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Additional Room on top of septic tank

Also a four point inspection was done on the home what does that include. Can any of the previous owners be held responsible. It was also a FHA loan so they also had someone come do an inspection. Was a septic inspection something we were responsible for
  • September 15 2012 - West Palm Beach
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Answers (6)

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  • September 21 2012
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  • September 15 2012
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To clarify my post: My lender on our FHA section 184 loan is requiring a septic system inspection here in OK. 

From someone who has had a couple of septic related issues in homes, most septic inspections are a joke. Unless an inspector opens the lid and pumps the system, he can miss many of the issues that could arise. Even with that, many issues could still come up.
  • September 15 2012
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In most cases, REO's are sold "as is", with an option for buyer to get out of the contract within x number of days; else, one could buy an REO with air for foundation and there is nothing legally a buyer can do about it.

When banks say "as is" in the purchase agreement, they really mean it.

Buyer is responsible for getting whatever inspection needs to happen before purchase. As i say in most of my posts here, hiring a knowledgeable lawyer BEFORE a transaction happens can save money many times over than what the lawyer would have charged.

You can still consult a lawyer who can review your purchase agreement and see what the bank's responsibility was.

Raheel Shahzad, Attorney, CPA, Real Estate Attorney
Chicago, IL


 
  • September 15 2012
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I am not sure what the laws in FL are about septic. In Virginia you need an inspection of the septic to close, here in NC you do not so laws vary. I assume you had a real estate agent working with you, they should have given some advice about this. Unless you have something from the county health dept, or a survey with the septic on it, there is no way to know for sure sometimes where the lines and tank are under the ground. When selling a house I always try and obtain a septic site survey from the health dept to see where it is and that it is what the seller says it is. I have run into 4 and 5 bedroom homes with a 3 bedroom septic system many times. Using a Realtor with some experience helps with things like this.

Since you bought it from the bank you are not likely going to be able to blame them and you sure can't blame the original owner since they didn't sell it to you at all. I don't think the FHA inspector checks septic, that would have been up to you.

Tim
  • September 15 2012
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Homes with a septic system should require a septic system inspection. I am currently under contract on a bank owned home with septic, and an inspection is required.
  • September 15 2012
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