FHA, Unpermitted Patio

[BarrySW1963]

Can someone point me to guidance on how to address an unpermitted patio?

Situation:

• Large stone patio (not covered, not enclosed).
• Built without permits where permits are required.
• Large patios (covered, uncovered, enclosed, or some combination of) are typical on the homes in the area.
• It does not appear to be common for patios to be built without permits judging by the number of permits pulled for similar improvements in the neighborhood.

I figure Marion should be able to cite the right sections of the FHA handbook ...

Thank you!

 

[CANative]

If a patio is a legal use of the land (such as a permitted use) and there is no evidence of obtaining a permit describe the situation and it's affect on marketability and value (if any.) What will the building compliance department do? Fine and fee? Require removal?

BTW.. there is no "permit requirement" in the 4000.1 except for certain situations involving 203(k) loans.

 

[Rlong]

I do not have any quotes for you; but in general you are required to adress how the market would react, regardless. I am not familier with your jurisdiction but many jurisdictions would not do anything to "enforce" a uncovered patio built without a permit. Ive been a licensed contractor for 30 years and a permit would not be required around here that I know of (there are always additional conditions that might effect this).

One quick analysis you might make is to call the building department to see how hard it would be to get it permitted / approved now? There is a process. It's not like an addition where plumbing and electrical are hidden in the walls, etc. Most flatwork would just need a final inspection/observation; most all jurisdiictions have a process for this, as it is much more common that most are aware. (People add a door/room on their own, etc. especially with all the stupid "home shows" and the big box home stores encouraging everyone to "tear into" the homes! : ) . I'm on a Zoning Appeals Board now we see these when the people were not aware of setbacks, etc.

I would not "jump at" deducting value for a functional patio too quickly; but others on this forum take a much harder view on this than I, I believe.

Bob in CO

 

[J Grant]

Non permitted additions and conversions to houses are allowed in FHA financing, if appraiser makes a S adjustment (value ) FHA wants comps with similar non permitted additions. They want to know if the non permitted areas are market accepted /typical for area. I might presume the same would apply to non permitted patio?

 

[Meandering]

Can someone point me to guidance on how to address an unpermitted patio?

Situation:

• Large stone patio (not covered, not enclosed).
• Built without permits where permits are required.
• Large patios (covered, uncovered, enclosed, or some combination of) are typical on the homes in the area.
• It does not appear to be common for patios to be built without permits judging by the number of permits pulled for similar improvements in the neighborhood.

I figure Marion should be able to cite the right sections of the FHA handbook ...

Thank you!

Stones are not real estate,
They are not permanently attached to the land.

Rocks are personal property.
Personal property does not need a permit.

.

 

[CANative]

J... please cite the handbook or ML on this so I can copy it in my folder of things like this.

 

[Meandering]

Boulder field, Whitehaven pa.

.

 

[CANative]

Marion, Marion, MARION!

Stones are not real estate,
They are not permanently attached to the land.

Rocks are personal property.
Personal property does not need a permit.

.

 

[Meandering]

View attachment 26090

Marion, Marion, MARION!

And is this your appraisal?

And are they stones that are tamped into the earth?

Or is that colored, and formed concrete made to look like stones?

I'm going to guess the later.

.

 

[CANative]

Pay up Marion.

http://house-interior-design.site27...autify-the-flagstone/cost-of-flagstone-patio/