09/13/2026
Here’s what happened 👇
They bought a detached in the east end. Finished basement, big deck off the back, both already there when they toured it. Title search came back clean. Closed without a problem.
Eight months later a building inspector was at the door.
There was an open work order on the property. The deck and the basement had both been built without permits, and the City had already opened a file on it before these buyers ever saw the house.
An open work order doesn’t go away when the house sells. It stays with the property.
The deck came off and got rebuilt with proper footings and a compliant rail: $34,000. The basement had to be brought to code to close the rest of the order, which meant fire separation, an egress window, and electrical permits with inspections: $26,000. Drawings, permit fees, a surveyor, and the legal bill for trying to push it back on the seller and getting nowhere: $11,000.
Total: $71,000.
They had already paid for that deck and that basement once, in the purchase price.
Here’s what most buyers don’t realize 👇
A title search shows you what’s registered against the property. Work orders live with the City’s building department, and nothing about them appears on title.
Before you go firm 👇
1️⃣ Ask your lawyer to order a building and zoning compliance letter from the City. It’s the one document that surfaces open work orders and permit issues
2️⃣ Ask for closed permits on anything that looks added — decks, basements, additions, garages, walkouts
3️⃣ Don’t rely on title insurance here. Policies generally exclude municipal orders that could have been found by asking
4️⃣ If a permit was never pulled, assume the fix is yours. The order transfers with the house, not with the person who built it
📌 Save this before your next offer.
📲 Comment “KNOCK” and I’ll send you the letter to ask your lawyer for.
📞 647-773-7219
Not legal advice. Always consult a licensed Ontario real estate lawyer.