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Does A Bedroom Need Full Access To A Full Bath?

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Never saw this before so need your input please. I am appraising a house with one full bath but it is in the master. The hall bath is a half bath. So I am wondering if underwriters will bite as it being a two bedroom or only a one bedroom based on the bath situation. The only shower or tub is accessible only by going through the master bedroom. There is a secondary bedroom but only has access to a half bath. So one bedroom or two?

What do the most competitive closed sales w/in the prior year, prior 3 years, prior 5 years tell you? Listen to them. :beer:
 
. The fourth bedroom had no bath...or a hall bath...they'd have to run downstairs to the powder room in the middle of the night or enter one of the other three bedrooms to access a bath. This was done to accommodate a larger 2nd floor laundry room.

No utility sink in the laundry room? :cautious: :leeann2:
 
So...do you only take a full bath in a full bathroom? Or, do you just take half a bath in a half bathroom? I quit using that terminology about 20 years ago. Same with double car garage. Prefer 2pc, 3pc, 4pc, 5pc, etc.

Another one that gets me as seen in MLS just yesterday....Agent reports..."brand new hot water heater". Who, in their right mind would heat "hot water"?
 
With many people opting to eliminate bathtubs entirely in small homes and cabins, I would have to think long and hard about this being obsolescence in a 2 bed room home.
 
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