Top 10 Things to Check Before Buying a Home in Kilifi (2026 Guide)

Introduction: Why Buying a Home in Kilifi Needs Careful Planning

Kilifi County has quickly become one of Kenya’s most desirable coastal property destinations. With serene beaches, growing infrastructure, and affordable investment options, it’s no surprise that more Kenyans and international buyers are eyeing this region for residential and holiday homes.

But before you rush to sign that sale agreement, there are critical things every buyer must verify. Whether you’re a first-time buyer or a seasoned investor, buying a home in Kilifi requires careful due diligence to avoid fraud, hidden costs, or ownership disputes.

At Lacovia Homes, we help clients find genuine, verified properties across Kilifi, from Mtondia to Tezo, Mnarani, and Kilifi Town, ensuring every transaction is smooth, legal, and rewarding.

1. Verify the Property Title Deed

Start with the basics, confirm the property has a clean, valid title deed. Visit the Ministry of Lands and Physical Planning or the local Kilifi Lands Registry to verify ownership details.
Cross-check the title number, the registered owner’s name, and any encumbrances (like charges or caveats).

⚠️ Tip: Avoid properties under “group titles” or unregistered parcels. Always insist on a search certificate before paying any deposit.

2. Confirm Land Use and Zoning Regulations

Every area in Kilifi County is governed by land use policies — residential, commercial, or agricultural. Buying residential land on an agriculturally zoned plot could lead to major setbacks later.

You can check zoning guidelines with Kilifi County Government’s Department of Lands and Physical Planning to ensure the property use aligns with your plans.

3. Inspect Water, Power, and Road Access

A beautiful home means nothing without essential services. Ensure the property has reliable access to clean water, electricity, and all-weather roads.
Kilifi’s water access varies by location, areas like Tezo and Mnarani are improving, but you should confirm if there’s a borehole, county water connection, or solar option.

Ask your agent or the seller about Kenya Power connectivity, road maintenance, and future infrastructure upgrades in the area.

4. Evaluate the Neighborhood and Security

Neighborhood quality and safety affect not just comfort, but also long-term property value. Visit the area at different times of day, talk to locals, and check proximity to schools, health facilities, and shopping centers.

Top residential zones in Kilifi include Mnarani, Tezo, Vipingo, and Kilifi Town, offering security, good access roads, and proximity to the beach.

For security insights, check local community forums or Kenya Police Service data for crime trends.

5. Check for Flood or Erosion Risks

Kilifi’s coastal terrain means some plots are at risk of erosion or seasonal flooding. Inspect the land’s elevation and drainage patterns — avoid low-lying areas near seasonal rivers.

If you’re serious about buying a home in Kilifi, consider getting an environmental assessment report or consult NEMA Kenya before committing to any coastal property.

6. Review Building Plans and Approvals

Never assume that an existing structure or planned development is fully compliant. Request copies of approved building plans and confirm they were approved by Kilifi County’s Department of Physical Planning and NEMA.

Unapproved structures can be flagged for demolition or denied occupancy permits, a risk not worth taking.

7. Confirm the Seller’s Legitimacy

Scams in Kenya’s property market often stem from fake sellers or forged documents. Confirm the seller’s National ID, PIN certificate, and ownership documents match the title deed.

If the property is owned by a company, verify registration at the Business Registration Service (BRS) and check for any legal disputes.

At Lacovia Homes, all listings undergo strict ownership verification to guarantee authenticity, saving clients from potential fraud.

8. Get a Professional Property Valuation

A professional valuation prevents overpayment and ensures your investment aligns with market value.
Registered valuers consider factors like location, condition, size, and comparable sales before assigning a fair market price.

This step is especially important if you’re financing through a bank or SACCO, as they’ll rely on valuation reports to approve your mortgage.

9. Review Property Boundaries and Fencing

Survey the land physically and confirm its exact boundaries using a licensed surveyor. Many buyers skip this and later discover encroachment or size discrepancies.

Ask for the mutation map or survey plan and confirm it matches the title details. A well-fenced compound — like our 1 Acre Land for Lease in Mtondia — adds value and security.

10. Seek Legal and Agent Guidance Before Paying

Before making any payments, consult a qualified real estate lawyer for conveyancing and documentation.
A professional agent like Lacovia Homes ensures all steps — from offer letters to transfer — are transparent and compliant with Kenyan law.

Our experienced team assists clients through every stage of buying a home in Kilifi, ensuring your dream property becomes a secure investment.

Bonus Tip: Future Development Plans in Kilifi

Kilifi is transforming fast, with ongoing infrastructure projects like the Bofa Road expansion, Kilifi-Mariakani highway, and Vipingo Airstrip upgrade. These developments are driving up property values and opening new opportunities for residential and commercial investments.

Keeping track of such growth areas helps you buy smart, not just a home, but a valuable asset.

Conclusion: Make a Smart Move with Lacovia Homes

Buying a home in Kilifi can be one of the best decisions you’ll ever make, if done right.
By following this checklist, you’ll avoid costly mistakes, secure your investment, and enjoy peace of mind on Kenya’s beautiful coast.

At Lacovia Homes, we offer verified listings, expert legal guidance, and unmatched market insight to help you find your ideal home or land in Kilifi County.

👉 Contact Lacovia Homes today to schedule a viewing or consultation and take the first step toward owning your dream home on Kenya’s coast.