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Real Estate Tips
Tuesday, January 21, 2025

How To Buy Land In Connecticut

Thinking about buying land in Connecticut? The state’s diverse landscape is perfect! Build your dream home, start a farm, or simply invest in real estate. High demand for northeastern land makes the purchase a smart idea. Connecticut’s land options include rolling farmland, hunting retreats, and urban plots. This guide will walk you through every step to make a confident and informed land-buying decision.

The appeal of owning Connecticut property stretches from Woodstock Valley to Greenwich. It’s not far from major cities like New York and Boston, and it is perfect for escaping the rush of city living. Think of lush forests giving away to serene coastlines. The natural beauty of Connecticut properties makes them highly appealing. It’s no wonder “acreage for sale in CT” is a hot search term. 

Explore how to buy land in CT, step by step.

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Determine Your Purpose

Before you browse land listings in Connecticut, you need a plan. About 1.8 million acres are classified as rural land in the state. Projections see growing demand limiting the amount of undeveloped land for sale in Connecticut, especially by 2040. Now could be an ideal time to capitalize on land as an investment or to buy that farm before it’s gone.

Ask yourself, what is the purpose of purchasing land? A few categories to consider:

  • Residential Land: Will this land be the site of your future home? Consider the potential for developing a private estate. Exclusive homes beg for privacy and seclusion. Or, it may be your dream home near the coastline or in the hills.
  • Agricultural Use: Connecticut has a proud farming history. Over 5,000 farms operate in one of the nation’s smallest states by land mass. Farmland for sale in Connecticut produces fruit orchards, vineyards, or livestock. Dairy production is also high here. The value of Connecticut farmland is high because it’s close to urban markets that need its crops and products.
  • Recreational Use: If you’re eyeing hunting land for sale in CT or want a peaceful getaway, recreational land might be the way to go. This type of land requires more patience to find, but it is out there. The best regions to look are in the northern corners, like Litchfield County or Windham County. The rolling forests to wetlands include wild game such as white-tailed deer, turkey, and waterfowl. 
  • Horse Farms: Equestrian pursuits are common around the state. Consider the potential for developing or owning a horse farm across Counties like Litchfield, Windham, and Hartford. Look for lots and parcels of land suitable for equestrian activities, with features like existing horse trails, stables, or zoning that allows for such use.
  • Investment: Land near cities has great potential for real estate investors looking for long-term appreciation or development opportunities. As more people move to Connecticut, they will need places to live and work. Bridgeport, New Haven, and West Hartford are among the fastest-growing areas in the state.
Text reading, "Connecticut farmland was valued at $14,300 an acre in June 2024. It's one of five states valued at over $10,000 an acre," over a blurred background of farmland and hills, with an 'ez' logo at the bottom.

Research the Market

Connecticut’s real estate market is diverse and dynamic. To make an informed decision, you need to understand what factors drive land prices.

  • Proximity to Cities: Land near urban centers like Stamford or Greenwich fetch higher prices because they’re easier to reach from New York City. The same could be said for Connecticut’s expanding cities like Fairfield, Bridgeport, and New Haven. These come with more excellent development opportunities due to their prime location.
  • Amenities: Land with access to utilities and roads commands higher prices than raw land. Additionally, historic properties like those with England stone walls may have enhanced value or a more complex valuation process. Each Connecticut property is different.
  • Natural Features: Rural land with fertile soil or hunting land rich in wildlife may cost more, but it provides unique value for the right buyer. 
  • Size: Connecticut farms tend to be smaller than the national average, partially due to their buying cost and the demand on local land.
  • Multiple Lots Located: Owning multiple lots near each other may significantly increase the overall value and possibilities for development or investment. This may matter more for residential developments or commercial ventures.

Start your research with online tools specializing in Connecticut land for sale. Don’t hesitate to consult local real estate agents or town offices—they’re goldmines of information about zoning laws, tax rates, and property history.

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Connecticut’s towns and regions each play by their own set of rules. Knowing the local zoning laws and land-use restrictions is a must. For example, some properties may allow farming or homestead activities like raising chickens. Others prohibit any commercial activity or use as equestrian property. 

Research towns that align best with your goals; for farmers, rural areas like Windham or New London County might be prime. However, those seeking city plots should focus on urban hubs like Hartford or New Haven.

Before you make an offer, here’s what you need to know about legal considerations and permits:

  • Zoning Ordinances: Check whether the land can legally be used for your intended purpose (e.g., residential, farming, development, or recreational). Changing zoning on Connecticut property can be a lengthy and complex process.
  • Setback Requirements:  Some parcels or activities may have a setback requirement or an area where development is not permitted. For instance, wind turbines for power generation require a zone twice as they are tall and a minimum of 1,125 feet.
  • Environmental Considerations: Some properties in Connecticut are wetlands, flood zones, or protected areas. Check that environmental restrictions won’t stop for plans you purchase.
  • Construction Permits: If you plan to build or develop the land, you’ll need approvals from local authorities. Factor in these additional steps early on.
  • Property Taxes: Connecticut carries one of the nation’s highest property tax rates. Actual rates vary based on the township but also the land use and development.

A knowledgeable buyer’s agent can help you navigate zoning ordinances and environmental considerations to find prime lots. Doing the homework now can save you from headaches later.

Financial Planning

There’s more to buying land than just the sticker price. Proper financial planning ensures you’re ready for all the extra costs, especially when considering raw land in Connecticut. The price of land depends on its size, accessibility to utilities, and potential for development.

Budgeting for the Basics

  • Land Price: This depends on location and size. Rural land runs less per acre than urban lots, but it also depends on what infrastructure the land has. However, the state has a high land value overall because there is less of it in the northeast.
  • Taxes: Property taxes in Connecticut depend on the town. Wealthier areas generally have higher rates. Connecticut land is taxed at the same mill rate as any improved structures and without distinguishing between different property types. There may be the potential for some deductions depending on the local taxing district and land use.
  • Closing Costs: Budget for legal fees, land surveys, and potential permit applications.

Financing Options

  • Cash Purchase: A more straightforward option if you have the capital available.
  • Land Loans: These work differently than traditional mortgages. Many lenders consider land a higher-risk investment. You may need a higher down payment and to show development plans.

Site Visits and Evaluations

Would you buy a car without test-driving it? The same goes for purchasing land—although your “test drive” will involve walking through fields, woods, or construction sites. Evaluate the space available for intended activities: residential construction, recreational use, or farming.

What to Look For

  • Soil Quality: Agricultural enterprises must pay attention to soil quality for farming. Look for lightly wooded areas that blend natural trees and open space, ideal for agricultural development or recreational use.
  • Topography: For agriculture or development, does it require costly leveling before you can use it?
  • Access and Utilities: How easy is it to get to the site? Is electricity, water, or sewer available? It costs money to have these added, but they also enhance the land value.
  • Environmental Factors: Are there flood risks or conservation easements that could complicate your plans?

Consider hiring professionals such as land surveyors or environmental consultants to evaluate the property for hidden surprises.

Make an Offer

Found a piece of land you love? It’s time to craft a fair offer. Research similar sales in the area to understand what’s reasonable. You may need to pull comparable sales going back up to three years. Properties less than six miles from significant landmarks or amenities often have higher value due to their convenience. 

Negotiation is key in the contract. Include contingencies for soil testing, title searches, or any necessary permits in your offer to protect yourself. Submit your formal offer and cross your fingers!

Due Diligence Before Closing on Raw Land

Once a purchase contract is accepted, it’s time to verify the land is acceptable for your intentions. Conduct thorough due diligence to ensure no hidden issues catch you off guard later. 

  • Title Search: Confirm clear ownership of the land. Connecticut land has a long history, and uniquely, all its title searches are town-based. All land titles must be checked back at least forty years.
  • Easements and Encumbrances: Are there restrictions on your use of the property? Connecticut property can carry a host of easements and restrictions, from land use, access, and historic preservation.
  • Permits: Make sure you’ve secured any approvals you’ll need for the property’s future development. At the very least, look at what the process entails and its costs.

Closing the Deal

Closing day has arrived! This is where all your hard work pays off.

  • Ensure all necessary documentation, such as the deed and surveys, is in order.
  • Work closely with a real estate attorney to finalize the process and transfer ownership.
  • A local real estate agent facilitates the land transactions, ensuring a smooth process for Connecticut buyers looking for land and homes.

Pop the champagne—you’re officially a landowner!

After the Purchase

Owning land is just the beginning of the adventure. The potential for developing the land into a horse stable, multifamily housing, or other unique use adds to its appeal.

  • Secure the Property: Install fencing or markers to define boundaries.
  • Maintenance: Plan for regular upkeep to maintain the land and keep overgrowth at bay.
  • Explore Development Incentives: Connecticut offers grants and programs for agriculture, conservation, and renewable energy projects.

Owning Connecticut Land: Worth Every Step

Buying land in Connecticut is exciting and rewarding. While the purchase involves due diligence, the benefits make it all worthwhile. Get ready to build a dream home, start a farm, or simply invest in rural land to build your wealth.

If you’re ready to take the next step, start researching Connecticut land for sale. And remember, professional guidance from a real estate attorney or agent can help make the process much smoother. With the right approach, the land you buy today could be the foundation of a brighter, more fulfilling future.

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Preston Guyton