407 square metres of serviced land awaits your vision in Cold Comfort. This residential high-density stand is ready for development, with ZESA connection already in place and municipal water connection available. The council cession ensures a straightforward acquisition process. Cold Comfort is known for its growing community and accessibility to essential services. This is a prime opportunity to build your dream home or investment property in a vibrant suburb. Reach out to discuss how this stand fits your plans.
407 square metres of serviced land awaits your vision in Cold Comfort. This residential high-density stand is ready for development, with ZESA connection already in place and municipal water connection available. The council cession ensures a straightforward acquisition process. Cold Comfort is known for its growing community and accessibility to essential services. This is a prime opportunity to build your dream home or investment property in a vibrant suburb. Reach out to discuss how this stand fits your plans.
The tenure, deed and zoning rules in plain language. Confirm specifics with your conveyancer before signing.
The local municipality owns the land. You are granted a lease or allocation permit, usually on the strict condition that you build a core structure within a specific timeframe. Once you fulfill the building conditions and pay off the stand, this tenure converts into a Cession and eventually a Deed of Grant. It is unmortgageable in this phase.
The local municipality owns the Title Deed. You are purchasing the right to occupy and eventually own the property. Ownership is transferred merely by changing names in the municipal housing registry. You will only get a formal Deed of Grant or Title Deed after fulfilling specific council conditions, which usually means building a core house and paying off the full purchase price. Banks view cessions as high-risk, making it very difficult to secure a mortgage.
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.
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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.
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The government recently announced the restitution of 67 commercial farms to foreign white owners protected under Bilateral Investment Promotion and Protection Agreements (BIPPAs), alongside 840 locally-owned farms. Over the last two decades, corrupt "land barons" and informal developers illegally subdivided many of these peri-urban farms around Harare into residential stands.
If you purchase a vacant stand on one of these contested peri-urban farms (especially in the North and West of Harare), your "offer letter" or "cession" is legally worthless. The government is returning the master title to the original investors. Your investment will be wiped out without compensation. Never buy peri-urban land without your conveyancer conducting a rigorous Deeds Office history search to confirm the land is not subject to a BIPPA restitution claim.
Developers frequently advertise stands as "fully serviced" and sell them off-plan. Legally, a stand is not serviced until the City Council issues a formal Certificate of Compliance verifying the roads, water, and sewer infrastructure meet statutory standards.
If you buy a stand without this certificate, the Deeds Office will not issue your Title Deed, and the council will reject your building plans. You will be legally barred from building, living on, or financing the land. Never pay a deposit to a developer without your EAC-registered agent verifying both the subdivision permit and the Certificate of Compliance.
A cession is a contract, not a property right. When you buy under a developer cession, the developer retains the master Title Deed. If the developer goes bankrupt, engages in double-allocation fraud, or defaults on a bank loan secured by the master deed, the bank will seize your stand—even if you have already built a house on it.
The only secure form of land ownership is a registered Deed of Transfer in your name, verified digitally against the SI 76 of 2025 framework. If you are forced to buy under cession, your lawyer must review the developer's master title to ensure it is unencumbered before you deploy capital.
Commercial banks in Zimbabwe almost universally refuse to issue mortgages for vacant land due to extreme collateral risk. They will only finance land if it possesses a fully registered Title Deed and comes packaged with council-approved building plans ready for immediate construction.
Consequently, land acquisition is a hard USD cash game. While developers offer 12 to 24-month installment plans, these are unsecured, high-risk contracts. If you miss a single payment, developers routinely cancel the contract and seize your deposit. Do not commit to buying land unless you have the liquid cash to execute the transaction fully.
Buying a stand simply to hold it for years carries severe holding costs. Local councils penalize land banking by applying escalating, punitive municipal rates to undeveloped stands. These rates bind the land—you cannot eventually sell or transfer the stand without clearing this accumulated debt.
Additionally, if you buy in a gated estate, you are immediately liable for full Homeowners' Association (HOA) monthly levies regardless of whether you have built. You are also legally required to clear the stand of tall grass; if you fail, council contractors will clear it and bill the punitive costs directly to your rates account.
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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