Terra Meridian

Frequently Asked Questions

Questions, answered plainly.

The things buyers ask us most about owning land and building on the Mexican Caribbean — title, the fideicomiso, the federal zone, and what it really costs. This is general information, not legal advice; confirm every parcel with an independent notario.

Can a foreigner own land in Mexico?
Yes. Within fifty kilometers of the coast — which covers nearly all of the Mexican Caribbean — a foreign buyer holds the land through a fideicomiso, a bank trust created in the 1970s precisely for this. You are the beneficiary, with full rights to live in, rent, renovate, sell, and pass on the property; the bank simply holds title as trustee. The trust runs fifty years, renews indefinitely, and transfers when you sell. It's how most of this coast is held.
What is a fideicomiso, and what does it cost?
A fideicomiso is the bank trust through which foreigners hold coastal property. There's a setup fee at closing and an annual fee to the trustee bank; the exact numbers vary by bank, which is why you choose the trustee on purpose rather than inherit the seller's. Budget it over ten years, not just at closing, and get the full fee schedule in writing before any money moves. One quiet advantage: you name your beneficiaries directly, so the property passes to them without Mexican probate.
What is ejido land, and why does it matter?
Much of this coast began as ejido land — communally held farmland that must be formally privatized before it can be sold to a foreigner. Plenty has been regularized correctly; plenty hasn't, and that's where buyers get hurt. A beautiful parcel with an unresolved ejido history isn't a bargain — it's a lawsuit waiting for an owner. We confirm a clean, continuous title chain before we'll show you a parcel.
What is the federal maritime zone?
The first twenty meters inland from the high-tide line are the federal maritime zone (ZOFEMAT) — held by concession, not owned. It isn't a problem, but it has to be known: it changes what you can build and where, and any structure that touches it needs its own concession. We map exactly where it falls on a parcel before you fall for the view.
Which areas do you cover?
The whole Mexican Caribbean — Mahahual, Bacalar, Playa del Carmen, Puerto Morelos, Tulum, Akumal, Soliman Bay, Puerto Aventuras, and the parcels in between. We know these eight destinations firsthand, and that's the point: we're specialists in a specific coast, not a national portal.
Do you only sell your own listings?
No. We work our own select inventory and off-market parcels across the coast. If the right lot for you is one we don't list, we'll still help you find and secure it. We're an independent advisor — our job is the right parcel for you, not moving a particular listing.
What does it really cost to build here?
The land is the headline; the build is the book. The first estimate you're given is almost always the structure alone, so the all-in number lands higher — not because anyone's dishonest, but because infrastructure (power, water, wastewater, access that survives the rainy season), salt-and-storm-ready architecture, the federal-zone concession, and permits were never in the quote. On remote parcels, infrastructure can cost as much as the house. We help you see the real number before you commit.
Do you help after the purchase, through the build?
Yes — that's the difference. We stay through the build, working with vetted architects, builders, and project managers in each region. You're not handed off the moment the parcel closes.
Do you work in English and Spanish?
Both. We work in English and Español, with locals who know each destination and the people you'll need — the notario, the trustee bank, the surveyor.

Question not here? Ask us directly — we answer personally.

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