Permanent Heat Source in Bathroom?

[ATNA]

Hi all,
Could use some feedback on the subject. I'm appraising an older home for an RD purchase which must follow FHA guidelines. The dwelling has been completely renovated but the seller never installed a heat source to the second floor. The second floor contains three bedrooms and a full bath. I understand the requirement to install heat to each bedroom, but will the bath require its own permanent heat source? I'm up in New Hampshire, so we get very cold winters and I understand the verbiage about maintaining at least 50 degrees in a finished space. So should one be installed or not? The bath has an exterior wall and is in between two of the bedrooms.

 

[glenn walker]

Hi all,
Could use some feedback on the subject. I'm appraising an older home for an RD purchase which must follow FHA guidelines. The dwelling has been completely renovated but the seller never installed a heat source to the second floor. The second floor contains three bedrooms and a full bath. I understand the requirement to install heat to each bedroom, but will the bath require its own permanent heat source? I'm up in New Hampshire, so we get very cold winters and I understand the verbiage about maintaining at least 50 degrees in a finished space. So should one be installed or not? The bath has an exterior wall and is in between two of the bedrooms.

Not a bathroom unless someone is living in it

 

[ATNA]

Well, just heard back from the lender and the underwriter provided this. It is their interpretation that the bathroom needs a permanent heat source.

 

[CCAAMO]

Well, just heard back from the lender and the underwriter provided this. It is their interpretation that the bathroom needs a permanent heat source.
View attachment 71509

The fist line covers what you are asking. Whatever the heating source it needs to be able to heat the home to a minimum of 50 degrees. My understanding has always been that it would be based on all interior doors being opened. You do not need a heater in each room. So question #1 is the heater on the first floor capable of heating both floors to 50 degrees, it not you need a second heater on the 2nd floor. The are many homes with a tall boy in the living room and vent to the hallway only and they qualify for FHA

 

[glenn walker]

Correct in homes I grew up as a kid many had a Wall Heaters in the hallway, no forced heat or air and no vents in the bedroom or baths. The baths in the fifties and sixties often had small electric coil heaters in a bathroom wall but did not work well. Anyway I have been doing FHA for 35 plus years and never called out for a bathroom heater and there is nothing in any FHA handbook in including 4000.1 about it. Its the Living areas that need heat but it does not have to be vented, it may be wall heaters. FHA allow the wood stoves and heaters we have in Mountain Cabin sty;e homes but they do not heat the bathroom. LOL

 

[CGinMN]

If that is the DE Underwriter's interpretation then don't fight it and just make the appraisal subject to a heat source in the bathroom.

 

[glenn walker]

If that is the DE Underwriter's interpretation then don't fight it and just make the appraisal subject to a heat source in the bathroom.

Thats true She made the call and just do it and be done. If someone complains tell them it was a Lender stip LMAO

 

[ATNA]

Not a bathroom unless someone is living in it

Living Area is a vague term when it relates to this. We live in the whole house. I agree with some of the old posts, if the room has a door (or closed off) it must have a heat source. If it's an open span area, then one heat source with enough BTU's would suffice. And well, if the underwriter wants it, why fight it.

 

[TerryRohrer]

Hi all,
Could use some feedback on the subject. I'm appraising an older home for an RD purchase which must follow FHA guidelines. The dwelling has been completely renovated but the seller never installed a heat source to the second floor. The second floor contains three bedrooms and a full bath. I understand the requirement to install heat to each bedroom, but will the bath require its own permanent heat source? I'm up in New Hampshire, so we get very cold winters and I understand the verbiage about maintaining at least 50 degrees in a finished space. So should one be installed or not? The bath has an exterior wall and is in between two of the bedrooms.

I would call it out regardless of popular opinion. Make your report subject to inspection by HVAC pro.

 

[CCAAMO]

I've done some in the mountains where I was not sure that the wood stove, etc. was adequate to heat both floors. I just made the appraisal subject to a licensed plumbing and heating contractor certifying that the heating source was adequate to heat the living areas according to FHA guidelines. When in doubt let the trained professionals in those areas make the determination.