If this is your first time building in Cagayan de Oro, permits can feel overwhelming. Relax. The process is structured and predictable — if you follow the correct order. This guide walks you through everything, from lot verification to occupancy approval. PHASE 1: BEFORE YOU DESIGN Step 1: Verify Lot Documents Secure copies of: Land Title (TCT/CTC) Updated Tax Declaration Real Property Tax clearance Make sure the property is under your name or you have legal authorization. St