Bringing a House to Market when it's not just Black & White . . Part 2

Real Estate Agent with RE/MAX Professionals, CT 203-206-0754 REB.0759001

Tracing the Building Permits

In Part 1 the house had an addition added that still had open issues with the town;s records. The quest was to find records of the building permits having been pulled and that all necessary inspections had been completed, and maybe just a clerical error was the cause for the confusion. I first went to the assessors office to get a full field card from the files. Then to the town clerks office to get a copy of the property map.

No clues here so the building inspector's office was next. It should be noted that any work to be done on a home after initial construction requires a permit from the building inspector. This is not just a method of getting a permit fee, but more importantly, it's the mechanism that assures the homeowner and any subsequent owners that any work that is done to the home is done properly and satisfies all local ordinances and building codes. A homeowner can pull a permit for almost anything on the house, and once obtained, an inspector has an open invitation to do a site review of the home to inspect the job. If not done to code, then it must be repaired before the permit is signed off.

With my listing, if an appraiser for a bank had noticed the discrepancy in the records just as I had, then the bank would not issue the mortgage, and the process would be delayed until the discrepancy is resolved. It would be almost impossibleto get a sale on t my listing with open issues. Fortunately, the permits had been taken for the addition, but there were no records of a final inspection. As the building inspector was unavaliable the first time I went, I made an appointment to meet with him on the next available day.

When I did meet with the inspector, there were some partial notes, but final inspection had not been resolved. So a visit by this office was required. While discussing this permit, the building inspector also noted that there was no mention on the permit with regards to the septic expansion, which would also need to be resolved. This would necessitate a trip to the regional authority to pull the files on the home and trace the septic system as well.

Part 3 will be the Building inspectors results and the visit to the sanitary district. 

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Allison Stewart
St.Cloud Homes - Saint Cloud, FL
St. Cloud Fl Realtor, Osceola County Real Estate 407-616-9904

Ed- It seems the more we dig, the deeper the mud becomes.

Aug 15, 2009 10:49 PM #1
George Souto
George Souto NMLS #65149 FHA, CHFA, VA Mortgages - Middletown, CT
Your Connecticut Mortgage Expert

Ed, you are doing a good job in showing in this series how obstacles can be created later on, when things are not do right from the beginning.

Aug 16, 2009 12:26 PM #2
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