A stable ZESA connection in Cowdray Park is a rare find. This 200 sqm house comes with three bedrooms, a master en-suite, and a single bathroom, making it an excellent choice for families. The property is walled, providing privacy and security. A manual gate adds an extra layer of protection to your home. Located in a high-density residential area, this house has a deed of transfer, ensuring a smooth transaction. Cowdray Park is known for its proximity to key amenities and major roads, making daily commutes convenient. Contact us to arrange a viewing or for more information.
A stable ZESA connection in Cowdray Park is a rare find. This 200 sqm house comes with three bedrooms, a master en-suite, and a single bathroom, making it an excellent choice for families. The property is walled, providing privacy and security. A manual gate adds an extra layer of protection to your home. Located in a high-density residential area, this house has a deed of transfer, ensuring a smooth transaction. Cowdray Park is known for its proximity to key amenities and major roads, making daily commutes convenient. Contact us to arrange a viewing or for more information.
The tenure, deed and zoning rules in plain language. Confirm specifics with your conveyancer before signing.
This is the highest form of property ownership. You own the land and the buildings on it outright and forever. This status is proven by a Deed of Transfer (Title Deed) registered at the Deeds Registry. You have absolute control to sell, alter, or use the property as collateral for a mortgage.
This is the gold standard of property ownership in Zimbabwe. The property is registered entirely in your name at the Deeds Registry. You have absolute control to sell, alter, or use the property as collateral for a mortgage. There are no developers or municipal authorities standing between you and your ownership rights, but you carry 100% of the responsibility for maintenance, ZESA, and municipal rates.
These are properties in areas like Kuwadzana, Highfield, or Budiriro. Stand sizes are compact, typically between 150 and 300 square meters. Houses are built close together, maximizing land use. For investors, these properties often yield the most consistent rental returns and have the highest transaction volumes in the Zimbabwean market due to massive housing demand.
What you'll be on the hook for each month - providers, reliability, and the seller's existing backup setup.
Costs are estimates provided by the listing agent and may vary with usage and tariff changes.
Drawn from the Propertyzone amenity index. Distances are approximate.
Information provided by the listing agent. Propertyzone has not verified accuracy.
Our commitment: Propertyzone permits listings only from estate agents and agencies that are registered with the Estate Agents Council of Zimbabwe (EACZ). We operate in alignment with applicable Zimbabwean laws and regulations, including but not limited to Estate Agents Act and EACZ regulations, Regional, Town and Country Planning Act, Deeds Registries Act, local authority bylaws and planning requirements
Important notice:
While Propertyzone verifies that agents and agencies are duly registered with the EACZ, the platform does not currently verify individual property ownership, agent mandates from property owners, title deeds or deed numbers, municipal rates clearance certificates, approved building plans, accuracy or completeness of listing information. Accordingly, no representation or warranty either express or implied is made regarding the accuracy, legality, completeness, or reliability of any listing.
Users are solely responsible for conducting independent due diligence before entering into any property-related transaction. This includes, at a minimum verifying title deeds and ownership at the deeds registry, confirming municipal rates clearance and compliance, reviewing council approved plans and zoning, inspecting the physical property, confirming the agent's valid written mandate, seeking independent legal, financial and valuation advice.
Nothing on the Propertyzone platform constitutes legal advice, financial or investment advice, a recommendation or endorsement of any property or transaction. All decisions are made at the user's own discretion and risk. Property transactions are governed exclusively by the laws of Zimbabwe.
Propertyzone maintains a zero-tolerance approach to money laundering, terrorism financing, fraud, and related financial crimes. Users, agents, and agencies are strictly prohibited from using the platform to conceal or disguise the origin of funds, engage in suspicious, fraudulent, or unlawful transactions, circumvent KYC or AML requirements. Propertyzone reserves the right to request additional verification or documentation, suspend or terminate accounts involved in suspicious activity, report suspicious transactions to relevant authorities in accordance with the Money Laundering and Proceeds of Crime Act [Chapter 9:24] and the Cyber and Data Protection Act.
By using the platform, users acknowledge that Propertyzone acts solely as a digital intermediary. All engagements with listings are undertaken at the user's own risk. Propertyzone bears no liability for losses arising from reliance on listing information or third-party conduct.
We are actively developing enhanced verification, compliance and risk mitigation systems to strengthen market integrity and user protection. For more details, please visit our and our pages.
Do not rely on generic fee calculators. In Zimbabwe, the transaction burden is aggressively split between the buyer and the seller, and ZIMRA is ruthless about compliance before allowing the Deeds Office to register a transfer.
The Buyer's Burden (Budget 5% to 8%): You must pay Stamp Duty to ZIMRA (currently 3% for residential properties) plus Conveyancing fees (typically 2% to 4%) and Deeds Office lodgement fees. You cannot get the title in your name until ZIMRA issues your stamp duty assessment.
The Seller's Burden (Capital Gains Tax): The seller pays Capital Gains Tax (CGT)—typically 20% on the capital gain if the property was acquired after February 2009, or 5% of the gross sale price if acquired earlier. If the seller attempts to evade CGT, ZIMRA will withhold the tax clearance certificate, and your transfer will stall indefinitely in the conveyancer's trust account.
Checking a physical paper deed is no longer sufficient to prevent property fraud. The government has enacted Statutory Instrument 76 of 2025, which mandates the digitization and validation of all paper title deeds. Unvalidated paper deeds are a massive security risk.
Before paying a single dollar in deposit, your appointed conveyancer must run a digital Deeds Office search to confirm the seller’s deed has been validated against the new securitized registry. This search also flags if the property has a hidden bank mortgage, a caveat, or a legal dispute registered against it. If a seller resists an independent Deeds search or claims the original deed is "locked away in the diaspora," walk away immediately.
While local USD mortgages are available through banks like CABS, Stanbic, and FBC, they carry severe operational friction. Interest rates sit at a punishing 8% to 14% per annum, loan-to-value ratios rarely exceed 70%, and the approval process can drag on for months.
Because of this, the Zimbabwean residential market is heavily dominated by cash transactions (Nostro transfers or hard USD). If you submit an offer "Subject to Bond" without a stamped bank pre-approval letter, top-tier agents and sellers will reject it instantly in favor of a cash buyer. If you require a mortgage, secure your bank financing before you start viewing properties.
No. Zimbabwe operates strictly on a voetstoots (as-is) basis. There is no mandatory seller disclosure law. Once the transfer registers, every physical defect and unapproved alteration becomes your financial problem.
You must conduct two forms of due diligence before signing an Offer to Purchase. First, hire an independent building inspector to check the roof, electrical DB boards, and borehole infrastructure. Second, demand to see the City of Harare approved building plans and the current municipal rates statement. If the seller built a cottage without council approval, or owes $5,000 in unpaid water bills, the council will block the Rates Clearance Certificate, paralyzing the transfer process.
Your deposit and the balance of the purchase price must never be paid directly to the seller or the real estate agent's operating account. All capital must be paid into the registering conveyancing lawyer's audited Trust Account.
If the seller has an existing mortgage on the property, the Deeds Office will not allow the transfer. Your conveyancer uses the funds in their trust account to request a "cancellation figure" from the seller's bank, pays off the seller's debt, and only releases the remaining profit to the seller after the property is successfully registered in your name. This escrow process is your ultimate protection against capital loss.
The only secure, bankable form of ownership in Zimbabwe is a registered Deed of Transfer (or Deed of Grant) recorded at the Deeds Office. However, the regulatory landscape has recently shifted. Under Statutory Instrument (SI) 76 of 2025, all traditional paper title deeds are undergoing a compulsory digital validation process. Before purchasing, your conveyancer must now verify that the seller’s paper deed has been validated or converted to a secure digital deed to prevent forged-document fraud.
The Cession Trap: Many new cluster developments and high-density stands are sold under "Cession." This means the developer or local council holds the master Title Deed, and you only own a contractual right to the property. You do not own the land. If the developer goes bankrupt or used the master deed as collateral for a bank loan that defaults, your property is at risk. Never buy a high-value property on cession without a conveyancer reviewing the developer's master title and subdivision permits.
Under the Regional, Town and Country Planning Act, a property’s zoning dictates its maximum yield, but the real market value is driven by commercial conversion potential and densification.
Commercial Conversions: Suburbs bordering the CBD (such as Eastlea, Milton Park, and Belvedere) command massive premiums because residential properties are being converted to commercial offices. However, operating a business on a residentially zoned stand without applying for "Special Consent" or a formal rezoning permit from the City of Harare is illegal. The council can issue enforcement orders forcing you to shut down. Do not pay a "commercial premium" for a residential property unless the agent can provide the approved commercial use permit.
Cluster Densification: In northern suburbs (Borrowdale, Highlands), large low-density stands are being bought for cluster housing. A seller cannot simply carve off a piece of their garden and sell it to you. A legal subdivision requires a Dispensation Certificate and a Certificate of Registered Title. If you buy an "unapproved subdivision," you will not be able to get a Title Deed or build legally.
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