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Private Well Inside House?

Discussion in 'FHA/HUD and VA' started by WICRA16, Jun 26, 2008.

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  1. WICRA16

    WICRA16 New Member

    0
    Sep 19, 2005
    Professional Status:
    Certified Residential Appraiser
    State:
    Wisconsin
    Ok, I did an FHA inspection. Well head is located inside the house on the main floor (home has crawl space). I flagged this and now lender is FREAKIN!! I reviewed regs and it says little to nothing about this type of issue other than a well can be within foundation walls if adequate water egress is available. This is not the case. If this well backs up or floods, significant damage will occur to the interior of the home.

    Anybody ever deal with anything like this?
     
  2. Mr Rex

    Mr Rex Elite Member

    196
    Jan 12, 2004
    Professional Status:
    Certified Residential Appraiser
    State:
    North Carolina
    5. Is a well located in the basement okay? If not allowed by FHA, what if local laws permit it?
    [FONT=Times New Roman,Times New Roman]An existing property, which is serviced by a well located within the foundations walls of the dwelling, is acceptable as security for FHA-insured financing only when the local jurisdiction recognizes and permits such a location. A well located within the foundation walls of new construction is not acceptable except in arctic or sub-arctic regions.
    [/FONT]
     
  3. RSW

    RSW Elite Member

    49
    Feb 18, 2002
    Professional Status:
    Certified Residential Appraiser
    State:
    Tennessee

    Don't think we have to worry about that around here!

    Rex is correct!
     
  4. WICRA16

    WICRA16 New Member

    0
    Sep 19, 2005
    Professional Status:
    Certified Residential Appraiser
    State:
    Wisconsin
    Local building codes have nothing to say about the wells, but DNR does have requirements that wells need to be outside. Is this enough to satisfy the "local laws" criteria?
     
  5. Farm Gal

    Farm Gal Elite Member

    0
    Jan 14, 2002
    Professional Status:
    Licensed Appraiser
    State:
    Nebraska
    Joel- Is the well inaccesible from the house interior (located ONLY in the crawl space) or does it have access from the main level?

    You said 'well-head' - does this mean that the well provides the primary source of water for the residence?

    Lastly define the concern with 'adequate water egress' - does this well have a habit of going artesian?

    If not, has it ever floodded the house?!?!? Noting the atypical condition, and moving on may be sufficent.

    Did more than one FHA interior wells over the years - none recently.
     
  6. Don Clark

    Don Clark Elite Member

    14
    Jan 17, 2002
    Professional Status:
    Certified Residential Appraiser
    State:
    Virginia

    I would have to agree with Lee Ann. If indoor pools are permitted, why not indoor wells? I would note it's location, and let the DEU handle it.
     
  7. Mike Boyd

    Mike Boyd Elite Member

    0
    Jan 18, 2002
    Professional Status:
    Retired Appraiser
    State:
    California
    I agree with LeeAnn and Don. The simple act of a pipe breaking under the sink or in the walls, whether a well or public water, can also cause singificant damage.
     
  8. KimB in PA

    KimB in PA New Member

    0
    Jun 10, 2008
    Professional Status:
    Certified Residential Appraiser
    State:
    Pennsylvania
    In my office within the past week we have seen 3 properties with Wells in odd places, 1 in a basement (still waiting for township to let me know if there is a well permit for it) 1 outside the foundation of the house, but has recently had a foundation placed around it with a roof.. acting as a shed. The third was located under a porch which had a some sort of foundation.

    Thanks Mr. Rex for the clearification on it tho.
     
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