Okay, here's a good one. We have at first glance what appears to be two single family half-duplex properties attached to each other (making one duplex type dwelling), each on a 20x100 lot. Easy, right? Problem is, it has been sold as a multi-family property more than once, so we have various recent deeds as a MF, and lender has TWO previous recent appraisals as a MF. Current owner has her one deed, pays 2 tax bills. Also, the duplex layout inside (both sides occupied by same owner) is not split along the property line (basement is finished and completely open to entire structure with full access to both sides, and above grade, each side has a half-bath (one behind the other) that straddles and extends over this line, but there is no access between the two units above grade. HABU: - Legally - 2SF, since 2 lots (?), but both uses are allowed (town told me " they can do whatever they want to do" - trying to find someone a little more enlightened!) - Physically possible - lot wise 2SF, improvement wise MF - Financially feasible - again MF, additional cost to change to 2 SF layout? - Most value - MF Virtually all properties on street are identical to this, but are on one lot and are all MFs. This appears to be the only one with two parcels under the single structure, but the street history leads me to believe it had to be a true MF at least at one time. Still waiting for definitive word from the city, but it seems that it would have to be 2 SFs with obsolescence, etc. for non-separated basement and encroaching baths, but HABU is a problem. What do you guys think?