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VA MINIMUM PROPERTY REQUIREMENTS (MPR’s) (MPR’s)
Constraints and Perspective
VA has no specific property constraints
regarding dwelling size, room counts, quality of construction or repair of
specific code violations.
MPR’s for Existing
and New Construction
♦ Property Access
Access to the Site: Each property must have access
from a public or private street. The street must have an all-weather surface.
Private streets must be protected by permanent easement and
maintained by an HOA or joint maintenance agreement.
Access to the Unit and Rear Yard: The unit
must have access without passing through another unit. Each living unit must be
able to be used and maintained individually without trespass upon adjoining
properties. Required easements must run with the land.
Rear yard must have access without passing through any other
living unit. For a row-type dwelling, the access may be by means of alley,
easement, passage through the dwelling, or other acceptable means.
Access for Wall Maintenance: There must be adequate space
between buildings to permit maintenance of the exterior walls.
Entity: The property must be a single, readily marketable
real estate entity.
Use: The use must be primarily residential. If a portion
of the property has non-residential use, it must not impair the residential
character of the property or exceed 25% of the total gross floor area. Provide
total square feet of commercial use and total square feet of residential use.
Living Area and Facilities: Each unit must have sanitary
facilities and enough space to assure suitable living, sleeping, cooking and
Laundry, storage, heating and other facilities may be shared
in 2-4 unit buildings.
Utilities: Utilities (water, sewer, gas,
electricity) must be independent for each unit. Several units under one
ownership may share utilities if there are separate shutoffs.
Individual utilities must not cross another unit unless there is permanent
legal right of access for repair and maintenance
Units under separate ownership may share common utilities
(such as shared well) provided that the connections are protected by easement
or covenant and (that) there is an acceptable maintenance agreement.
Mechanical Systems: Mechanical systems must be
safe to operate, be protected from destructive elements, be of adequate
capacity and quality, and have reasonable future utility.
Heat: Heat must be adequate for healthful and comfortable
living conditions. If wood- burning stove is primary heat source then there
must also be a conventional system that will maintain at least a 50 degree
temperature in the plumbing areas.
If Solar system is primary heat/hot water source then there
must be a “backup” system which will provide equivalent (100%) utility.
Unvented space heaters or fireplace: Provide
detailed comments on Unvented Space Heaters that use liquid or gaseous fuel, or
any Unvented Fireplace. There are additional requirements (not part of the
appraisal) that must be added to the Value Notice by VA or the LAPP Lender.
Electricity: Each unit must have adequate
electricity for lighting and necessary equipment.
Water and Wells: Each unit must have a
continuing supply of potable (drinkable) water along with domestic hot water.
Connection to public water is required whenever feasible.
Water quality from an individual water supply must meet the
requirements of the local health authority. If no local health authority then
EPA guidelines apply. Water must be potable from the source, independent of any
individual treatment system.
A shared well must be capable of producing adequate water for
each property simultaneously. There must be a permanent easement to allow
access for maintenance and repair. There must be a recorded well-sharing
agreement which provides for repair and maintenance of the system.
A Community Well must be sufficient for the project and water
quality must be approved by local or State Health Officials.
Health department approved cisterns will be accepted when
public water is not available and when safe, potable water cannot be obtained
from drilled wells.
Sanitary Facilities, Sewage and Septic: Each unit
must have sanitary facilities and a safe method of sewage disposal. Connection
to public sewer is required whenever feasible.
Individual and Community sewage disposal systems must operate
properly. Pit privies are permitted where they are customary and are the only feasible means of disposal. They must be installed in a
manner recommended by the local health authority. If there are no local health
authority requirements then U.S. Public Health Service requirements apply.
Roof: The roof must prevent the entrance of moisture and
have at least five years remaining useful life. All old shingles must be
removed if a defective roof has three or more layers.
Ventilation: There must be sufficient
natural ventilation in areas such as attics and crawl spaces to minimize the
effects of excess heat and moisture.
Crawl Space: The crawl space must have
adequate access, be properly vented and clear of all debris. Excessive dampness
or ponding of water must be corrected.
Floor joists must be high enough to allow access for
maintenance and repairs of ductwork and plumbing.
Party Walls: A party wall constructed at
the property line must extend the full height of the building (foundation to
roof ridge). The wall may separate semi-detached or row units.
Site: The site must be properly graded to provide
positive drainage (away from the dwelling), and to prevent water from ponding.
Ground cover must be stabilized to prevent erosion.
Improvements: Any condition impairing the
safety, sanitation or structural soundness of the property must be corrected so
that the probability of further damage is eliminated.
Some of these conditions include defective construction, poor
workmanship, excessive dampness, leakage, decay, evidence of continuing
settlement, and termites.
Specific examples of common problems include rotted exterior
wood trim, peeling paint, roof leaks, broken windows, plumbing leaks and
exposed electric wiring.
Other examples include damage caused by infestation, fungus
growth or dry rot.
Lead-Based and Defective Paint: Defective paint (cracking,
scaling, peeling, chipping or loose) on homes built prior to 1978 will be
considered lead based and must be corrected. Defective paint on homes built
after 1978 should be corrected only if it poses a threat to the security of the
of the improvements.
♦ Other Hazards
Onsite: The property must be free of hazards (such as
subsidence or flood or erosion problems) which may adversely affect the health
and safety of the occupants, the structural soundness of the improvements, or
which may impair the customary use and enjoyment of the property by the
Offsite: High Voltage Electric Transmission Lines and Gas and
Petroleum Pipelines: The dwelling structure must be located outside of the
easement area(s). Other onsite improvements can be located in the easement
area(s). If a Proposed Construction Dwelling is located outside the Pipeline
easement but less than 220 yards away from the centerline, additional
MPR’s for Proposed
♦ Building Codes
All State, County or Local Building Codes apply. If there are
none, then VA MPR's are the applicable provisions of the current CABO One and
Two Family Dwelling Code.
The 1992 CABO Model Energy Code applies either way.
References and Publications
Include as applicable HUD engineering bulletins and releases
concerning construction or
materials that have been reviewed and found suitable by HUD,
and The Standards and Practices recommended in HUD Handbooks:
4140.1 – Land Planning Principles for Home Mortgage
4140.2 - Land Planning Procedures and Data for
Insurance for Home Mortgage
4140.3 – Land Planning Data Sheet Handbook