All Forum Posts by: Jason Crowe

Any appraisers in Florida want to comment around the jax and saint johns area

How could an appraiser value a property 120k exact below what the assessed value on tax records tax it at?  Please post as there is nothing significantly wrong with the property.  two structures of 1550 square feet total and land valued at 200k alone on records.  How bad is this?

Structurally how could you connect a detached garage with a mother suite to single family structure in front to mitigate the additional interest rate due to the type of loan you have to have given this situation.

Creating a breezeway to connect the two if touching does that suffice given fannie guidelines? If considered completely seperate?

Break away given it is block walls wouldn't be the best solution given the costs. Engineered spaced holes would be more cost economical.  Have an engineer/architect looking into it now.

Flood Mitigation Structural Adjustment

The house is in a flood AE zone.  The bottom half can be engineered someway to allow water flow and the back unit would be eligible to not have to have insurance or in a loan situation premium to be alot more reasonable.

also what i read from fema that the only reason why they determine base flood elevation of where its at is due to water not able to flow through walls of garage.  Wanted to know what could be done as at least insurance would be way cheaper.

thank you.  so what did your engineer do?  Do you have a loan on that property im assuming?  But if you are out of the flood plain and above what municipal or ordinances require do you still have to have the insurance per mortgagor?  I thought this may alleviate that requirement.

what can you do with a detached garage with a living space up top to avoid flood insurance given the garage is below. How do you make is flood proof as they say in FEMA to not need flood insurance. Its a brick garage not going anywhere but has three walls and a garage door. What is the best and most cost economical solution?

Can I find a mortgage officer who actually knows how this works and renovation loans? I find many that say they know but then really do not or they don't do them or know how they work. In addition the designation of ADU and how it works.

Please let me know asap as I need someone who knows what their talking about and if an adu can be seperate from the the other structure detached that is.  Please contact me send me a message.