ALTA Survey Cost in Utah: Lender Requirements & County Pricing

What Utah Commercial Lenders Require on ALTA Surveys

Almost every commercial real estate transaction in Utah involves a lender or title insurer requiring an ALTA/NSPS Land Title Survey before closing. Different Utah lenders and title companies have slightly different preferences, but the requirements cluster into a predictable pattern. Here's what we see across the major Utah commercial lenders:

Standard Utah Commercial Lender Requirements

Almost every Utah commercial loan requires the ALTA survey to include these core elements:

• 2021 ALTA/NSPS Land Title Survey standards compliance — the current published standard, accepted by all national and Utah-based commercial lenders
• Surveyor certification language matching the lender's preferred certification template (this varies by lender; we customize per project)
• Certified to: the borrower, the lender, the title company, and any other parties the title commitment specifies
• Schedule B-II exception review — the surveyor confirms or refutes each title commitment exception based on field findings
• Utah-licensed Professional Land Surveyor's stamp and signature — required by Utah DOPL and accepted by every Utah county recorder

Common Utah Lender Table A Selections

The Table A is where requirements vary by lender. The most common Table A items requested by Utah commercial lenders on routine transactions:

• Item 1 — Monument setting (almost always required)
• Item 2 — Site address
• Item 3 — Flood zone classification (always required on properties near rivers or in floodplains)
• Item 4 — Gross land area
• Item 5 — Vertical data / topography (commonly required when grading or construction will follow)
• Item 6(a) — Zoning information letter
• Item 7(a) — Building footprint dimensions
• Item 8 — Site features (parking, landscaping, signage)
• Item 9 — Parking stall count
• Item 11 — Utility locations (very commonly required)
• Item 16 — Evidence of recent earth-moving or construction
• Item 19 — Offsite easements appurtenant to the property

Each additional Table A item adds incremental cost. A standard 8-item ALTA runs at the lower end of our pricing; a 14-item full-scope ALTA approaches the upper end.

Major Utah Commercial Lenders

We've worked with most Utah commercial lenders on ALTA surveys over the past 45 years. Familiar lenders we routinely coordinate with on Utah commercial transactions include Zions Bank, Mountain America Credit Union, U.S. Bank, Bank of Utah, KeyBank, Wells Fargo, JP Morgan Chase, Cache Valley Bank, Brighton Bank, and the major SBA lenders active in Utah. Each has slightly different certification preferences and Schedule B review expectations — we maintain familiarity with the specific quirks so the survey clears underwriting on first review.

What Utah Title Insurance Companies Require

Title insurance companies are usually the more demanding ALTA reviewer in a Utah commercial transaction. The title company is committing to insure against future claims based partly on what the survey shows — so they look closely at:

• Surveyor's certification language — must match the title company's required wording
• Each Schedule B-II exception — the survey must address whether the exception affects the surveyed property
• Plottable easements of record — all easements identified in the title commitment must be shown on the survey or noted as not plottable
• Encroachments — anything crossing a property line must be measured and documented
• Access — written confirmation that the property has access to a public right-of-way
• Setback compliance — building locations relative to zoning setbacks

Major Utah Title Companies

The largest title insurance underwriters in Utah commercial transactions are First American Title, Stewart Title, Fidelity National Title (including its Chicago Title and Commonwealth subsidiaries), and Old Republic Title. We work with the local Utah offices of each routinely — they know our certification language, and we know their review expectations.

Utah Commercial ALTA Survey Pricing by Region

ALTA survey costs vary across Utah based on travel from our Nephi office, parcel complexity typical to the region, and the local title-company / lender ecosystem. These ranges reflect Ludlow Engineering's 2026 pricing for routine commercial ALTA work:

ALTA Survey Cost in Major Utah Commercial Markets

Some Utah cities concentrate enough commercial transactions to warrant their own pricing notes:

Salt Lake City

The state's primary commercial market with the most complex urban ALTA conditions — older platted parcels, dense utilities, multiple title companies actively involved, and Salt Lake City's specific zoning and reviewer expectations. Typical commercial ALTA: $4,000–$10,000+. Downtown commercial properties on multi-parcel lots commonly run $6,500–$15,000.

Park City

Mountain-resort commercial market with steep terrain, high-value parcels, and Park City Municipal Corporation's specific requirements. Resort-area commercial transactions almost always require enhanced Table A scope. Typical commercial ALTA: $4,500–$12,000+. Empire Pass and Park Avenue commercial properties are quoted on scope.

Provo / Orem

Utah Valley's commercial core, with active retail, office, and industrial development. Modern subdivisions and clean records make ALTA work efficient. Typical commercial ALTA: $3,000–$7,500.

Lehi

Utah's tech corridor — significant office and industrial commercial development. Most properties are in modern subdivisions with clean records. Typical commercial ALTA: $3,000–$8,000.

St. George

Southern Utah's commercial growth market. Active retail and hospitality development plus growing industrial parcels. Typical commercial ALTA: $3,500–$9,000.

Ogden

Northern Utah's commercial core with a mix of older urban parcels and newer industrial development. Typical commercial ALTA: $3,500–$8,500. Older urban parcels often involve additional records research time.

Heber City

Wasatch Back commercial growth driven by Park City spillover. Typical commercial ALTA: $3,500–$7,500.

What Drives Utah ALTA Survey Cost

Beyond the regional baseline, several specific factors influence your Utah ALTA survey quote:

Number of Table A Items

The single biggest cost driver. A baseline ALTA with 6 Table A items prices differently from a full-scope ALTA with 14+ items. Your lender or title company typically specifies the required items; we help refine the list before quoting.

Parcel Complexity

Single rectangular parcel with one building: lowest cost. Multi-parcel transactions, irregularly shaped lots, parcels with multiple buildings, or sites with extensive utilities: significantly higher. Our team reviews the title commitment before quoting to identify complexity drivers.

Title Commitment Complexity

The Schedule B-II exceptions in the title commitment drive significant ALTA work. A clean commitment with 6 standard exceptions reviews quickly. A commitment with 40 exceptions (common on older Utah parcels) takes considerably longer.

Records Quality

Modern Utah subdivisions (1990s+) with recorded plats: efficient research. Pre-1970s metes-and-bounds parcels: significantly more research time, especially in central and rural Utah counties.

Topography Requirements

Table A Item 5 (vertical data / topography) is a commonly required item that meaningfully adds to ALTA cost. For sites where new construction will follow, the topographic data is necessary anyway — combining it with the ALTA is typically cheaper than separate surveys.

Timeline / Rush

Standard Utah ALTA timeline is 3–6 weeks. Expedited turnaround (2–3 weeks) is available at 20–35% additional cost. Most rush situations are driven by closing deadlines or lender review pressure.

Multi-Parcel Coordination

Single-parcel ALTA: standard pricing. Multi-parcel transaction (combined commercial portfolio, contiguous parcels under common ownership, etc.): combined ALTA scope, typically priced lower per parcel than separate surveys.

Frequently Asked Questions