Appraiser Marked Private Septic And Well As Public

[spittman]

He doesn't want to take any responsi

I was going to say post #63

S is for spittman did id first!​

Actually I think @andrew81 did in Post #62. I just took it a step further and pointed out several other things for the OP to see. OP chose to ignore them.

 

[Mike Ault]

OP chose to ignore them.

I knew something weird was going on – no way this thread went that long without somebody pointing that out. Sorry for the confusion on my part!

 

[Huds_Harm]

agardner13,
What is included in the $60k repair estimates you have received? And what proportion of the total is attributable to each repair? Can the well be moved and the mainline repaired? From what I have been able to derive from this thread, the zoning jurisdiction will not allow simply repairing the line when the well/septic distance is less than allowable. But there is also some indication that the site is too small for both well and septic to be allowable.

Exactly. Which was also a requirement of the lender/appraiser to ensure room for repair or replacement. Main line separations/tunneling,
moving the well, removing trees and breaking concrete will be at least 60k.

 

[Mark K]

Seems like the OP is just trolling at this point.

Yep, attention seeking seems to be the point of this mostly pointless thread.

 

[Huds_Harm]

Actually I think @andrew81 did in Post #62. I just took it a step further and pointed out several other things for the OP to see. OP chose to ignore them.

As the on-site representative for the lender, the appraiser provides preliminary verification that a property meets the General Acceptability Criteria, which include the Minimum Property Requirements (MPR) or Minimum Property Standards (MPS)



The DE Underwriter who is responsible for the quality of the appraisal report is allowed to communicate with the appraiser, to request clarifications and discuss components of the appraisal that influence its quality.

The underwriter bears the primary responsibility for determining the eligibility of a property for FHA insurance.

 

[Huds_Harm]

I am sorry but I am very late to this discussion and wondered if anybody had posted this from HUD Handbook 4000.1?

Septic Tank Distance:

The Appraiser must also be familiar with the minimum distance requirements between private wells and sources of pollution and, if discernible, comment on them. The Appraiser is not required to sketch or note distances between the well, property lines, septic tanks, drain fields, or building Structures but may provide estimated distances where they are comfortable doing so. When available, the Appraiser should obtain from the homeowner or Mortgagee a copy of a survey or other documents attesting to the separation distances between the well and septic system or other sources of pollution.

you conveniently left off this part.

If the Property has a septic system, the Appraiser must visually observe it for any signs of failure or surface evidence of malfunction. If there are readily observable deficiencies, the Appraiser must require repair or further inspection.

How that is done when they marked it public is beyond me.

 

[Huds_Harm]

Yep, attention seeking seems to be the point of this mostly pointless thread.

That’s classic coming from you Mark.

 

[Huds_Harm]

I posted the same thing way back in Comment #63 - https://appraisersforum.com/forums/...septic-and-well-as-public.230937/post-3103873. Pointed out several things from the most current handbook. I could go on and on about disclaimers found directly in home inspectors' reports, to Texas contract section #7 Buyers accepts home "as-is" to HUD's own addendum that states an appraisal is not a home inspection. OP just decides to pick and choose what they want to see and repeatedly quotes from outdated material. Can't believe this thread is still going. Seems like the OP is just trolling at this point. OP might as well sue the Texas Real Estate Commission (TREC), Texas Commission on Environmental Quality (TCEQ), and the local permitting authority for not personally following him on proper procedure in protecting the new homebuyer's (OSSF) On-Site Sewage Facility. All of these consumer protection boards obviously failed the OP (sarcasm).

View attachment 57319

you conveniently left off this part.

If the Property has a septic system, the Appraiser must visually observe it for any signs of failure or surface evidence of malfunction. If there are readily observable deficiencies, the Appraiser must require repair or further inspection.

How that is done when they marked it public is beyond me also the appraisers who think they can pick and choose their required duties could be the reason this thread is STILL going.

 

[Mark K]

That’s classic coming from you Mark.

Sorry if pointing out the obvious offends you but at this point, maybe you can inform us for the reason for your continued, repeated ramblings?

After all, you're the one with 134 posts on the same subject, chanting the victim's mantra.

 

[Huds_Harm]

Sorry if pointing out the obvious offends you but at this point, maybe you can inform us for the reason for your continued, repeated ramblings?

After all, you're the one with 134 posts on the same subject, chanting the victim's mantra.

It looks like the appraisers who think they can pick and choose their required duties could be the reason this thread is STILL going.