Utility Lines

[ClemsonCatfish]

I recently completed an FHA inspection on a home that has utility lines running directly over the rear deck. They appeared to include electric distribution lines, but I am not an expert and mentioned so in the report. In the report I noted that this appears to be a deficiency and may need corrected, and asked the underwriter to review. I just received the 1004D order, and there is a letter from the Power Company stating the deck doesn't need removed as it is located in the right of way, and that there are no clearance/NEC violations and that it is safe and meets all local standards. The letter from the Power Company also confirms that there is 3-phase 12,470v power lines over the deck, which to me also confirms it is an FHA violation. Has anyone ever encountered such a situation? I am happy to do the 1004D, but it will state that the subject does not meet 4000.1 due to the power lines. There were other repairs that were needed in addition to the power lines. As I asked the underwriter to review, do you think they looked at it and said "it's ok"? Seems like the FHA loan app should have ended with the confirmation of the electrical lines over the deck.

 

[JTip]

Power Company stating the deck doesn't need removed as it is located in the right of way

Hmmm......is the deck permitted by the local municipality/county?

Pictures would help.

 

[ClemsonCatfish]

Hmmm......is the deck permitted by the local municipality/county?

Pictures would help.

JTip, here's a pic

 

[Dublin ohio]

So what does the 4000.1 actually say. The typical clearance if I remember correctly is 10'. What is the safety threat.

 

[ClemsonCatfish]

So what does the 4000.1 actually say. The typical clearance if I remember correctly is 10'. What is the safety threat.

Dublin, this is what the book says

 

[ClemsonCatfish]

So what does the 4000.1 actually say. The typical clearance if I remember correctly is 10'. What is the safety threat.

The clearance is fine. I would think the safety threat is if the lines were to come down during a storm etc then there is an electrocution threat.

 

[Dublin ohio]

there is a letter from the Power Company stating the deck doesn't need removed as it is located in the right of way, and that there are no clearance/NEC violations and that it is safe and meets all local standards.

If you notice in the info from the 4000.1 you posted. Your only obligation is to inform the lender of the violation. The lender takes it from there and a letter from the power company is one of the possible "cures" for the issue. Now that part would not appear in any appraisal guidelines because it is an underwriting issue

 

[Dublin ohio]

If you notice in the info from the 4000.1 you posted. Your only obligation is to inform the lender of the violation. The lender takes it from there and a letter from the power company is one of the possible "cures" for the issue. Now that part would not appear in any appraisal guidelines because it is an underwriting issue

Page 183 of the 4000.1

(B) Overhead Electric Power The Mortgagee must confirm that any Overhead Electric Power Transmission Lines do not pass directly over any dwelling, Structure or related property improvement,including pools. The power line must be relocated for a Property to be eligible for FHA-insured financing.The residential service drop line may not pass directly over any pool, spa or waterfeature.If the dwelling or related property improvements are located within the Easement area, the Mortgagee must obtain a certification from the appropriate utility company or local regulatory agency stating that the relationship between the improvements and Local Distribution Lines conforms to local standards and is safe

 

[JTip]

Dublin nailed it.

FWIW, the power lines are the top lines, the lower lines are phone and cable.

 

[Tom D]

Just too funny, subject to neighborhood powers lines be movef back 30 ft. Yea right, say electric co. It is a non curable item which you state and let lender decide. Utility say safe, but you are more electric certified calling it to be corrected.

Then again, can you talk to the lender before your written conclusions. This is an odd one. How many comps did you find to make that location adjustment.