Purchasing a waterfront property comes with its own unique set of challenges, especially if you’re unfamiliar with the process. One of the main ways waterfront properties differ from traditional properties is in the inspection. We’ve written about what to look for in a home inspection before, but there are a few additional things you need to look out for when purchasing waterfront properties. Below are key areas to pay attention to during a waterfront property inspection to protect your investment and avoid costly surprises down the road.
The Foundation
The foundation of a home is an integral part of any home inspection. Damage to the foundation could indicate problems relating to the waterfront.
- Cracks: Cracks in the foundation could be a sign of water erosion or shifting soil.
- Moisture damage: Excess moisture can cause mold, rust, and wood rot.
- Seawalls & retaining walls: Be sure to have the condition of the seawalls or retaining walls inspected, as damaged walls can lead to problems over time.
Water Access
Access to water is part of the appeal of a waterfront property, so you’ll want to make sure everything is up-to-code before purchasing.
- Dock & boathouse condition: If the property has a dock and/or boathouse, inspect them for signs of rust, rot, or structural instability.
- Water depth: If you plan to dock a boat, you’ll need to ensure the water is deep enough.
- Shoreline condition: The shoreline should be inspected for erosion to ensure the land and structures near it are stable.
- Plumbing: The plumbing system should be inspected for leaks and signs of deterioration. Pipes that are exposed to the elements could be in worse shape and may need to be replaced sooner than expected.
Water Quality
Clean and clear water is ideal for swimming, boating, fishing, and other recreational water activities. If the quality of the water is subpar or even polluted, it will affect both the value of the home and your enjoyment of it significantly.
- Water quality check: Hire a professional to analyze the water for harmful bacteria or pollutants. You may also be able to get water quality reports from your city.
- Water source: Many waterfront properties are located in rural areas and are therefore on a well system. The well should be inspected and in good working order.
Flood Risk & Drainage
Properties near bodies of water are more susceptible to damage from floods and should be inspected accordingly.
- Flood risk: Check a flood map to see if the property is in a high-risk zone for floods.
- Drainage: Ensure the property has a properly functioning drainage system that directs water away from the home.
Environmental Considerations
Many waterfront properties are located in ecologically sensitive areas that could alter or affect your future plans.
- Protected wildlife: There may be local wildlife regulations that affect your property use. This could affect future building plans, modifications, or zoning.
- Environmental regulations: Certain environmental regulations may be in place in the area. You’ll want to make sure the property adheres to these regulations in order to avoid fines and legal issues.
The Exterior
Any home inspection should include the exterior of the home, including the roof. However, waterfront properties are often exposed to harsher conditions. Certain signs of damage should be taken into consideration.
- The roof: The roof should be inspected for damaged or missing shingles and leaks. It’s also important that the roof is able to withstand heavy snow and rain, as rural areas are especially prone to this type of weather.
- Exterior: The exterior of the home should be examined for cracks and structural issues. Carefully look for signs of water damage. The home should also be well protected against the elements.
Pest Inspections
Waterfront properties can be susceptible to pests and wildlife that could be damaging.
- Wildlife & pests: Certain animals, such as mice, squirrels, and chipmunks, may take up residence in your cottage during the winter months. Check that the property is well sealed and there are no large openings for these critters.
Mold
Finding mold in an inspection is an issue for any home, but cottages by the water are often at higher risk for water and mold damage.
- Mold and mildew: During the inspection of the home, keep your eyes peeled for mold and mildew. Certain areas that are especially susceptible are the basement, attic, and water entry points.
A waterfront property inspection may have more complex considerations than a standard home inspection, but with the right knowledge, tools, and help, you can ensure that the property you purchase will be safe to enjoy for years to come.
