HUD Minimum Crawl Space requirements - 12x12 Rear Addition which has "crawl space"

[timd354]

Wow. I don't remember asking to be insulted, just asked for help. My query was based on the fact it's an addition. If that was the whole house, than of course it's crawl space.
I was wondering if HUD treated an addition differently. Oh, and I have an Associates Degree in Economics. So, thanks for the assumptions, I truly appreciate it. If I had known you were going to be a jerk, I would have asked that you not help me. Your comments aren't worth the help, to be honest. I hope you don't fall off your high horse, i'd hate for you to get hurt.

First of all, my post which upsets you was directed as a response to a post made to the webbed footed one. Secondly, no where in my post did I comment on your personal level of education although I guess I did refer to trying to help a "poor, ignorant appraiser." That was my bad, as I don't actually know whether or not your are "poor", but you are demonstrably ignorant about the HUD crawl space guidelines. Most of my comments were general comments about the lack of stadards in our industry that allows incompetent and undereducated idiots become licensed and certified appraisers. If you do not consider yourself to be incompetent, undereducated, or an idiot, then you have no reason to be offended.

Whatever one's education or degree is, the fact that an appraiser apparently cannot figure out that a crawl space is a crawl space, whether it is under
the orginal part of a structure or an addition is a problem in my opinion, and, is just one of many symptoms of what is wrong with the system.

I can't help it, but is a roof not a roof if it is what others would commonly refer to as the roof if it is located on an addition?

 

[Mztk1]

Mr. Klos, Timd,

I don't see how either of you can possibly come to that conclusion from that photo. I sure did not see any photo of the so-called basement or crawlspace either one. You both have to be basing your EA's on the appearance from the exterior rear shot only instead of conclusive evidence presented by the O.P.
Webbed.

I didn't base my conclusion that it was a crawl space on the photo alone. I read what sounded like a euphimism for a crawl space and then looked at the picture. As noted from the original post:

It's really not a crawl space as much as just space underneath an addition.

It seemed obvious to me (and I know you are someone who believes in exact word and phrase choice in OPs and you know I am someone who feels as long as I get the gist of what is being said, unless I am reading a philosophical treatise or scientific study) that the OP was saying the area under the addition was not a "Crawl" space because it is not something you can "crawl" under. In his wording it sounded like he felt is was merely space, not "crawl" space. The photo confirmed my reading of the OP and I went with it.

Judging by Anonymous's later responses, I had it right THIS time.

 

[Mountain Man]

Based on the update class I took for CE this past weekend... the old crawl space height rule is out the window. It seems FHA doesn't care about any of the old rules... as long as it's not rotted falling in or could kill anyone, they'll take it. Bailing out America. :icon_rolleyes:

 

[Wyoming]

From Appendix D:

FHA Quick Tips
Minimum Property Requirements (MPR) and Minimum Property Standards (MPS)
For new construction to be eligible for FHA financing, it must comply with HUD’s Minimum Property Standards (including 24 CFR 200.926d). Existing construction must comply with HUD’s Minimum Property Requirements (HUD Handbook 4905.1)

From HUD 4905.1:
2-14 CRAWL SPACE. In order to insure against conditions which
could cause deterioration to the building and seriously
affect the marketability of the property, it is required
that:
A. There must be adequate access to the crawl space.
B. The floor joists must be sufficiently above the
highest level of the ground to provide access for
maintenance and repair of ductwork and plumbing.
C. The crawl space must be clear of all debris and
properly vented.
D. Any excessive dampness or ponding of water in the
crawl space must be corrected.

I haven't read anywhere that additions have different requirements than the original home. What if the addition were built on slab? What if the whole home was built on slab?

 

[Mztk1]

So even if it's not >=18 inches, I can still say that the "the Subject and crawl space both meet HUD minimum property standards" assuming everything else does?

Mike

Yes. Even if it is less than 18" it can still be accepted. It is not a mandatory disqualification and it is left to the underwriter.

I said 18" because of the way you described it. It sounded like it was just empty space without any mechanical equipment, etc. If there is piping, wiring, plumbing, etc, the minimum is 24", but again it does not disqualify the house from FHA/HUD. Just state what it is, state the amount is recommended at 18" and leae the rest to the underwriter.

 

[RSW]

From Appendix D:

FHA Quick Tips
Minimum Property Requirements (MPR) and Minimum Property Standards (MPS)
For new construction to be eligible for FHA financing, it must comply with HUD’s Minimum Property Standards (including 24 CFR 200.926d). Existing construction must comply with HUD’s Minimum Property Requirements (HUD Handbook 4905.1)

From HUD 4905.1:
2-14 CRAWL SPACE. In order to insure against conditions which
could cause deterioration to the building and seriously
affect the marketability of the property, it is required
that:
A. There must be adequate access to the crawl space.
B. The floor joists must be sufficiently above the
highest level of the ground to provide access for
maintenance and repair of ductwork and plumbing.
C. The crawl space must be clear of all debris and
properly vented.
D. Any excessive dampness or ponding of water in the
crawl space must be corrected.

I haven't read anywhere that additions have different requirements than the original home. What if the addition were built on slab? What if the whole home was built on slab?

If it's built on a slab you don't have to inspect the crawl space since there is no crawl space. Just report it as a slab foundation.