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assurance of a continuing adequate supply of safe potable water for domestic needs, and shall also include auxiliary uses for lawn and garden maintenance.

c.

The appraiser is responsible to ensure that certifications of water quality and quantity are provided to the lender for proper processing and determination of final acceptability.  As such, the appraiser should condition his/her appraisal for the appropriate Health Authority approval and pump test.

2.

Water Quality Mortgagee Letter 95-34.

a.

Individual water wells are owned and maintained by the homeowner, and are subject to compliance with all requirements of the local and or State Health Authority having jurisdiction.  

b.

HUD testing requirements, as stated in Mortgagee Letter 95-34, are the minimum standards acceptable for FHA insured mortgages.  This includes at a minimum lead, (first flush) nitrate,  nitrite, total nitrate/nitrite, total coliforms, and fecal coliforms or E.coli.  If state and local agencies impose additional standards, they too must be met.

     c.     All test sample should be taken by a state-certified private laboratory or their   

     designee in accordance with the State drinking water regulations.

3.

Well Location - Individual water supply systems (wells) should be checked to  

establish the distance from the septic system. The Appraiser’s site sketch should indicate approximate location of individual  

systems and leach fields.  See the section of this manual titled Appraisal Package

a.

A well located within the foundation walls of a dwelling is not acceptable except in arctic or sub-arctic regions.

b.

Water which comes from any soil formation which may be polluted, contaminated, fissured, creviced or less than 20 ft. below the natural ground surface is not acceptable, unless acceptable to the local health authority.  Certification of such is required in the insuring package.

c.

Individual water supply systems are not acceptable for individual lots in areas where chemical soil poisoning has been or is practiced if the overburden of soil between the ground surface and the water bearing strata is coarse grained sand, gravel, or porous rock, or is creviced in a manner which will permit the recharge water to carry the toxicants into the zone of saturation.

d.

The following shall be used in establishing the minimum acceptable distance between wells and sources of pollution located on either the same or adjoining lots.  These distances may be increased by either the health authority having jurisdiction or HUD.  

Distance From Source of Pollution

-----------------------------------------------------------------------------------------------------

Source of pollution                                                       Minimum horizontal

(i)

distance (feet)

    ------------------------------------------------------------------------------------------------------

Property Line.........................................…….…………….………… 10      

Septic Tank.................................…………….………………….…… 50      

Absorption Field.......................……………..………(SUP1)……….100      

Seepage Pit.........................…………………………(SUP1)……….100      

Absorption Bed..........................…………………….(SUP1)……….100      

Copy Printed: REVISION  I

   02/16/0223       Revision Effective:  05-30-00

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