Appraiser Marked Private Septic And Well As Public

[James Micozzi]

What’s pathetic is someone not knowing what their license entails. I would recommend you read who and what is required because I can assure you I missed no REQUIREMENTS.

Your comment does not even make any logical sense. That being said, you obviously are just looking for a payday. Typical scammer.

 

[Overimprovement]

Just a guess, it wasn’t ordered because the appraiser marked it public?

Don't even go there. You have already admitted that EVERYONE knew it had septic. Ordering a septic inspection does NOT depend on what checkbox an appraiser marks.

 

[NJAPRAZE]

I am referencing the septic was not located at the time of the home inspection. It was located prior to appraisal and exposed.

An appraiser does not complete an "inspection" -- appraiser views the site/home and then reports what they view/observe as a basis for their valuation estimate.

A HOME INSPECTION is done by a specialist and is more comprehensive - and includes actual testing of systems, evaluating the buidling structure, materials, general maintenance items, etc. If you did have a home inspection done... separate and diff than an appraisal -- what did it say about the well/septic systems? A home inspection report would clearly indicate whether or not they are onsite and provide the inspector's conclusions about their condition, along with recommendations.

Your evasiveness to my question pertaining to having an independent HOME INSPECTION done, by a home inspector (and not an appraiser), suggests this was NOT DONE? Did you waive this right... to have a home inspection done, as some chose to do (i.e. roll the dice), to make your bid more appealing... when bidding wars etc were purvasive and competition among buyers was fierce?? Should have had this done...

Or -- did both the home inspection report AND the appraisal say the same thing based on what could be readily viewed?

 

[Jayjay25]

This is a very appropriate quote from andrew21 on another FHA post:

The FHA guidelines are:
- Require well water testing when the distance between the well and septic system is less than 100 feet.
- Existing construction wells must be 50 ft or greater from the septic tank.
- Existing construction wells must be 100 ft or greater from the drain field.
- Existing construction septic tank drain field reduced to 75 feet if allowed by local authority.
- 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.
- 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.

 

[Huds_Harm]

Don't even go there. You have already admitted that EVERYONE knew it had septic. Ordering a septic inspection does NOT depend on what checkbox an appraiser marks.

This is a very appropriate quote from andrew21 on another FHA post:

The FHA guidelines are:
- Require well water testing when the distance between the well and septic system is less than 100 feet.
- Existing construction wells must be 50 ft or greater from the septic tank.
- Existing construction wells must be 100 ft or greater from the drain field.
- Existing construction septic tank drain field reduced to 75 feet if allowed by local authority.
- 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.
- 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.

 

[Huds_Harm]

An appraiser does not complete an "inspection" -- appraiser views the site/home and then reports what they view/observe as a basis for their valuation estimate.

A HOME INSPECTION is done by a specialist and is more comprehensive - and includes actual testing of systems, evaluating the buidling structure, materials, general maintenance items, etc. If you did have a home inspection done... separate and diff than an appraisal -- what did it say about the well/septic systems? A home inspection report would clearly indicate whether or not they are onsite and provide the inspector's conclusions about their condition, along with recommendations.

Your evasiveness to my question pertaining to having an independent HOME INSPECTION done, by a home inspector (and not an appraiser), suggests this was NOT DONE? Did you waive this right... to have a home inspection done, as some chose to do (i.e. roll the dice), to make your bid more appealing... when bidding wars etc were purvasive and competition among buyers was fierce?? Should have had this done...

Or -- did both the home inspection report AND the appraisal say the same thing based on what could be readily viewed?

This thread states I had a home inspection multiple times.

 

[Huds_Harm]

This is a very appropriate quote from andrew21 on another FHA post:

The FHA guidelines are:
- Require well water testing when the distance between the well and septic system is less than 100 feet.
- Existing construction wells must be 50 ft or greater from the septic tank.
- Existing construction wells must be 100 ft or greater from the drain field.
- Existing construction septic tank drain field reduced to 75 feet if allowed by local authority.
- 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.
- 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.

I think this should be pinned for the appraisers that don’t do these things.

 

[Huds_Harm]

Your comment does not even make any logical sense. That being said, you obviously are just looking for a payday. Typical scammer.

This is a very appropriate quote from andrew21 on another FHA post:

The FHA guidelines are:
- Require well water testing when the distance between the well and septic system is less than 100 feet.
- Existing construction wells must be 50 ft or greater from the septic tank.
- Existing construction wells must be 100 ft or greater from the drain field.
- Existing construction septic tank drain field reduced to 75 feet if allowed by local authority.
- 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.
- 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.

 

[Huds_Harm]

Guess what? I'm 30 years in and I'll not be doing that. Report me to the appraiser gods if you want.

This is a very appropriate quote from andrew21 on another FHA post:

The FHA guidelines are:
- Require well water testing when the distance between the well and septic system is less than 100 feet.
- Existing construction wells must be 50 ft or greater from the septic tank.
- Existing construction wells must be 100 ft or greater from the drain field.
- Existing construction septic tank drain field reduced to 75 feet if allowed by local authority.
- 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.
- 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.

 

[The Bob]

The appraiser on the property I purchased with an FHA loan marked my water and sewer as public therefore the required FHA tests and minimum distance requirements were not performed. The system has not only failed it will cost upwards of 60k to bring up to health and safety standards due to the size of the lot and having to move the well. The property does not qualify for a FHA loan due to the distance from the septic to the well as is being only 40ft. Any advice on who is liable?

Chances are, even with the lower distance, the lender could have gotten a waiver.

https://www.HUD.gov/sites/documents/DOC_16562.PDF