundary lines, but for the purpose of defining the sinuosities of the bank or shore line, and for ascertaining the quantity of land remaining after segregation of the water area.
Meander Line Metes-and-bounds traverse approximately along the mean high water line of a permanent body of water. By following the sinuosities of the bank or shoreline, the meander line provides data for computing the area of land remaining after the water area has been segregated. A meander line differs from other metes and bounds surveys in that it does not ordinarily determine or fix boundaries. 
Meter Metric measurement equivalent to 3.280833> feet.
Metes The exact length of each line and the exact quantity of land in square feet, rods or acres; however, when used in the term "metes and Bounds" it does not necessarily mean that the length of a boundary is given. A parcel of land bounded in the deed description by the lands of named persons, rather than by bearings and dimensions would qualify as land described by metes and bounds. 
Metes and Bounds As commonly understood, descriptions of real property which are not described by reference to a lot or block shown on a map, but are described by starting at a known point and describing the bearings and distances of the lines forming the boundaries of the property are called metes and bounds deeds. Parcels of land created in sequence by conveyances, but not all delineated on a map at one time, have senior and junior deed considerations. 
MFFE Minimum Finished Floor Elevation
mg/l milligrams per liter
MHW  Mean High Water
MHWL Mean High Water Line
Minimum-Size Dock or Pier A dock or pier that is the smallest size necessary to provide reasonable access to the water for navigating, fishing, or swimming based on consideration of the immediate area's physical and natural characteristics, customary recreational and navigational practices, and docks and piers.
Minor Structure Structures designed to be expendable, and to minimize resistance to forces associated with high frequency storms and to break away when subjected to such forces, and which are of such size or design as to have a minor impact on the beach and dune system.
Minor Reconstruction The routine repair of an existing, functional, and intact armoring which is necessary to maintain the structural and functional integrity of the structure as originally designed and includes:
repair or replacement of caps, return walls, tiebacks, individual sheet piles, and armor stone.
MLS Multiple Listing Service
MLW Mean Low Water
MLWL Mean Low Water Line
MMPA Marine Mammal Protection Act
MOA Memorandum of Agreement
Monuments (surveying) A physical structure erected for the purpose of marking points on the earth's surface. The monuments of land surveys range from the deposit of some durable material, a marked wooden stake or post, a marked stone, an iron post having an inscribed cap, a marked tablet set in solid rock or concrete block, a marked tree, a rock in place marked with a cross (X) at the exact point of the corner, and other special types of markers.
More or Less The words "more or less" in their ordinary use are to be taken as words of caution, denoting some uncertainty in the mind of one using them and a desire not to misrepresent. When used in connection with quantity and distance, "more or less" are words of safety and precaution, intended merely to cover some slight or unimportant inaccuracy. When "125 feet more or less to the point of beginning" is the point of beginning" is the controlling term. "About 12 acres more or less" is indefinite and should be avoided since the word "about" is very broad in meaning.
MOU Memorandum of Understanding
MPO Metropolitan Planning Organization
MRA Master Residential Appraiser
MSBU Municipal Service Benefit Unit
MSL Mean Sea Level
MSSW Management & Storage of Surface Water
Multi-Slip Docking Facility Any marina or dock designed to moor three or more vessels.
MWFRS Main Wind force Resisting System
NAD 83/90 The North American Datum 1983 adjustment of 1990.
NAD27 North American Datum of 1927
NAD83 North American Datum of 1983
NAR National Association of REALTORS®
National Geodetic Vertical Datum of 1929 Reference surface established by the U.S. Coast and Geodetic Survey in 1929 as the datum to which relief features and elevation data are referenced in the conterminous United States; formerly called "mean sea level 1929."
Natural Boundary Any existing boundary that can be readily identified and located, e.g., the boundary line of an adjacent parcel of land, a river boundary, ditch, wall, bluff, etc. Courses and distances, as a general rule, give way to a call for a natural boundary, because a natural boundary, if fixed, is unchangeable, and more likely to be the true call than courses and distances. 
Natural Monuments Objects permanent in character, which are found on land as they were place by nature, e.g., lakes, streams, bluffs, etc.; in contradistinction to artificial monuments which are landmarks or signs erected by the hand of man.
NAVD 88 The North American Vertical Datum of 1988.
Navigable Waters A body of water which in its ordinary and natural state, by reason of its size, depth and other conditions make the water body capable of navigation for useful public purposes and may be used for purposes common to the public in the locality where it is located.
Navigable Waters of the State of Florida Water bodies that were navigable in fact on March 3, 1845, the date Florida became a State.  Such waters do not include waters which have been conveyed to private individuals by the United States or by the State of Florida without reservation of public rights in and to said waters.
NEP National Estuary Program
NEPA National Environmental Policy Act
Nesting Season The nesting period for marine turtles from May 1 through October 31 of each year for all counties except Brevard, Indian River, St. Lucie, Martin, Palm Beach, and Broward. Nesting season for these counties is the period from March 1 through October 31 of each year.
NFIF National Flood Insurance Fund
NFIP National Flood Insurance Program
NGVD or NGVD29 National Geodetic Vertical Datum, as established by the National Ocean Survey (formerly
called “mean sea level datum, 1929”).
NHC National Hurricane Center
NIMBY Not in My Back Yard
Nineteen-year Tidal Cycle The period of time generally reckoned as constituting a full tidal cycle.
NMFS National Marine Fisheries Service
NOAA National Oceanic & Atmospheric Administration
NOI Notice of Intent
Northerly Towards north. When not controlled by definite courses, monuments, or other definite descriptions, usually means due north. This term must always yield to monuments and other definite calls.
NOV Notice of Violation
NPDES National Pollution Discharge Elimination System
NTU Nephelometric Turbidity Unit
NWFWMD Northwest Florida Water Management District
NWS National Weather Service
OBO Or Best Offer
OFW Outstanding Florida Waters
OGC Office of General Counsel
OHWL Ordinary High Water Line
One-Hundred-Year Storm / 100 Year Storm A shore-incident hurricane or any other storm with accompanying wind, wave, and storm surge intensity having a one percent chance of being equaled or exceeded in any given year.
Original Design Specifications These specifications shall consist of drawings of record prepared and sealed by a registered professional engineer or a professional land surveyor following completion of a project constructed in compliance with a valid department permit.  For projects constructed where prior departmental authorization was not required or where original design specifications were not a requirement of the permit, original design specifications may instead include other competent and substantial evidence of pre-existing conditions, including by not limited to evidence adduced from soil borings, on-site conditions, prior surveys, aerial photographs, or other exhibits acceptable to the department.
Original Plat  Used to distinguish the first plat from the subsequent additions. Original Town or Original Town site are employed in the same manner.
P&Z Planning and Zoning
P.O.B. Continuation or extension of a straight line.
Parcel In land ownership mapping for assessment purposes, a parcel is usually held to be a tract of land under one identical ownership. It may be a combination of two or more tracts acquired by separate deeds.
Patent The title conveyed by the government describing land disposed of by the government is called a patent. 
Patented Lands Lands conveyed by the United States to private persons. 
PE Professional Engineer
Pier Fixed or floating structure used primarily for fishing or swimming and not designed or used for mooring or accessing vessels.
Pile Foundation A system of piles providing the support of a structure, including those piles terminating below grade at pile caps and those piles extending above grade to super elevate a structure.
PITI Principle, Interest, Taxes, and Insurance.
Plat A drawing showing one subdivision with its respective right-of-way, easements, blocks, lots, etc. Same as plot, map, or chart.
PMI Private Mortgage Insurance
Point Spatial location without defined dimensions.
Point of Beginning In a deed description, it is a reference point from which the description begins. It is abbreviated as P.O.B.
Points of Call Monuments, landmarks, objects, boundaries, or other elements of a description, in a deed, that defines the limits of the boundaries of a parcel of land, e.g., "the NW corner of Lot 4", "the left bank of the river", "the north line of the J.P. Smith property", "the center of the county road", etc. The courts have held that where points-of-call are inconsistent with the measurements (either by course, angle, or distance) the points of call are paramount.
ppb parts per billion
Preempted Area The area of sovereignty submerged lands from which any traditional public uses have been or will be excluded by an activity, such as the area occupied by docks, piers, and other structures; the area between a dock and the shoreline where access is not allowed, between docks, or areas where mooring routinely occurs that are no longer reasonably accessible to the general public; permanent mooring areas not associated with docks; and swimming areas enclosed by nets, buoys, or similar marking systems.  
Primary Dune A significant dune which has sufficient alongshore continuity to offer protective value
to upland property. The primary dune may be separated from the frontal dune by an interdunal trough; however,
the primary dune may be considered the frontal dune if located immediately landward of the beach.
Private Channel  Channel that is dredged or maintained by private entities to provide access to or from such locations as private residences, marinas, yacht clubs, vessel repair facilities, or revenue-generating facilities.
Private Residential Multi-Family Dock or Pier Dock or pier on a common riparian parcel or area that is intended to be used for private recreational or leisure purposes by persons or groups of persons with real property interest in a multi-family residential dwelling such as a duplex, a condominium, or attached single-family residences or a residential development such as a residential or mobile home subdivision.
Private Residential Single-Family Dock or Pier Dock or pier used for private recreational or leisure purposes that is located on a single-family riparian parcel or that is shared by two adjacent single-family riparian owners if located on their common riparian rights line.
Prolongation Continuation or extension of a straight line.
Public Channel Channel that is constructed or maintained by a public entity such as a federal or state agency, local government, or inland navigation district listed in Chapter 374, F.S., or that is part of a public navigation project, public water management project, or a deepwater port listed in Section 403.021(9)(b), F.S.
Public Interest Demonstrable environmental, social, and economic benefits which would accrue to the public at large as a result of a proposed action, and which would clearly exceed all demonstrable environmental, social, and economic costs of the proposed action. In determining the public interest in a request for use, sale, lease, or transfer of interest in sovereignty lands or severance of materials from sovereignty lands, the board shall consider the ultimate project and purpose to be served by said use, sale, lease, or transfer of lands or materials.
Public Land System Public lands are subdivided by a rectangular system of surveys established and regulated by the Bureau of Land Management. The standard format for subdivision is by townships measuring 6 miles (480 chains) on a side. Townships are further subdivided into 36 numbered sections of 1 square mile (640 acres) each.
PUD Planned Unit Development
Quadrant Any of four quarters into which something is divided by two real or imaginary lines that intersect each other at right angles. 90 degrees of a circle; one-quarter of a section (the NE 1/4, NW 1/4, SW 1/4, and SE 1/4 of a section are each quadrants of a section); one-quarter of a quarter section. 
Quarter Section A 160 acre block of land or 1/4 of a section.
Quarter Section Lines The lines that divide the sections into four parts. 
Quit Claim Deed Passes on to the grantee whatever title the grantor has at the time at which the transaction is consummated. It carries no after rights. In essence, if the grantor acquires a better title at a later date, it is not passed on to the grantee. The deed carries no warranties on the part of the grantor.
Range A vertical column of townships in the rectangular survey system. 
Range Lines The north-south township boundary lines. 
REA Reciprocal Easement Agreement
Rebuilding A substantial improvement of the existing structure as defined in Section 161.54, F.S.
Record Owner The owner of real estate at the time in question, as revealed by records. Usually used in reference to public records.
Recorded A deed, etc., is said to be recorded when it has been filed for record in the courthouse and made a matter of public record. 
Reliction The slow and gradual withdrawal or recession of the water in a sea, a lake, or a stream, leaving the former bottom as permanently exposed and uncovered dry land.
Repair The restoration of a portion of an existing structure, including the foundation of the structure, to its original design or an equivalent structural standard. Repair of a structure assumes that a significant portion of the structure, including its foundation, remains intact.
Resurvey A retracement of a survey or surveys.
Reversion Legal repossession of land title rights and/or interests; such as vacated street right-of-way.
Revetment A sloped, facing structure made of an armoring material designed to protect an escarpment or embankment or an upland structure from erosion by wave or current action.
Right-of-Way Land by dedication, grant or easement for roads, utility or other designated purposes; normally described as a strip or corridor type parcel.
Riparian Rights - Florida Those incident to land bordering upon navigable waters.  They are rights of ingress, egress, boating, bathing, and fishing and such others as may be or have been defined by law.  Such rights are not of a proprietary nature.  They are rights inuring to the owner of the riparian land but are not owned by him or her.  They are appurtenant to and are inseparable from the riparian land.  The land to which the owner hold title must extend to the ordinary high watermark of the navigable water in order that riparian rights may attach.  Conveyance of title to or lease of the riparian land entitles the grantee to the riparian rights running therewith whether or not mentioned in the deed or lease of the upland.
Riprap A sloping retaining or stabilizing structure made to reduce the force of waves and to protect the shore from erosion, and consists of unconsolidated boulders, rocks, or clean concrete rubble with no exposed reinforcing rods or similar protrusions.
RLS Registered Land Surveyor
ROD Record of Decision
ROW Right of Way
RQ Reportable Quantity
SAV Submerged Aquatic Vegetation
Scour Erosion caused by the interaction of waves and currents with man-made structures or natural features.
Sea Level Height of the surface of the sea at any given time. 
Seasonal High-Water Line The line formed by the intersection of the rising shore and the elevation of 150 percent of the local mean tidal range above local mean high water.
Seawall A man-made wall or encroachment except riprap, which is made to break the force of waves and to protect the shore from erosion.
Section A one square mile block of land containing 640 acres or one thirty-sixth of a township.
SFHA Special Flood Hazard Area
SFWMD South Florida Water Management District
Shoreline The intersection of a specified plane of water with the beach. For example, the mean high water shoreline is the intersection of the plane of mean high water with the beach.
Shoreline Change Rate The average annual horizontal shift of the intersection of the foreshore slope of the beach with the referenced water plane, based on recorded historical measurements.
Shore-Normal A directional reference meaning approximately perpendicular to the shoreline.
Significant Dune A dune which has sufficient height and configuration or vegetation to offer
protective value.
SJRWMD St. Johns River Water Management District
SLAPP Strategic Lawsuit Against Public Participation
SLER Submerged Lands and Environmental Resources
SLOSH Sea, Lake and Overland Surges from Hurricanes
Sovereignty Submerged Lands Those lands including but not limited to, tidal lands, islands, sand bars, shallow banks, and lands waterward of the ordinary or mean high water line, beneath navigable fresh water or beneath tidally-influenced waters, to which the State of Florida acquired title on March 3, 1845, by virtue of statehood, and which have not been heretofore conveyed or alienated. For the purposes of this chapter sovereignty submerged lands shall include all submerged lands title to which is held by the Board.
SPLASH Special computer Program to List (predict) the Amplitude of Surge from Hurricanes
SRES Senior Real Estate Specialist, a designation offered by the California Assoc. of REALTORS® - selling to seniors
SRWMD Suwannee River  Water Management District
State Plane Coordination System Coordinate systems established by the U.S. Coast and Geodetic Survey (now the National Ocean Survey), usually one for each state, for use in defining positions of points in terms of plane rectangular (x,y) coordinates.
Storm Surge The rise of water above normal water level on the open coast due to a number of factors, including the action of wind stress on the water surface and the rise in water level due to atmospheric pressure reduction.
Subdivision A tract of land divided by means of a map into lots or lots and blocks for the purpose of resale, generally for residential or agricultural purposes.
Submerged Lands Lease An interest in sovereignty lands designated by a contract creating a landlord-tenant relationship between the board as landlord and the applicant as tenant whereby the board grants and transfers to the applicant the exclusive use, possession, and control of certain specified sovereignty lands for a determinate number of years, with conditions attached, at a definite fixed rental.
Subsidence Decrease in the elevation of land surface due to tectonic, seismic, or artificial forces, without removal of surface material. 
SWFWMD Southwest Florida Water Management District
SWIM Surface Water Improvement & Management
T&E Threatened and Endangered
TDR Transfer of Development Rights
TDS Total Dissolved Solids
Thirty-Year Erosion Projection The projection of long-term shoreline recession occurring over a period of 30 years based on shoreline change information obtained from historical measurements.
Thread Waterway centerline at ordinary or normal stage.
Tie The bearings and dimensions or other evidence or information that accurately defines the location of a point or monument.
TIS Traffic Impact Statement
Title of Land The means whereby an owner has just possession of his property. It is the evidence of his right, extent of his interest, or means whereby he is able to assert, maintain, or continue his possession.
TMDL Total Maximum Daily Loads
TN Total Nitrogen
Topography Configuration (relief) of the land surface; the graphic delineation or portrayal of that configuration in map form, as by contour lines; in oceanography the term is applied to a surface such as the sea bottom or surface of given characteristics within the water mass.
Township A township is an approximately 6-mile square area of land containing 36 sections. 
TP Total Phosphorus
Tract An indefinite stretch of land. In a subdivision, a defined area of land.
Traverse A method of surveying in which a sequence of lengths and directions of lines between points are measured.
Trust Deed A written instrument by which a borrower (trustor) conveys his land to another (trustee) for the benefit of the lender (beneficiary) as security for the repayment of money lent. In the event of a failure of the trustor to repay the money, the trustee conducts a foreclosure sale of the real property. 
TSS Total Suspended Solids
ug/l micrograms per liter
Unrecorded A deed, etc., is said to be unrecorded when it has not been filed for record in the courthouse and made a matter of public record.
USACE U.S. Army Corps of Engineers
USC United State Code
USFWS U.S. Fish & Wildlife Service
USGS U.S. Geological Survey
UST Underground Storage Tanks
VA Department of Veteran Affairs
Vertical Seawall A seawall the waterward face of which is at a slope greater than 75 degrees to the horizontal.  A seawall with sloping riprap covering the waterward face to the mean high water line shall not be considered a vertical seawall.
VOC Volatile Organic Compound
VRM Variable-Rate Mortgage
V-Zone Coastal High Hazard Area
Warranty Deed Conveys the fee title to the land described to the grantee and in addition guarantees the grantor to make good the title if it is found lacking
Water Dependent Activity An activity which can only be conducted on, in, over, or adjacent to water areas because the activity requires direct access to the water body or sovereign submerged lands for transportation, recreation, energy production or transmission, or source of water, and where the use of the water or sovereign submerged lands is an integral part of the activity.
WCR Women's Council of REALTORS®, an affiliate of NAR primarily for women but open to men
Witness Corner Reference monument to an inaccessible corner, and normally established on the related boundary by a directional and distance offset.
WL Warning Letter
WQ Water Quality
WWTP Wastewater Treatment Plant




FLORIDA SUPREME COURT DECISION
 AFFECTS BEACHFRONT OWNERS

While there are many obstacles facing local beach nourishment projects, i.e., funding, source of sand, potential impacts to birds and turtles, and public opposition, the question of the constitutionality of the State statute which authorizes such public beach projects will no longer be an impediment to moving forward to restore area beaches.

Since 2006 when a decision of the Florida First District Court of Appeal finding the Florida Beach and Shore Preservation Act to be unconstitutional was appealed to the Florida Supreme Court, local governments have been uncertain regarding the legal status of their proposed beach nourishment projects. When on December 18, 2008 the Florida Supreme Court refused to reconsider its decision rendered on September 29, 2008, the Court’s determination in Walton County v. Stop the Beach Renourishment, Inc. upholding the constitutionality of the Act may now be considered final.

In substance, the Florida Supreme Court upheld the constitutionality of the Florida Law which authorizes the government’s unilateral placement of sand between an upland beachfront property owner’s property boundary and the waters of the Gulf of Mexico, cutting off the property owner’s contact with the water. The Beach and Shore Preservation Act mandates that the upland beachfront property owner’s legal rights of ownership terminate at the pre-fill shoreline, recorded as the Erosion Control Line, and that the nourished beach between the Erosion Control Line and the new water line shall henceforth be public lands.

The Florida Supreme Court held that under the Act, while the upland beachfront property owner would retain traditional riparian/littoral rights of ingress, egress, view, boating, bathing, and fishing, local governments may cut off a property owner’s direct contact with the water without any recourse to the upland property owner. The Court held that provided the upland beachfront owner still has access to the water, the owner does not lose any protected legal interest when contact with the water is eliminated by a beach nourishment project.

In addition to resolving a hotly contested dispute of significant interest to local governments and beachfront property owners, the Florida Supreme Court’s decision is extremely helpful as a comprehensive summary of Florida Law regarding riparian/littoral rights. It is for that reason that I highly recommend all real estate professionals take a few minutes to read the decision.

A copy of the full decision can be found by clicking on following link: Florida Supreme Court Decision Document.

 

NEW LAW REQUIRES DISCLOSURE STATEMENT
REGARDING COASTAL PROPERTIES

Beginning July 1, 2006 all Buyers of properties either partially or totally seaward of the State Coastal Construction Control Line MUST be provided a Coastal Properties Disclosure Statement upon execution of the contract.  This new statement is required to indicate that the coastal property may be: a) subject to coastal erosion; b) subject to federal, state and local regulations concerning coastal construction; c) affected by beach renourishment activities; and/or d) restricted by marine turtle regulations. 

Along all of Florida ’s sandy beaches, the Florida Department of Environmental Protection has an established a jurisdictional line called the Coastal Construction Control Line (“CCCL”).  The CCCL is intended to define the areas of Florida shoreline which are subject to severe fluctuations due to: storm surge, storm waves, flooding or other predictable weather conditions.  Once the CCCL has been established within a coastal county, almost all construction seaward of the CCCL is regulated by the state and requires special permitting from the Florida Department of Environmental Protection.

Prior to this new law becoming effective, a Seller of coastal property was merely required to inform a Buyer whether the property being purchased was located partially or totally seaward of the CCCL.  This information was allowed to be disclosed as late as the time of closing.  Typically, by the time the existence of the CCCL was disclosed, it was too late to halt a transaction or seek additional information regarding the suitability of the property for development.

Under the old law a Buyer was permitted to waive their right to be informed of the location of the CCCL.  This waiver was typically agreed to by unwitting Buyers who did not understand the significance of the restrictions imposed upon properties located seaward of the CCCL.

Under the new law, an amendment to Section 161.57, Florida Statutes, (which is reprinted in its entirety below), the following disclosure statement must be included, either in the contract, or as a separate document, prior to the execution of the contract by both parties (the Effective Date) for any property located totally or partially seaward of the State Coastal Construction Control Line:

“THE PROPERTY BEING PURCHASED MAY BE SUBJECT TO COASTAL EROSION AND TO FEDERAL, STATE, OR LOCAL REGULATIONS THAT GOVERN COASTAL PROPERTY, INCLUDING THE DELINEATION OF THE COASTAL CONSTRUCTION CONTROL LINE, RIGID COASTAL PROTECTION STRUCTURES, BEACH RENOURISHMENT, AND THE PROTECTION OF MARINE TURTLES.  ADDITIONAL INFORMATION CAN BE OBTAINED FROM THE FLORIDA DEPARTMENT OF ENVIRONMENTAL PROTECTION, INCLUDING WHETHER THERE ARE SIGNIFICANT EROSION CONDITIONS ASSOCIATED WITH THE SHORELINE OF THE PROPERTY BEING PURCHASED.”

While the new law makes it clear that the failure to provide the required disclosure statement will not impair the enforceability of a contract or create a right of rescission, the Florida Department of Business and Professional Regulation has advised that a broker or real estate agent who had actual knowledge that the property was located in an area requiring the disclosure, and who failed to make such a disclosure, may be found guilty of violating Section 475.25(1)(b), Florida Statutes for committing misrepresentation or concealment, and may be punished under the provisions of Section 475.42, Florida Statutes.

This new disclosure law reinforces the need to have due diligence inspections and the property closing performed by an attorney with specialized expertise in waterfront property and coastal construction law.  Providing a prospective Buyer of coastal property with a clear understanding of how to comply with federal, state, and local regulations will ensure that the sale or purchase of property located in the Coastal Zone takes place both quickly and seamlessly.

As always, any real property closing performed by David M. Levin, Esq. includes the due diligence inspection, involving an evaluation of federal, state, and local coastal construction regulations, AT NO EXTRA CHARGE.

FULL TEXT OF NEW LAW
Florida Senate - 2006                     SB 1948

CODING:
Words stricken are deletions; words underlined are additions.
16   161.57  Coastal properties disclosure statement.--
17   (1)  The Legislature finds that it is necessary to
18  ensure that the purchasers of interests in real property
19  located in coastal areas partially or totally seaward of the
20  coastal construction control line as defined in s. 161.053 are
21  fully apprised of the character of the regulation of the real
22  property in such coastal areas and, in particular, that such
23  lands are subject to frequent and severe fluctuations.
24   (2)  At or prior to the time a seller and a purchaser
25  both execute a contract for sale and purchase of any interest
26  in real property located partially or totally seaward of the
27  coastal construction control line as defined in s. 161.053,
28  the seller must give a written disclosure statement in the
29  following form to the prospective purchaser which may be set
30  forth in the contract or in a separate writing:

1   The property being purchased may be subject to
2   coastal erosion and to federal, state, or local
3  regulations that govern coastal property,
4  including the delineation of the coastal
5   construction control line, rigid coastal
6  protection structures, beach nourishment, and
7  the protection of marine turtles. Additional
8  information can be obtained from the Florida
9  Department of Environmental Protection,
10 including whether there are significant erosion
11 conditions associated with the shoreline of the
12 property being purchased.
13  
14  (3)(2)  Unless otherwise waived in writing by the
15  purchaser, at or prior to the closing of any transaction where
16  an interest in real property located either partially or
17  totally seaward of the coastal construction control line as
18  defined in s. 161.053 is being transferred, the seller shall
19  provide to the purchaser an affidavit, or a survey meeting the
20  requirements of chapter 472, delineating the location of the
21  coastal construction control line on the property being
22  transferred.
23  (4)  A seller's failure to deliver the disclosure,
24  affidavit, or survey required by this section does not impair
25  the enforceability of the sale and purchase contract by either
26  party, create any right of rescission by the purchaser, or
27  impair the title to any such real property conveyed by the
28  seller to the purchaser.

 

What All Waterfront Property Buyers Should Know

I am often asked, "Why should a Buyer of waterfront property hire an attorney to do the closing, and what are the benefits of hiring an attorney who limits his practice to waterfront property law?"

First and foremost, only an attorney is qualified to provide legal advice!!!

If an attorney is hired to issue the title insurance and perform the closing, this legal advice is included in the service.

An attorney can answer questions of utmost importance to all Buyers, such as,

Is the recorded legal description accurate?

What is the nature of any deed restrictions upon the use
of the property?

Will the title to the property be marketable for future sales or refinancing?

What is the zoning of the subject property and how will local zoning laws affect the use of the property?

The purchase of waterfront property requires a higher level of due diligence than other properties. An attorney experienced in waterfront property law can assist the Buyer in answering important questions such as,

What federal, state and local governmental restrictions will affect the development or redevelopment of the property?

Does the existing structure comply with applicable Flood Zone requirements?

Is the property suitable for the Buyer’s intended purposes?

Who owns the submerged lands adjacent to the uplands?

Can I build a new dock or modify an existing dock?

Do riparian rights come with the property?

Unlike a Title Company, having an attorney on the Buyer’s side can help make sure the Buyer’s interests are faithfully upheld. One of the greatest benefits of using an attorney is that the attorney has an ethical obligation to work on behalf of the Buyer’s interest.

Buyers should understand that there is a difference in the level of service between closings performed by an attorney and those performed by a Title Company. They should also be advised that with respect to waterfront property, not all real estate attorneys have the same level of experience.

To gain a better appreciation for the issues to be resolved prior to the purchase of waterfront property, Buyers are encouraged to review the two-part brochure entitled, "What Every Waterfront Property Owner Should Know". These brochures, containing comprehensive checklists, can be obtained by contacting, David M. Levin, Esq.

 

Court Reaffirms Broker and Agent Liability For Misrepresentations

In a decision rendered by the Florida Second District Court of Appeal on October 31, 2003, the Court in Syvrud v. Today Real Estate, Inc., 28 Fla.L.Weekly D2505, reiterated the respective duties of sellers and their representatives in regard to the sale of residential property. In particular, the Court held that an "as is" clause in a contract for the sale of residential real property does not waive the duty imposed by Johnson v. Davis to disclose hidden defects which materially affect the value of the property.

In Johnson v. Davis, 480 So.2d 625 (Fla. 1985) the Florida Supreme Court denounced the ancient concept of "Let the Buyer Beware" as related to residential real estate, and declared the law in Florida to be:

"Where the seller of a home knows of facts materially affecting the value of property which are not readily observable and are not known to the buyer, the seller is under a duty to disclose them to the buyer. This duty is equally applicable to all forms of real property, new and used."

Following the Florida Supreme Court’s decision in Johnson v. Davis, the Florida Third District Court of Appeal in Revitz v. Terrell, 572 So.2d 996 (Fla. 3rd DCA 1990) held that a real estate broker could be held liable for the failure to disclose to the Buyer that the subject structure was in a FEMA Flood Zone and that the ground floor living area was built in violation of local building codes. The Court suggested that a real estate agent may be held liable for nondisclosure or misrepresentation even if the agent did not have actual knowledge of the legal status of the structure, but based upon the circumstances, should have known that the structure was non-conforming.

The Court in the recent decision in Syvrud v. Today Real Estate, Inc. emphasized that the duty of disclosure announced by the Florida Supreme Court in Johnson v. Davis extends to a seller’s real estate broker, and that a seller’s broker may also be liable to a buyer on the theories of negligence and fraudulent misrepresentation.

Under Florida law, a real estate broker or agent may be held liable for damages under a theory of fraudulent misrepresentation when the broker or agent makes a material false representation without knowledge of its truth or falsity. Young v. Johnson, 538 So.2d 1387 (Fla. 2nd DCA 1989).

With respect to waterfront property, there are way too many issues that may materially affect the value of property to enable a Broker or Agent to correctly inform Buyers about the status of the property. Frequently there are FEMA concerns, questions regarding the legality of existing structures such as docks or seawalls, the suitability of the property for development or redevelopment under coastal construction regulations or the extent to which mangroves or other wetland plants may be altered.

Thus, to avoid potential liability, Brokers and Agents should resist the temptation of offering answers regarding the legal status of waterfront properties. Buyers and Sellers must assume the burden of establishing the factual and legal status of waterfront property.

To accomplish this important task, Sarasota environmental and waterfront closing attorney David M. Levin has prepared a very valuable tool; a two part Checklist entitled, "What Every Waterfront Property Owner Should Know". Part 1 contains a comprehensive list of questions which should be answered to ascertain the condition of property in relation to applicable FEMA regulations. The questions are to be answered by the Seller and/or appropriate public and private professionals to ascertain the legal status of existing structures.

Part 2 contains a comprehensive list of questions concerning a variety of environmental considerations. These too are to be answered by the Seller and/or appropriate public and private professionals.

The Checklists should be used by Sellers to assist them in the preparation of their disclosure statements and by Buyers to evaluate the completeness of the Seller’s disclosures.

A fully informed Buyer and Seller reduces the incidence of misrepresentation and nondisclosure. Informed Buyers and Sellers reduce the potential for conflict, and hence, reduce the potential for real estate broker and agent liability.

These Checklists were prepared as part of Mr. Levin’s continuing efforts to be of service to Buyers and Sellers of waterfront properties. They are available free of charge and can be obtained by contacting Mr. Levin at (941) 629-6319 or by e-mail at dlevin@icardmerrill.com.

It is recommended that the Checklists be used in conjunction with this website.

In the furtherance of his efforts to serve the community, you may be interested to know that Mr. Levin has recently expanded his practice to include waterfront property closings.

 

FEMA Regulations --  A PowerPoint Presentation 
 Slides recently presented by David M. Levin at 

the Florida Coastal Law Conference





































































































































































 

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Presented as a Public Service by
  David M. Levin, Esq.
Icard, Merrill, Cullis, Timm, Furen & Ginsburg, P.A.
Offices in Sarasota and Punta Gorda, Florida

110 Sullivan Street, Suite 112
Punta Gorda, Florida 33950
941.833.9244
dlevin@icardmerrill.com