Lot Math: Three Units Where I Saw Trees
May 6, 2026 By Eero Mäkinen
I asked a county planner a casual question about the vacant lot next door and learned it is legally buildable with three units. My kitchen light and my appraised value both answered before any developer ever filed a permit.
Lot Math: Three Units Where I Saw Trees

At 1:30 on a Thursday afternoon I stood at the county planning counter with a parking stub in my fist and asked the question the way you ask about a parking rule, casually, expecting no. The parcel next door is 0.31 acres of sumac and tire ruts, and I have looked at it from my kitchen window every morning for six years. The planner, a woman named Colleen with a laminated map under one arm, did not look up right away. She typed for eleven seconds. Then she turned the map around and changed the value of my afternoon.

Stakes, stated plainly. My single-story ranch gets its best light thru one south-facing kitchen window, and I had spent six quiet years assuming the scrub next door was scenery that could not legally become anything. My equity sat in the same assumption, approximately $96,000 of it by the last appraisal. If the lot could hold three units, then the scenery was a zoning district wearing a costume, and both my light and my number were exposed to it. Nobody had ever told me otherwise. That was the problem.

The answer cost me zero dollars and about ninety seconds of a clerk's time, and I have figured about that price every day since. A developer would have absorbed it for the same ninety seconds, months before the first survey stake went in, and none of them would have called me. What I did next, a free five-minute consult with a surveyor and one long call to a title friend, is how I found out I had known nothing about my own address for six years. The map was waiting the whole time. It was laminated.

the counter at 1:30 on a Thursday

The counter itself deserves a description, cuz nobody talks about how low the barrier to this information actually is. No appointment, no fee, a number dispenser like a deli, and a wall of parcel maps behind the clerk who helps you. I had driven twenty minutes on a lunch break expecting a records request form and a two-week wait. Instead Colleen pulled my parcel and the adjacent one on the same screen, read the zoning code line aloud, and answered me before my parking meter had expired. Public information is an odd beast. It is free, it is accurate, and it is almost never delivered to you. You have to walk in and ask.

the question I asked too casually

My exact words were, can anything be built on that lot, said with the shrug of a man expecting to hear wetlands or easement or utility corridor. Colleen read from the code without any judgment in her voice. Zoned R-M low density, 4,500 square feet of lot area required per unit, parcel measured at 13,500 square feet. The arithmetic is embarrassing in its simplicity. Thirteen thousand five hundred divided by four thousand five hundred is three, exactly, no remainder, no variance required, three units as of right. I said thanks twice cuz once did not seem to cover it. She shrugged the way I had shrugged. Nobody in that office knew they had just rearranged my kitchen.

the parcel map she turned around

The laminated map told the rest. My lot and the empty one share a 118-foot south boundary, and the empty one has road frontage on the east, which matters more than I can compress into a sentence, so I will try. Road frontage means access, access means the units can face away from me, and setback rules mean the new building could legally stand eleven feet from my fence line with a wall two stories tall. Colleen tapped the setback line twice with her pen. She has done this before, you can tell. She said the sentence that planners say and owners never believe. Yeah, it can honestly go right there.

what three floors do to a kitchen window

I spent that evening sketching configurations on the back of a power bill, a row of three townhomes, a duplex with a tucked third unit, one long bar of building along the east edge. The row layout was the one that blocked my window. Set a building two stories plus a finished roof deck, thirty-five feet of allowed height, on the south line, and my kitchen loses direct sun after one in the afternoon for about nine months of the year. That is not a hypothetical sadness, it is where I stand when I cook, it is the light the whole floor plan was snagged around. I ruled out nothing yet. I just stopped sketching and looked at my actual kitchen for a while. The window looked back, unaware.

sumac, tire ruts, and a 1989 answer

Before anyone accuses the county of hiding a bomb in a birdscape, the record shows the zoning has been R-M since 1989, older than my roof, older than my kitchen table, public the entire time. The sumac and the tire ruts were doing the talking, and I listened to them instead of the code. A surveyor I called charged me nothing for a five-minute consult and confirmed the parcel lines as drawn. Nobody was plotting anything. The lot was just waiting with its rights attached, the way lots do. I wrote the numbers on a notepad and left it on the counter for a week. The numbers did not change by Friday.

the trust that owns the trees

A friend at a title company pulled the ownership in one search, a family trust in another state, taxes current, no listing anywhere, no permit application on file. That last blank is the part people misread about parcels like this. The threat is not a scheme, it is a possibility, dormant and perfectly legal, attached to dirt that changes hands someday to somebody who reads the same code Colleen read to me. The trust has owned it since 2004. Trusts are patient in a way people are not. I chewed on that for a few evenings, the idea that my view has an owner, an expiration date, and no mailing address I could argue with. Then I remembered something from last November and sat down hard at my own table.

the appraiser's November question

Last November 11 I refinanced, dropping my mortgage rate from 6.875 to an even 6.0 percent, and the appraiser walked my house on a gray Tuesday with a clipboard and a laser measure. On his way out he asked one question I answered wrong. Any development planned on the adjacent parcel, he said, since it affects marketability. I said it is just trees. He wrote something down. I now understand that appraisers ask that question cuz the answer moves numbers in both directions, and my refinance closed at a valuation that priced my view as permanent, because that is what I had told him it was. The refinance went thru fine. The answer I gave was still wrong.

the lot I used to call scenery

So this is what I know now that I did not know at 1:30 on that Thursday. The scenery is a by-right three-unit parcel. The kitchen window has a nine-month sun budget if the worst layout ever gets built. My appraisal assumed a view the zoning code never promised me, and the person most responsible for that assumption was the man who answered the appraiser while thinking about his rate. I have started photographing the sumac in every season, which my partner finds funnier than I do. If the stakes go in someday, the record of what stood there will be mine, dated, printed, kept in the same drawer as the surveyor's confirmation. The window I look thru while I cook became a different window in ninety seconds at a counter. I still look through it every morning. Differently.

A Sure Bet