Moses Lake, Real Estate
This is how the story goes….. There was this manufactured home (1978) on this lot in a small little town. The man in this little manufactured home decided to build a shop on the second lot he had next to the little manufactured home. So he did in this little town of 200 people.
He died in that shop as he was building it and the shop passed to new owners who finished the work off inside. In this little shop they decided to use half of the shop and enclose it and make it a place to live with a bathroom 3 bedrooms downstairs, a bedroom upstairs and a kitchen downstairs. It was a quaint cozy little place that fit perfectly for a couple and their 2 little children. So in 2002 this couple bought this shop on a real estate contract by a for sale by owner.
Seven years and one divorce later this single mom of 2 decides to sell her shop that she had been living in to move closer to town. A perfect buyer comes along who is handy and plans to finsih up the little things around the shop that still need to be done. Inspection goes well and now it’s time for financing and appraisal. This is where the brakes come on! The appraiser calls the county and the county says we don’t have any permits for that shop. RED FLAG!
The appraiser stops there calls the bank and says there is no point in finishing this appraisal. There are no permits. So the agent calls the county and the county tells her the same thing and then the county said “I don’t think we were under contract of said small town to do the permitting at that time, you might want to call this small town of 200 and see if they have records of the permit.”
So the agent then called the clerk of this small town and the clerk said, “oh we might have the records but I only work 9 a.m. -12 p.m. three days a week and only the first 10 days of the month. I will look through the boxes of what we have but I don’t know if our records go back that far. You might want to call whoever was the mayor at that time to see if he remembers permitting it.
“Ma’am it’s not going to matter to me if he remembers it or not I need a paper record of the permit for the appriaser.” “Well I’ll see what I can do but I’m not expecting too much. I think our boxes only go back to 1998.”
So here the single mom of 2 sits seemingly stuck in this shop that no one can find permits for without a way for a bank to finance it. Where to go from here? And why did the appriaser stop at the first road block and not dig further?
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