Property Documents Explained: C of O, Governor’s Consent, and Deed of Assignment

Document confusion causes expensive mistakes. You do not need to become a lawyer, but you should understand what each major document is trying to prove.

Certificate of Occupancy (C of O)

Generally evidences statutory right of occupancy granted by the state. It is highly valued, but you still need to confirm it is authentic, current, and matches the land you are inspecting.

Governor’s Consent

Often required when interest in land is transferred under the Land Use Act framework. Buyers should ask whether consent has been obtained or will be perfected as part of the transaction — and who pays for it.

Deed of Assignment

Records the transfer of interest from seller to buyer. It should correctly describe parties, property, consideration, and supporting plans. Poorly drafted deeds create future disputes.

Practical advice

Never rely on WhatsApp photos of documents alone. Have a qualified property lawyer conduct searches and explain residual risks in plain language before you pay.

When browsing sale listings on NG Vendors, ask agents early about title status and available documents so your lawyer can start verification quickly.