When you buy a home in Staten Island or South Brooklyn (103xx / 11209 / 11214 / 11228), one document that often gets overlooked is the Certificate of Occupancy (CO). For both buyers and sellers it’s more than paperwork - it verifies legal use, occupancy and compliance. Here’s what it actually means and why it should matter to you.

What Is a Certificate of Occupancy?

In NYC, a Certificate of Occupancy is a document issued by the New York City Department of Buildings (DOB) that states the legal use and type of permitted occupancy for a building or unit. NYC.gov+1 It confirms the building or unit complies with building codes, zoning laws and approved plans. No one may legally occupy a building for a given use without the appropriate CO or a Temporary Certificate of Occupancy (TCO). NYC.gov+1

Why the CO Matters for Buyers & Sellers in Staten Island & Brooklyn

• Legal Use: The CO sets how the building can be used (residential, commercial, number of units) and whether that use is legal. If the seller’s intended use differs from the CO, you might face issues. Realty Collective -

• Financing and Insurance: Lenders and insurers often require a valid CO. If one is missing or outdated, it can block closing or raise costs. Brick Underground

• Renovations & Alterations: Major changes (new units, changed use, enlarged building) often trigger a requirement for a new or amended CO. If the paperwork hasn’t kept up, you may assume risk. scarincihollenbeck.com+1
  Because many homes in Staten Island and South Brooklyn are older, built before modern zoning or code standards, understanding their CO status matters for your due diligence. It’s part of what separates a sound investment from a hidden liability.

How to Check & Use the CO in Your Deal

• Before you buy: Ask the seller for a copy of the CO. Search the DOB’s Building Information System (BIS) or DOB NOW to verify. NYC.gov

• Look for mismatches: If the CO says one-family home but the building is used as multi-family, there may be violations, fines or insurance issues.

• For renovations: If you plan to change use, add units or alter the building significantly, factor in the cost/time of obtaining a new CO.

• As your agent: I will check the CO as part of your inspection clause so you are aware of any occupancy, unit-count or use issues before you commit.

When you understand the CO, you’re not just buying a home, you’re buying certainty and protecting your rights.

—

Joseph Ranola | Five-Star Staten Island & South Brooklyn Realtor® (30 + Google reviews)
Associate Broker · Matias Real Estate | Founder · Bridge & Boro Team
Serving 103xx and 11209 / 11214 / 11228 | $25 M + closed volume
📞 917-716-1496 | RanolaRealEstate.com