Appraiser Marked Private Septic And Well As Public

[glenn walker]

So they just ask if they are on the appraisal to go back and request a revision from who?

OK If I was the appraiser If I did not see any evidence that well and septic were non-operational I would then comment on if there was a nearby public water and sewer to hook into. ( Yes or No ) Based on what you say there is no nearby Public Sewer or Public Water to hook into. If there was typically FHA Underwriter uses the 3% rule meaning if the home is $250,000 than 3% or $7,500 and if more your not required to hook in by FHA.

My guess is the seller may have had sytem pumped before you purchased it and so everything looked good. but I guarantee you nobody is going to pay $60,000 bucks so forget that and also you can request your City-County to grant you a variance allowing you to continue to use the exiting systems until you sell the property down the road. Your only target is the Seller and Realtor if they had not disclosed you were on Septic & Sewer but-they did so your really screwed.

 

[Mike Ault]

The appraiser included this The Subject property meets all FHA/HUD minimum guidelines as outlined by Handbooks 4000.1
And the two questions were from the AMC of the appraisal not the internet.

Apparently the appraiser did not see any visual evidence to the contrary and he is not required to dig. If he made a specific well and septic statement in his report that all those distances met FHA minimum guidelines he needs to be able to explain how he verified that, that's why I rarely make such statements. Post us the section of your appraisal report that specifically mentions your well and septic system and we will see how egregious the situation truly is.

 

[Huds_Harm]

But still that doesn't answer how this

OK If I was the appraiser If I did not see any evidence that well and septic were non-operational I would then comment on if there was a nearby public water and sewer to hook into. ( Yes or No )

or this,

the appraiser is only required to call out well or septic certifications if he can visibly see or is told the systems are not operational.

was done if it was not visibly looked at?

 

[Huds_Harm]

Apparently the appraiser did not see any visual evidence to the contrary and he is not required to dig. If he made a specific well and septic statement in his report that all those distances met FHA minimum guidelines he needs to be able to explain how he verified that, that's why I rarely make such statements. Post us the section of your appraisal report that specifically mentions your well and septic system and we will see how egregious the situation truly is.

There are no well and septic statements because the appraiser marked both as public.

 

[2008 KC Royals]

But still that doesn't answer how this

or this,

was done if it was not visibly looked at?

Why would you think they weren't looked at? You already said they included a picture of the well in the report so they were aware of it.

 

[Mike Ault]

Just like I thought. That AMC did not require him to specifically answer those questions so why are you attempting to hold him accountable for them? Verifying the information contained in those questions are not FHA appraisal requirements. Maybe you should be suing the AMC for misrepresenting their work product.

 

[Huds_Harm]

Why would you think they weren't looked at? You already said they included a picture of the well in the report so they were aware of it.

Because they marked that public as well and there was no pump test done nor the required water test when less than 100ft between the two showing the appraiser could not have visually inspected it.

 

[Mike Ault]

Because they marked that public as well and there was no pump test done nor the required water test when less than 100ft between the two showing the appraiser could not have visually inspected it.

That statement makes no sense at all. I have never ordered a pump test or water test in my entire appraisal career. I have ordered them when I was purchasing property but never ordered one on the say-so of an appraiser.

 

[Huds_Harm]

Just like I thought. That AMC did not require him to specifically answer those questions so why are you attempting to hold him accountable for them? Verifying the information contained in those questions are not FHA appraisal requirements. Maybe you should be suing the AMC for misrepresenting their work product.

So in your opinion an appraiser marking private water well and sewer as public is fine because the AMC didn't require them to verify?

 

[Huds_Harm]

That statement makes no sense at all. I have never ordered a pump test or water test in my entire appraisal career. I have ordered them when I was purchasing property but never ordered one on the say-so of an appraiser.

I don't make the rules. I'm guessing the mortgagee didnt require one because A. the appraiser marked it as public and B the AMC said the appraisal included the previous requirements.

the Mortgagee must ensure that the water quality meets the requirements of the health authority with jurisdiction.
where the distance between the well and septic system is less than 100 feet.
(b) Required Documentation The Mortgagee must obtain a valid water test from the local health authority or a lab qualified to conduct water testing in the jurisdictional state or local authority.
Sewage System The Mortgagee must confirm that a connection is made to a public or community sewage disposal system whenever feasible and available at a reasonable cost. If connection costs to the public or community system are not reasonable, the existing Onsite Sewage Disposal Systems are acceptable provided they are functioning properly and meet the requirements of the local health department. When the Onsite Sewage Disposal System is not sufficient and an off-site system is available, the Mortgagee must confirm connection to an off-site sewage system. When the Onsite Sewage Disposal System is not sufficient and an off-site system is not available, the Mortgagee must reject the Property unless the Onsite Sewage Disposal System is repaired or replaced and complies with local health department standards.