Yeah, my initial suggestion likely misses some corner cases. One case I am fairly confident it covers is (not sure if correct term) mutual interest land ownernship (aka, condos). Each layer has the same shape, but they're stacked one top another; each layer is a billable portion of the interest (e.g., a single condo on the shared land).

A poor man's approach could be to query the publicly available data sets, and use that data when there's match. Then, only pay for queries that fall into the edge cases.