Main Water shutoff on neighbors property.

[TITAN1]

Called HUD waisted 2 hours and couldn't talk to anyone, so I know I will get answers / opinions here.
Doing a streamline 203k and found the main water supply shutoff valve is in the neighbors yard behind a locked fence. Do I condition the report to moving the shutoff valve to the subject property?

2) the HVAC system air handler was moved from an internal closet to the carport, the old duction was left in place, the internal closet now has a hole in the ceiling with the exposed duct full of exposed dust and grime. Possible health issue,rodent access to interior? would you condition for the removal of the old ducting and the sheetrock closing of the closet ceiling?

 

[William Rightsell]

The water shutoff is a safety/security/saleability issue. If its behind a locked gate and not on the subject property, thats not accessible and can affect the safety and "saleability" of the home. I would condition for it to be moved.

If questioned, my defense would be that it is not acceptable in the marketplace...similar to bare wood subfloors are technically floors, but not acceptable in the marketplace and finish flooring would have to be installed.

The second issue I cant really visualize. I'd have to see a picture to decide what to do.


todd

 

[hglenbetts]

Things may be different where you're at, but up here, the water main shut off valve is 5 feet under ground and in the right of way. Only the local DPW accesses it. It wouldn't matter to me where that was at.

Also, our water meters are in the house and have shut off valves on each side of it.

As for the duct work?? If the closet duct work is still part of the larger system, how could you be getting proper air distribution and return with a large breach in it? May not meet codes. May not provide proper heating to entire GLA. Maybe call for inspection by contractor??

 

[EDWARD BERRY]

Hglenbetts Has It Right.

 

[Mike Garrett RAA]

Describe the situation and let the underwriter deal with it.

 

[William Rightsell]

Things may be different where you're at, but up here, the water main shut off valve is 5 feet under ground and in the right of way. Only the local DPW accesses it. It wouldn't matter to me where that was at. Agreed

Also, our water meters are in the house and have shut off valves on each side of it.

Well, if the water meter is IN the house and has a shut-off valve, then its really not an issue is it? There is a way to shut it off in an emergency. Thats a different case altogether.

Having a shut-off on another property that one may (or may not) access legally (and possibly very quickly) is not acceptable in this marketplace. Could be different in other areas, but here it is not accepted by the general market. Needs to be moved.

I have NEVER seen a home in this market that the owner did not have access to some type of shut-off for their property. Not saying there aren't any, but I have never seen or evenn heard of one.

todd

 

[CANative]

I could install a new shut off valve in the yard with about half a days work and fifty dollars in parts. A plumbing company might charge $300.

Describe it and move on. Let the UW decide since that's their job.

 

[CANative]

Per 24 CFR 200.926 (Appendix K to 4910.1). This is for proposed or new construction (less than 12 months old). There is no similar requirement in 4905.1 (Existing construction).

Utilities.
Utility services shall be independent for each
living unit, except that common services such
as water, sewer, gas and electricity may be
provided for living units under a single
mortgage or ownership. Separate utility
service shut-off for each unit shall be
provided. For living units under separate
ownership, common utility services may be
provided from the main to the building line
when protected by an easement or convenant and
maintenance agreement acceptable to HUD, but
shall not pass over, under or through any
other living unit. Individual utilities
serving a living unit may not pass over, under
or through another living unit under the same
mortgage unless provision is made for repair
and maintenance of utilities without trespass
or when protected by an easement of covenant
providing permanent access for maintenance and
repair of the utilities. Building drain
cleanouts shall be accessible from the
exterior where a single drain line within the
building serves more than one unit.