FHA: Garage Conversion not permitted

[Tammy Tidwell]

I'm appraising this home that has a family room where the garage used to be. This room is open to the rest of the house with a 6' entry way and has been constructed in a good workmanship-like-manner. However, no permits and no heating/air ducts. Where does it show in the handbook that this would not be considered livable area. I have the guidelines but can't seem to find anything about permits and air ducts. Does anybody know the answer to this?

 

[Jerry Bone Jr]

Not all jurisdictions require permits. Not all homes have air ducts. Therefore, it's not in the handbook. Considered "livable area", that's up to you.

 

[Hiker]

Tammy, I run across these all the time on the west side. A couple things you want to consider is the quality of the conversion inside. Is it heated/cooled from the main system thru ducting or open passage way(no door)? The garage door must be removed and the front must be finished like the main house.

I always make a note in the report about the square footage differences and then explain the findings.

The lenders underwriter will make the final decision. All you can is report what you find.

 

[Adele Lindquist]

I think you have forgotton the "highest and best use" analysis-without the proper permits, the area is not legally permitted.