Listing Agent Demands for Property Description

James L. Goldsmith, Esquire • April 26, 2023

This article, and the situation that inspired it, is didactic in two categories. It considers how to describe the subject property in an agreement of sale; it also explores whether imposing one’s practice standards on cooperating agents is a wise and lawful practice. The situation arises from the demand of a seller agent that all offers include a copy of the last recorded deed in its entirety. An offer will not be considered in its absence.


Property descriptions in sales agreements are a source of problems and a frequent subject of litigation. Often, the “Property” identification section on page one of the Standard Agreement (ASR) is devoid of anything other than a street address. This works most of the time. But then I recently defended a buyer agent who described a property by its street address only to learn from the lawsuit that the matching garage was not included because of a prior subdivision and purchase by a neighbor. 123 Oak Street, once two-thirds of an acre with a home and garage was now a halfacre with no garage. I could provide a hundred examples where poorly described properties led to major problems with little effort.


Including more information in the Property box helps. Identifying the property by its uniform parcel identifier, tax identification number or by reference to the last recorded deed (usually by volume and page book where it appears in the county recorder of deeds office) is precise. Yet, as specific as that identifier may be, is it for the property that the buyer and/or seller intend to purchase/sell? One can insert the wrong number as what happened when a seller subdivided ten acres into a seven acre unimproved lot she intended to retain, and a three acre parcel with a rundown house she was selling. Oops, the agreement of sale referenced the larger of the two parcels, not the smaller. Couple this mistake with the integration language of the agreement that says that the written agreement controls and that prior representations (here that the property being sold was the 3 acre tract with the old house and not the larger parcel) do not control, and you have…..a mess.


You could also add descriptors to the property street address: 123 Oak Street, consisting of no less than two-thirds of an acre with house and garage. When the title search reveals a subdivision and prior sale of the garage, the buyer has recourse as the seller cannot/did not convey what she promised in the agreement of sale. At a minimum, buyer agents should describe what their buyers anticipate they are purchasing by minimum acreage and improvements.


When I took Real Estate Transactions in law school, it was suggested that the parties identify the property with a formal description as would be included in a properly drafted deed. Simply incorporating the last recorded deed will work if there are no mistakes in that deed (happens more frequently than you’d imagine) and that it is the correct deed for the property being conveyed.


A practice in commercial transactions is particularly helpful. The property is described with the specificity of a deed description. The buyer then has a due diligence period that allows for specific analysis of the property description, boundaries, restrictions, zoning, easements and other matters to assure that it is what the buyer intends to acquire. This has been made available to the residential buyer in the ASR where one can elect to have “inspections” of Deeds, Restrictions, and Zoning and Property Boundaries (inspection options available in paragraph 12 of the ASR). Then, within the inspection period, the agent and buyer can obtain descriptions (ask for a plot of property), restrictions, easements, acreage calculations and even a survey. If buyer is dissatisfied for any reason, buyer can terminate. Since the buyer will likely obtain title insurance, some of this process will occur anyway. It is essential, however, that the property description assessment is completed in the inspection period as the buyer loses the right to terminate by its end (the Title clause in the agreement only promises “marketable title” and does not protect against easements that impact the property, or acreage discrepancies, restrictions, etc.).


Now, let’s move to the second lesson: dealing with imposing one’s requirements on others. In the initial paragraph I referenced an agent, who when representing sellers, requires buyer agents to assure that the last recorded deed is attached to the agreement of sale. It can be a good practice, assuming the listing agent is assured that the description is correct, that no subdivisions or takings have occurred since the last conveyance, and so on. It is good, too, as some deeds include restrictions that may not appear elsewhere. But it can be bad if the deed is flawed or for a different property. Will or can the listing agent verify that the deed provides an accurate description?


Another problem is that unique practices, and I assume demanding that buyer attach and initial each page of the last recorded deed to the agreement is unique, can produce unintended results. The listing agent wants to assure accuracy in describing the property (a good thing) but his requirements may dissuade cooperation (more likely in a buyers’ market) and earn this agent “the smartest-manin-the-room” moniker.


I recently wrote about confusion arising from the Escalation Addendum and how one listing agent noted in the MLS that she won’t present an offer that includes one. That the addendum is good or bad wasn’t the issue of that article. Rather, it was whether a listing agent has the authority to not present a written offer. The conclusion, no, applies to an offer that describes the property in a manner different from what the listing agent prefers. Few of us want the reputation of a know-it-all and there are more benign ways of protecting your seller. Why not counter an offer with one that says, in the Property box, “see legal description, attached, which describes the Property.” The attached can include the legal description and exceptions, restrictions, etc. It is not dissimilar from what this agent seeks; yet the agent himself provides what he’s after and comes across as far less condescending.


The smartest-agent-in-the-room syndrome affects us all from time to time. If you are going to make demands based on a belief that you better know how to do your business or protect your client then you have to be certain of your practice. Having assured yourself the deed description is complete, accurate, and up to date may give you the assurance to follow through with the demand for attachment. I’m guessing, however, that there are more friendly or benign ways of asking. And of course, you cannot refuse to present an offer that offends you or your practice. Present it but make clear to your seller why you find an offer objectionable. Let your seller be an active part in the process.


As always, share your comments with me. And, happy spring


Copyright © James L. Goldsmith, Esquire 2023

All Rights Reserved.


 Mr. Goldsmith is an attorney with Mette, Evans & Woodside. He serves as outside legal counsel to numerous Realtor Associations and was a staple on the PAR Legal Hotline for many years. A substantial portion of his practice is dedicated to providing advice and counsel to real estate licensees. He defends real estate salespersons and brokers in civil lawsuits and licensing claims across the Commonwealth. He represent Realtors® in disciplinary cases conducted before the Real Estate Commission. Jim was one of the voices of the PAR Legal Hotline for the first 27 years following its inception in 1992.


Enhanced Title Insurance: More Protection for Your Home
By Wayne Angelo, Cross Country Mortgage and Bill Stull, Abstract Associates of Lancaster August 17, 2026
When purchasing a home, buyers often have the option of choosing either a standard or enhanced owner’s title insurance policy. Both policies protect the buyer’s ownership interest in the property, but the enhanced policy provides several valuable protections that go beyond the coverage included in a standard policy. The enhanced policy is available for purchases of one-to-four-family residences and condominiums when the property is being purchased in an individual’s name, rather than in the name of an LLC, corporation, partnership, or other entity. A standard owner’s policy protects against common title problems, including defects, liens or claims against the property, an unmarketable title, and a lack of legal access. The enhanced policy includes those protections while adding coverage for issues that are especially relevant to homeowners, including certain building permit and zoning violations, improper subdivisions, vehicular access problems, and structures that encroach onto the property after the buyer takes ownership. One of the most important added benefits is post-policy forgery protection. A standard policy generally protects against title issues that existed before the buyer purchased the property. The enhanced policy also provides protection if someone later forges the homeowner’s signature or creates a fraudulent deed that clouds the homeowner’s title. With real estate and identity fraud becoming an increasing concern, this protection alone can provide homeowners with valuable peace of mind. The enhanced policy also includes an automatic increase in coverage. The policy amount increases by 10% each year during the first five years of ownership, up to 150% of the original policy amount. This helps the coverage keep pace as the value of the property increases. In Pennsylvania, the enhanced policy is available for a one-time premium that is only 10% higher than the standard owner’s policy premium, with no annual renewal cost. At Abstract Associates, we believe buyers should understand the difference between the two policies before making their decision. For a relatively small additional cost at settlement, the enhanced policy provides broader protection that can continue to benefit the homeowner long after closing.
Top 10 Things People Don’t Understand About Property Insurance
By Raquelle Riti, Bernieri Associates Allstate Insurance August 3, 2026
Top 10 Things People Don’t Understand About Property Insurance
Reverse Mortgage
By Wayne Angelo & Megan Brogna – CrossCountry Mortgage July 31, 2026
Most people think of a reverse mortgage as a way for homeowners to access the equity they've built in their current home. While that's certainly true, many Realtors are surprised to learn that a reverse mortgage can also be used to purchase a new home. What Is a Reverse Mortgage? A reverse mortgage, also known as a Home Equity Conversion Mortgage (HECM), is an FHA-insured loan available to homeowners age 62 and older. Instead of making monthly mortgage payments, eligible borrowers can use a portion of their home's equity to eliminate an existing mortgage, establish a line of credit, receive monthly payments, or simply improve cash flow. Borrowers remain responsible for paying property taxes, homeowners' insurance, maintaining the home, and continuing to occupy it as their primary residence. What Is a Reverse Mortgage for Purchase? A HECM for Purchase allows qualified buyers age 55 and older to purchase a new primary residence using a substantial down payment and a reverse mortgage—without the obligation of monthly principal and interest payments.* This program can be an excellent solution for: Buyers looking to downsize. Retirees relocating closer to family. Homeowners moving into a 55+ community. Clients seeking a home that better fits their retirement lifestyle. Buyers who want to preserve more of their retirement savings or investment assets. Instead of paying all cash for a home, buyers can finance part of the purchase through a reverse mortgage, allowing them to keep more of their liquid assets available for future needs. Why Realtors Should Know About This Program A Reverse Mortgage for Purchase can help clients: Increase purchasing power. Improve monthly cash flow. Preserve retirement savings. Purchase a home that better meets their long-term needs. Age in place more comfortably. For many older buyers, this financing option can make the difference between settling for a home and purchasing the one that truly fits their retirement goals. If you work with clients who are 55 or older, a Reverse Mortgage for Purchase may be worth exploring before they write an offer. *Borrowers must continue to pay property taxes, homeowners insurance, maintain the property, and occupy the home as their primary residence. The amount available depends on factors including the youngest borrower's age, current interest rates, and the home's value. Facts, opinions and information expressed in the Blog represent the work of the author and are believed to be accurate but are not guaranteed. The Lancaster County Association of Realtors is not liable for any potential errors, omissions or outdated information. If errors are noted within a post, please notify the Association. Posts represent the author's opinion and are not necessarily the opinion of the Association.
Mid Year Check In Realtor Calendar
By Missy Boots – Realty One Group Unlimited July 17, 2026
Whew! If you're anything like me, you blinked and somehow July is already halfway over. That also means we've officially crossed the halfway mark of the year. How’s business treating you? Maybe your year is right on track; if so - congrats! If you're holding your breath waiting for your transaction numbers to suddenly align with the goals you set in January, it's time to stop waiting and start resetting. It’s never too late! The beauty of this business is that January doesn't have a monopoly on fresh starts. In real estate, momentum can change surprisingly quickly. One listing can become three referrals. One conversation can lead to a transaction. The second half of the year has the potential to look completely different from the first. The key isn't wishing for a better year. It's changing what you do next. One of the most important mindset shifts an agent can make is to treat their business like a business. Business owners don't simply hope for better results. They create a plan, track meaningful metrics, review what's working, and adjust when needed. Your real estate business deserves the same level of intention. When you start thinking like the CEO of your business instead of just the salesperson in it, your daily decisions begin to change, and so do your results. So where to start? Ask yourself: How many meaningful conversations am I having each week? How consistently am I following up with past clients and leads? Am I asking for referrals? Am I visible in my community and online? Am I blocking time every day for lead generation? Many of us focus on results we can't control: closings, commission checks, or contracts signed. Instead, focus on the activities that create those results. Results lag behind consistent action. If you improve the actions, the numbers usually follow. Choose one or two meaningful goals for the next 3 months. Then identify the handful of weekly actions that move those goals forward. For example: Reach out to 5 people a day. Schedule three coffee meetings with your sphere. Host one open house every weekend. Post valuable content three times a week. Write five handwritten notes every Friday. Consistency beats intensity every time. Your calendar tells the truth. Look back at the last two weeks. How much time was spent on activities that directly grow your business? Admin work is necessary, but revenue producing activities deserve protected time on your calendar. While time blocking is considered a “bad” word to many, being in control of your time allows you to control your business. Schedule lead generation before you schedule anything else. Pick an accountability partner and share your weekly action plan with each other. Commit to checking in regularly and holding one another accountable for following through. Celebrate the wins along the way. When you accomplish the actions you set out to complete, reward yourself, even if it’s just an iced coffee with your accountability partner. Above all, don’t let a negative mind set deter you from forward momentum. Start small. Do the work. Finish big. Here’s to a successful 2026! "Success looks a lot like failure up until the moment you break through the finish line." – Dan Waldschmid “Today is always the most productive day of your week." – Mark Hunter
Home inspection guidance for REALTORS® helping buyers navigate inspection results, set expectations
By Ernest Homer, Homer Inspection Services June 19, 2026
Learn how REALTORS® can guide buyers through the home inspection process, manage expectations, address concerns, and keep transactions moving toward closing.
VA loan benefits and financing options for veterans, active-duty service members
By Dan Ranck, Mortgage Loan Officer June 5, 2026
Learn how VA loans work, their benefits for eligible homebuyers, and why REALTORS® and sellers shouldn’t fear offers that use VA financing.