Whitney and Ashby made the decision to build a new house on Ashby's 300 plus acres family farm near Sedalia. They met with an architect to come up with a home design that would suit their needs. Once the house was designed their builder put together a quote to construct the house. Whitney and Ashby picked out a house site on the farm and thought they had covered all the bases to get their dream house under construction until a friend who had been through a similar process informed them they had missed a couple important steps.
In order to get a bank loan to build the house a portion of Ashby's family farm would need to be subdivided off and deeded in their names. As a general rule lending institutions like the borrower to have between 1 and 10 acres of land in their name as collateral to secure the loan. This not only protects the bank but also the remainder of the family land in case the mortgage ever went to foreclosure. The subdivision process can be time consuming as the local planning office and other state agencies will have to review and approve the survey.
Since the building site is in a remote area and public water and sewer are not available a well and septic permit from the Virginia Department of Health will need to be obtained prior to applying for a building permit. In this case the septic test also know as a soil evaluation or "perc" test will be required as part of the subdivision process, but that is not always the case. Once the soil evaluation is completed the work is submitted to the local health department for review and approval.
With only 3 weeks until construction on their dream home was to begin Whitney contacted Accupoint Surveying & Design, LLC. in a panic knowing the subdivision of land and soil evaluation could delay their project. The professionals at Accupiont swung into action and were on site at Ashby's family farm the very next day to begin work on the soil evaluation and subdivision of the land. Within 3 days the survey plat and septic designs were submitted to county authorities for review. Both packages were approved by the county in less than 2 weeks and as a result Whitney and Ashby were able to obtain their loan and start their important project on schedule.
Although Accupoint Surveying & Design, LLC was able fast the project for Whitney and Ashby it would be prudent to have the survey and soil evaluation done well ahead of time to avoid delays in your project.