ADA governs PUBLIC ACCOMMODATIONS.

The general public and local politicians have little regard for protecting this once prestine natural ressource: the storm sewer overflow issue is without a solution in sight (passing a law to allow the municipal waste water plant to dump raw residential and light industrial sewage into the lake 6 times a year would be political suicide in Europe, just saying) and the DNR recommends to limit fish consumption to once per month, just to keep your mercury intake down a bit..

I know that there is the potential for commercial zoning/usage but (at least per the listing and public record) it looks like it's just zoned agricultural. 

Well there seems to be no (for the common good of the American Public) need for this, vs. there is a need for credit scores.So given that, you'd have to wonder what and how it would be used, and what measures would the government take to block it.To me it seems predatory on the American People.

As a resident, you are taxed on income from all sources .2015 Publication 1031 -- Guidelines for Determining Resident Statushttps://www.ftb.ca.gov/forms/2015/15_1031.pdf

This bank merged with UCB and the UCB bank isn't as (publicly) transparent on their lending requirements, but they are similar. 

She informed me that the owner of this house has had a fairly public discord with the HOA, who has recently withdrawn a claim to the property.

Matt,See IRS publication - https://www.irs.gov/taxtopics/tc701"If you have a capital gain from the sale of your main home, you may qualify to exclude up to $250,000 of that gain from your income, or up to $500,000 of that gain if you file a joint return with your spouse.

Can anyone refer me to an IRS publication that addresses this?

Im in Las Vegas too, might be able to give you a recommendation privately, not sure if thats allowed on here publicly!