Praful Thakkar, Andover, MA: Andover Luxury Homes For Sale (LAER Realty Partners)

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Rainmaker
1,439,141
Ryan Huggins - Thousand Oaks, CA
https://HugginsHomes.com - Thousand Oaks, CA
Residential Real Estate and Investment Properties

Natural hazard disclosure during escrow.

Apr 07, 2018 04:27 PM
Rainmaker
1,053,383
John Juarez
The Medford Real Estate Team - Fremont, CA
ePRO, SRES, GRI, PMN

In California, it is a legal requirement that a seller provide a Natural Hazard Disclosure Report to a buyer. We use companies who specialize in preparing such reports to meet that requirement. Those reports show flood zones, earthquake zones, landslide zones and more.

Apr 07, 2018 04:07 PM
Rainmaker
1,009,038
Diana Zaccaro Broker Associate
Tropical Beachside brokered by eXp - Cocoa Beach, FL
"The Accidental Blogger" Cocoa Beach, Florida

Praful Thakkar 

The FEMA maps are not current...still show data from March 2014 but they were redrawn after Irma so not accurate.

I call local independent insurance agents instead,

 

Apr 07, 2018 04:06 PM
Rainmaker
955,191
Candice A. Donofrio
Next Wave RE Investments LLC Bullhead City AZ Commercial RE Broker - Fort Mohave, AZ
928-201-4BHC (4242) call/text

Our GIS has a wonderful interface with County Flood Control and FEMA Maps. Also via ESRI and STDB which are CCIM tools I can get a flood map. And if there's any doubt we can actually call flood control and confirm the flood plain determination.

Apr 07, 2018 03:59 PM
Rainmaker
2,204,195
Anthony Acosta - ALLATLANTACONDOS.COM
Harry Norman, REALTORS® - Atlanta, GA
Associate Broker

I have an insurance agent in my office that can identify the flood zones if need it.

Apr 07, 2018 03:57 PM
Rainmaker
4,304,646
Michael Jacobs
Pasadena, CA
Los Angeles Pasadena 818.516.4393

It depends. On who is asking. I tend to "cite the source".

Apr 07, 2018 11:49 AM
Rainmaker
1,231,636
Mary Yonkers
Alan Kells School of Real Estate/Howard Hanna Real Estate - Erie, PA
Erie/PA Real Estate Instructor

Check with the local municipality.  In my area the maps were redrawn recently.

Apr 07, 2018 04:58 PM
Rainmaker
2,700,465
Richie Alan Naggar
people first...then business Ran Right Realty - Riverside, CA
agent & author

Tax bill indicates as does the city or county web sites...

Apr 07, 2018 04:02 PM
Ambassador
3,174,924
Kathleen Daniels, Probate & Trust Specialist
KD Realty - 408.972.1822 - San Jose, CA
Probate Real Estate

My lending partner is a great resource.  They are smarter than smart and they know what they are doing. They always to source for verification and validation. 

Apr 07, 2018 02:44 PM
Rainmaker
5,581,328
Barbara Todaro
RE/MAX Executive Realty - Happily Retired - Franklin, MA
Previously Affiliated with The Todaro Team

the listing agent should have the info....flood insurance is very expensive and it needs to be disclosed.... the owner knows if it is or is not.... 

Apr 07, 2018 02:43 PM
Rainmaker
854,662
Olga Simoncelli
Veritas Prime, LLC dba Veritas Prime Real Estate - New Fairfield, CT
CONSULTANT, Real Estate Services & Risk Management

There are flood maps; can't answer for insurance companies. 

Apr 07, 2018 02:23 PM
Ambassador
2,613,103
Fred Griffin Florida Real Estate
Fred Griffin Real Estate - Tallahassee, FL
Licensed Florida Real Estate Broker

     Leon County Growth Management.   But the insurance company makes the final call.

Apr 07, 2018 02:12 PM
Rainmaker
1,775,547
Lyn Sims
Schaumburg, IL
Real Estate Agent Retired

Flood maps are all over online.

Apr 08, 2018 05:26 AM
Ambassador
4,622,755
Debe Maxwell, CRS
www.iCharlotteHomes.com | The Maxwell House Group | RE/MAX Executive | (704) 491-3310 - Charlotte, NC
The right Charlotte REALTOR!

We used to have a great website where we could locate that information but, since our maps have been re-drawn, I go directly to the city as the online maps are no longer accurate. After 5-7 years, you'd think they'd be though!

Apr 07, 2018 08:18 PM
Ambassador
5,824,274
Bob Crane
Woodland Management Service / Woodland Real Estate, KW Diversified - Stevens Point, WI
Forestland Experts! 715-204-9671

The maps here are very clear, and the lenders always double check.

Apr 07, 2018 06:10 PM
Rainmaker
516,974
Dan Tabit
Keller Williams Bellevue - Sammamish, WA

I use our MLS site which links to county resources.  I don't assume them to be 100% accurate, but I assume they are if it indicates a flood zone is present.  Lenders charge a fee for a Flood Certification prior to approval. I haven't been surprised by an unexpected finding yet. 

Apr 07, 2018 05:27 PM
Ambassador
4,026,965
Paul S. Henderson, REALTOR®, CRS
Fathom Realty Washington LLC - Tacoma, WA
South Puget Sound Washington Agent/Broker!

I use core logic

Apr 07, 2018 01:54 PM
Rainmaker
4,631,439
Wayne Martin
Wayne M Martin - Chicago, IL
Real Estate Broker - Retired

Check online and leave the determination to the lender if in doubt.

Apr 07, 2018 01:28 PM
Rainmaker
7,126,060
Roy Kelley
Retired - Gaithersburg, MD

I like the answer by Ken Jones, ASA, SCGREA, CRES

Apr 07, 2018 01:08 PM
Rainmaker
538,526
Greg Cremia
Shore Realty of the Outer Banks - Nags Head, NC

In the end, it is up to the the asset manager to make the determination. We have had them require flood insurance for a house in an X Zone, where no flood insurance is required, simply because there was an AE zone in the same panel on the FEMA map. So those FEMA maps are accuarate, but not always for insurance requirements.

Apr 07, 2018 12:58 PM
Rainmaker
1,190,869
Sam Shueh
(408) 425-1601 - San Jose, CA
mba, cdpe, reopro, pe

insurance or NHD rpt

 

Apr 07, 2018 12:43 PM
Rainmaker
5,768,742
Ron and Alexandra Seigel
Napa Consultants - Carpinteria, CA
Luxury Real Estate Branding, Marketing & Strategy

Praful,

I agree with Michael Jacobs 

Apr 07, 2018 12:40 PM
Ambassador
2,118,449
Silvia Dukes PA, Broker Associate, CRS, CIPS, SRES
Tropic Shores Realty - Ich spreche Deutsch! - Spring Hill, FL
Florida Waterfront and Country Club Living

I use IMAPP, it does indicate the flood zone designation for individual properties. 

Apr 07, 2018 12:17 PM
Rainer
87,920
Jeff Perlis Prime Properties
Prime Properties - Lake Arrowhead, CA
Experience Your Own Transformation!

We have to order a disclosure by law. Seller usually pays.

Apr 13, 2018 05:55 PM
Rainmaker
5,397,752
Joan Cox
House to Home, Inc. - Denver Real Estate - 720-231-6373 - Denver, CO
Denver Real Estate - Selling One Home at a Time

Denver is a dry state, and only have one area of town that is.  

Apr 10, 2018 12:35 PM
Rainer
55,453
Joe D'Agostino
NMLS# 729950 - Manahawkin, NJ
Mortgage Officer 46 years!

If going for a mortgage the mortgage company will run a flood cert. If you want, call any local insurance company, they must know in order to give quotes. I deal with this all the time, as I lend money on homes located on an island. Find out what the zone rating is for this will determine if needed and the cost due to the elevation. 

 

Apr 09, 2018 08:40 AM
Rainmaker
796,748
Brenda Mayette
Miranda Real Estate Group, Inc. - Glenville, NY
Getting results w/ knowledge & know-how!

I call my insurance company; they're happy to help. 

Apr 09, 2018 05:12 AM
Rainmaker
539,377
Dave Halpern
Dave Halpern Real Estate Agent, Inc., Louisville, KY (502) 664-7827 - Louisville, KY
Louisville Short Sale Expert

Our county has a website - plug in the address and get a certificate

Apr 08, 2018 06:48 PM
Rainer
414,427
David M. Dwares
Title Professionals Corp. - Fort Lauderdale, FL
Title guy with a broker license

FEMA has a search by address page, I use it often. FEMA Search

Apr 08, 2018 01:44 PM
Rainmaker
4,433,809
Gita Bantwal
RE/MAX Centre Realtors - Warwick, PA
REALTOR,ABR,CRS,SRES,GRI - Bucks County & Philadel

Insurance company

Apr 08, 2018 01:38 PM
Rainer
117,085
Christine Kankowski North SD and Temecula
House Match Inc - Poway, CA
Excellent Sales and Property Management

The NHD report will spell it out for you.  

Apr 08, 2018 09:21 AM
Rainmaker
3,071,034
Tony and Suzanne Marriott, Associate Brokers
Serving the Greater Phoenix and Scottsdale Metropolitan Area - Scottsdale, AZ
Haven Express @ Keller Williams Arizona Realty

Wait for it to rain? 

Apr 08, 2018 06:32 AM
Rainmaker
4,799,732
Gabe Sanders
Real Estate of Florida specializing in Martin County Residential Homes, Condos and Land Sales - Stuart, FL
Stuart Florida Real Estate

I can get an idea from my Tax software.

Apr 08, 2018 06:27 AM
Rainmaker
1,027,535
Susan Haughton
Long and Foster REALTORS (703) 470-4545 - Alexandria, VA
Susan & Mindy Team...Honesty. Integrity. Results.

We have an in house insurance agent who can tell us.

Apr 08, 2018 05:19 AM
Rainmaker
541,438
Buzz Mackintosh
Mackintosh REALTORS - Frederick, MD
“Experience, reliable, leadership”

If the property has recently been placed in the flood plain you can have an elevation survey done to remove it. Check w/ the lender, appraiser or insurance agent to find out

Apr 08, 2018 04:12 AM
Rainer
364,604
J.R. Schloemer, CRS
Kentucky Select Properties - Louisville, KY

I use our Sewer District's Floodplain Determination site. If not there, then I will use Lojic for searching an address.

Apr 07, 2018 09:16 PM
Rainmaker
3,986,000
William Feela
WHISPERING PINES REALTY - North Branch, MN
Realtor, Whispering Pines Realty 651-674-5999 No.

Ther are maps but I find tha the loan company finds it much faster

Apr 07, 2018 07:23 PM
Ambassador
3,987,060
Debbie Reynolds, C21 Platinum Properties
Platinum Properties- (931)771-9070 - Clarksville, TN
The Dedicated Clarksville TN Realtor-(931)320-6730

The first step is the seller is to disclose this on the disclosure form. The next way is on the CRS records and the insurance company will know and then of course the lender and title company will also check.

Apr 07, 2018 06:37 PM