If tax records are showing 2 bedrooms and 2 bathrooms you are correct the extra bedroom and bathroom may not be permitted. I would request bedroom and bathroom count information from your Realtor. Question Realtor as to why sold as 3 bedrooms/3 bathrooms but tax records showing 2 bedrooms/2 bathrooms. Additionally, I would request a copy of the appraisal to verify bedroom/bath count used in appraisal. There maybe unrecorded records showing additional bedroom/bath count. First get it cleared up about the valid legal bedroom/bath count. If in fact the legal count is 2 bedroom/2 baths that is what you have purchased. May want to consult with attorney I am a Realtor but think unit would have to be sold based on legal bedroom/bath count. Hope that Helps.
Gail Mercedes Cole
EXP Realty Marina del Rey
. Usually when permits are pulled with the city, they will update their records and the tax consequences.
Your risk is
1.getting the loan. Lenders do not like illegal additions and the illegal space is not included in appraisal.
2. poor workmanship.Most illegal work is poor work.
3. being asked by the city to "bring the illegal addition up to code or remove it".
If there are no permits for the additional bedroom and bathroom the downside to you is when you sell the property you will need to disclosure that the unit is 2 bedrooms, 2 bath. (The current owner should have noted this too.)