I am doing a refinance appraisal. The house next door to the subject has allowed their wood side fence to deteriorate. (The owner says he is pretty sure that it is the neighbor's fence because the neighbor told him that he was going to repair it one of these days.) Part of it is missing totally and the other part is collapsing into the subject yard. In addition to the fence problem, this same neighbor had an above ground pool that they installed inground and it is now totally trashed, empty, weeds growing out of it etc. Since there is no fence separating the two back yards, this is a safety hazard for the subject property. How would you handle this? I think it has to be reported to the lender as it is a safety hazard. My thought is to report it under adverse site conditions but do I make the appraisal subject to a survey to determine who the fence really belongs to? Do I just report it and recommend that the owner install some type of fencing blocking access to the neighbor's yard? Any Ideas?