Land Use & Zoning

What is a 'certificate of occupancy' (CO) and when is it required in Illinois?

AA certificate from IDFPR confirming a managing broker is occupying the office
BA local government certificate confirming a building meets code requirements and is safe and legal for its intended use, required before occupancy of new construction or major renovations✓ Correct
CA title certificate confirming the buyer has taken legal occupancy of the property
DAn Illinois Department of Public Health certificate for all rental properties

Explanation

A certificate of occupancy (CO) is issued by the local building department after inspections confirm that new construction or substantial renovation complies with all applicable building codes and is safe for occupancy. Without a CO, a property cannot legally be occupied. In Illinois, lenders may require a CO before disbursing final construction loan funds, and buyers of new construction should ensure a CO has been issued before closing.

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