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Non-Permitted Items

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Blue1

Thread Starter
Elite Member
Joined
Jan 14, 2002
Professional Status
Certified Residential Appraiser
State
California
Working on an assignment where there is a wood stove and patio cover done without permits (which was disclosed by the seller in writing). Would FHA require permits for these items? Should I require permits as part of the appraisal? Any help would be appreciated. These items LOOK well done and professional.

Thanks
Bruce M
 
Joined
Jan 13, 2002
Professional Status
Retired Appraiser
State
Florida
I don't know. :?

My guess is that you don't want to require a permit but you might want to require a compliance inspection by the locals.

Anyone else know the answer :?:
 

Mountain Man

Elite Member
Joined
Jan 15, 2002
Professional Status
Certified General Appraiser
State
Georgia
I do not know of any FHA requirements that deal with building permits. That is a local issue that varies from municipality to municipality. In my county, you don't have to have a building permit for improvements if the total cost is less than $5,000. But in Macon, GA, you have got to have a permit just to replace the carpet!!! :roll: If there is any doubt in your mind about the structural integrity, which you said there is not in your post, I would say check VC-11 with an explanation and structural inspection requirement. Otherwise, I see it is a contract issue between the buyer and seller.
Am I wrong? Any other opinions :?:
Mell.
 

Richard Carlsen

Elite Member
Joined
Jan 15, 2002
Professional Status
Licensed Appraiser
State
Michigan
If you know that the items were constructed without proper inspection in a coded area, you have an obligation to call for an inspection of the items to ensure that they comply with code. Make you report subject to this inspection and let them do it. If you had not been told that there were no permits pulled, then you would have no obligation to research it.

But, you do know and the fact that there were no permits drawn and no inspections made is material to market value. Therefore, you have to address it in your report. Your client has to be told what you know about the property. Tell them and let them figure out what to do about it.

Richard Carlsen
 

Mountain Man

Elite Member
Joined
Jan 15, 2002
Professional Status
Certified General Appraiser
State
Georgia
Thanks Bruce,
That makes it clear. That is kinda what I thought.
Mell.
 
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