Judge Rules Appraiser/Lender Owe no duty of care

[Tiffany Gibbons]

I second that ASAP TIffany. I did not give you permission to disclose my personal information and you can be found just as easy if not easier.

Yeah, I post under my name.

 

[Huds_Harm]

Yeah, I post under my name.

You sure do

 

[Huds_Harm]

Appraisers have enough bad press with the unsupported bias claims. These stories impact my livelihood.

Appraisers like you deserve the bad press and your incessant research with mal intent proves it. Happy Appraising Tiffany.

 

[shrubberyvaluation]

I bought an FHA appraisal.

With regard to products liability, a defendant is liable when the plaintiff proves that the product is defective, regardless of the defendant’s intent. It is irrelevant whether the manufacturer or supplier exercised great care; if there is a defect in the product that causes harm, he or she will be liable for it.

This is the only industry where a consumer pays for a product, in this case $650.00, and if that item is defective and or causes harm, the appraiser is allowed to CYA out of it.

You didn't buy an appraisal, the lender did. You just paid the lender more. If the lender misled you on this you should take it up with them.

 

[shrubberyvaluation]

Well, it was publicly posted in the snippets of the actual appraisal that were in that appraiser blog. I derived the information from the Flood Map information that was in the blog. The appraiser's name was also publicly posted there on the checklist. I just Googled the county, the appraiser, and the lender, which she named in one of the other posts. If the OP doesn't want people to know any details, she should stay off appraiser blogs and appraiser forums with folks who are good at research Her attorney shouldhave told her. I'm tired of indiscriminate appraiser bashing. Appraisers have enough bad press with the unsupported bias claims. These stories impact my livelihood. I was tired of all the evasive maneuvering. You can see the well in the backyard. How do you find the leachfield if there is no septic record. This should be in the FHA class. I took the class last year and it was not even mentioned.

OP has been very shady and only accepts correct information when it fits her narrative. It makes me question what other pertinent info might be left out. We are only hearing one side and they are showing themselves to be very biased.

What are these FHA MPR items that are so vital yet your home inspector missed them. You only care about FHA MPR insofar as you think pretending to care about it might get you $$$.

 

[Tiffany Gibbons]

Judgements and dismissals are part of the public court record for the county. And you've been on news outlets to tell your story. So that's public domain.

 

[Tiffany Gibbons]

Ms Gibbons, you should consider deleting that info ASAP. The OP clearly didn't intend for us to have access to that much information.

On another note, If that actually is the property then adding the location which backs to a creek becomes another interesting piece of information which - if disclosed at the outset of this discussion - would probably have cut off most of the commentary about the difficulty and expense of relocating a well and septic. OP could have saved us all a lot of time and energy on that one.

If that isn't the property in question then disregard.

She disclosed the waterfront location in her 2022 thread. and posted photos of the deck too.

 

[George Hatch]

I second that ASAP TIffany. I did not give you permission to disclose my personal information and you can be found just as easy if not easier.

You're a property owner in a county that runs a GIS system that shows a ton of information about the property itself as a matter of public record and which available to anyone who knows how to look. Which that's the kind of info that could have helped us understand the property attributes that you omitted from your description.

According to the County's info online, which includes overlays for the topography and floodplain as well as the lot lines for this parcel, is located in unincorporated County area, parcel backs to an actual creek, the topo slopes down from the structure to the creek and the entire rear yard is located in the floodplain. The structure appears to +/- abut the southern lot line, and the same appears to be true for the parcel to the north, the lot width itself being ~100ft. The s/w corner of the structure is about 70ft from the rear lot line and the n/w corner is about 125ft from the lot line. Regardless of the HUD MPRs, the county probably has very distinct limitations as to how close a septic install can be to the creek, and possibly similar for the well.

This is all info about the property which could have helped us greatly WRT understanding this situation. We could have entirely skipped most of the discussion - which you also perpetuated - about difficulty and costs of relocating a well and septic in a situation like this. So some of the responsibility for those exchanges - and your chronic irritation with our references to what we know about the normal costs of redoing an existing septic install - rests on you. You could have avoided all the controversy by merely answering these questions the first time they came up.

FYI, appraisers get lied to about property attributes on a regular basis. So the act of not simply accepting your opinions and commentary at face value becomes part of our normal process for solving appraisal problems.

At least now we can better understand one reason why the tank location was sited so closely to the structure. The developer probably decided it was safer to locate it as far as possible from the creek. And for a 1970s build it appears the County concurred.

 

[George Hatch]

Well, it was publicly posted in the snippets of the actual appraisal that were in that appraiser blog. I derived the information from the Flood Map information that was in the blog. The appraiser's name was also publicly posted there on the checklist. I just Googled the county, the appraiser, and the lender, which she named in one of the other posts. If the OP doesn't want people to know any details, she should stay off appraiser blogs and appraiser forums with folks who are good at research Her attorney shouldhave told her. I'm tired of indiscriminate appraiser bashing. Appraisers have enough bad press with the unsupported bias claims. These stories impact my livelihood. I was tired of all the evasive maneuvering. You can see the well in the backyard. How do you find the leachfield if there is no septic record. This should be in the FHA class. I took the class last year and it was not even mentioned.

Got it. Apologies.

But if she doxxed herself by her own hand then I suppose that posting a screengrab of the parcel from the County's GIS system doesn't add to her problems. I will say I am impressed with the topo map showing the elevations in 1ft increments. Some systems only get as close as 20ft elevations. The topo shows that the reason for the driveway-over-culvert probably relates to the natural drainage. There's similar culverting across the street frontage on the other side of the street, so that might be typical for the area.

 

[Tiffany Gibbons]

Got it. Apologies.

But since she doxxed herself by her own hand I supposed that posting a screengrab of the parcel from the County's GIS system doesn't add to her problems. I will say I am impressed with the topo map showing the elevations in 1ft increments. Some systems only get as close as 20ft elevations.

View attachment 89444

All the interior photos and the weird driveway/drainage easement really help show the limitations of the site. The aerial view on GIS too.