Urgent** Addition with no crawl space enclosure not manufactured

[NC Appraising]

I will say, FHA has some gray language for site built and manufactured homes.

Site built:
l. Crawl Space Observation Requirements (02/16/2021)The Appraiser must visually observe areas of the crawl space and notify the Mortgagee of the deficiency of MPR and MPS when the crawl space does not satisfy any of the following criteria: • The floor joists must be sufficiently above ground level to provide access for maintaining and repairing ductwork and plumbing.• If the crawl space contains any system components, the minimum required vertical clearance is 18 inches between grade and the bottom of the floor joists.• The crawl space must be properly vented unless the area is mechanically conditioned.• The crawl space must be free of trash, debris, and vermin.• The crawl space must not be excessively damp and must not have any water pooling. If moisture problems are evident, a vapor barrier and/or prevention of water infiltration must be required.If there is evidence of a deficient condition, the Appraiser must report this condition and render the appraisal subject to inspection and repairs, if necessary.In cases where access through a scuttle is limited, and the Appraiser cannot fully enter the crawl space, the insertion of at least the head and shoulders of the Appraiser will suffice. If there is no access to the crawl space but there is evidence of a deficient condition (such as water-stained subflooring or smell of mold), the Appraiser must report this condition and the Mortgagee must have a qualified third party perform an inspection.If there is no access, the Appraiser must report the lack of accessibility to the area in the appraisal report. There is no requirement to cut open walls, ceilings or floors.Not all houses (especially historic houses) with a vacant area beneath the flooring are considered to have a crawl space; it may be an intentional void, with no mechanical systems and no intention or reason for access

 

[NC Appraising]

Manufactured homes:
ORIGINATION THROUGH POST-CLOSING/ENDORSEMENTD.
Appraiser and Property Requirements for Title II Forward and Reverse Mortgages5. Property Acceptability Criteria for Manufactured Housing for Title II Insured MortgagesHandbook 4000.1 615Last Revised: 06/29/2022attached to the side of the Structure, extending to the ground (generally, not installed below frost depth). StandardThe space beneath Manufactured Homes must be properly enclosed. The perimeter enclosure must be a continuous wall that is adequately secured to the perimeter of the unit and allows for proper ventilation of the crawl space. Skirting, when applicable, must extend from the bottom of the Manufactured Home to the permanent foundation, or to the perimeter enclosure, whichever is appropriate for the situation. This skirting must be permanently affixed to both the Manufactured Home and the foundation or perimeter enclosure, as appropriate. Required Analysis and ReportingThe Appraiser must notify the Mortgagee and report a deficiency of MPR or MPS if the Manufactured Housing unit is not properly enclosed or the skirting is not properly affixed and/or is not serving its intended purpose. The Appraiser must call for repairs or further inspection, when warranted

 

[NC Appraising]

Tulsa can get below zero in winter. I wonder if there is a permit for the addition and if any plans were filed. I doubt a code would allow for it to be open.

You dont have any those in your neck of the woods?

In my neck of the woods it is usually a basement home and off the back of the home on the first floor there is a sunroom addition or a conversion.

Some are built new like that, some are permitted some are not (rural areas..)

You can walk under them, as they are typically 7-10 high. They have floor insulation. Most put plywood at the bottom of the floor joists. Some put lattice skirting.

 

[NC Appraising]

FWIW,

Cal your local HOC. They are pretty fast to respond.

 

[Terrel L. Shields]

You dont have any those in your neck of the woods?

You find them south in Texas and Louisiana. Rare indeed in our area.

The only ones I recall are along a river and are elevated on stilts for flood protection. And these are rare in the Ozarks. A high percentage of our houses are built on slab foundations.

 

[Meandering]

International building code - generally accepted and/pr referenced in many areas.

CHAPTER 18 SOILS AND FOUNDATIONS - 2021 INTERNATIONAL BUILDING CODE (IBC)

ICC Digital Codes is the largest provider of model codes, custom codes and standards used worldwide to construct safe, sustainable, affordable and resilient structures.

codes.iccsafe.org

The concrete support of the foundation posts, seem to be sitting on the surface, not below the frost line, so are they sitting on solid rock?

An engineering cert should probably be requested by the appraiser.

.

 

[NC Appraising]

International building code - generally accepted and/pr referenced in many areas.

View attachment 78182

CHAPTER 18 SOILS AND FOUNDATIONS - 2021 INTERNATIONAL BUILDING CODE (IBC)

ICC Digital Codes is the largest provider of model codes, custom codes and standards used worldwide to construct safe, sustainable, affordable and resilient structures.

codes.iccsafe.org

The concrete support of the foundation posts, seem to be sitting on the surface, not below the frost line, so are they sitting on solid rock?

An engineering cert should probably be requested by the appraiser.

.

I second that.

The issue appears with the poor workmanship of the foundation...

The skirting is the least amount of worries.

 

[Flakey]

poor workmanship of the foundation...

Probably a good indicator for the rest of the addition you cannot see (studs, joists, rafters, electric, plumbing).

 

[Sadie]

Hello, I have an urgent need on an appraisal. I appraised a house in Tulsa, OK for FHA. This house has a new additional that is well built, but does not have an enclosure around the crawl space.

Just completely open under that part of the house. The older part of the house has crawl space and crawl space access.

I can' find anything from FHA on this.

I'll include a photo to show what I'm talking about. What do I do on this one? Require foundation inspection? I've never run into this before on an FHA appraisal.

Thank you
View attachment 78120 View attachment 78121


View attachment 78122


What do I do about this if anything at all?

Check your local building codes, FHA typically defres to them.

 

[sputnam]

Enclosed crawl spaces probably aren't a requirement in your local building code.... but, you will need to check.