legal non conforming rebuild letter

The Appraiser must analyze and report any adverse effect that the non-conforming use has on the Propertys value and marketability, and state whether the Property may be legally rebuilt if destroyed.. For additionalinformation, seeB4-1.3-04, Site Section of the Appraisal Report. Tagged with: FHA Loan, FHA Loan Questions, FHA Loan Rules, FHA Loans, Real Estate. Has anyone had experience with getting a rebuild letter from Philadelphia? Preexisting land uses that do not conform to current . That said, anytime you encounter older FHA loan information that references HUD 4155.1 or other rulebooks, its best to double check your information with the current requirements as listed in HUD 4000.1. 13-8 4 (Exh. Enter the associated parcel/tax schedule number or change the search type by using the drop menu. list-style-type: none; .blog-banner-shortcode .new-buttons a.new-btn { 1415 Rexford Drive Certificate of Occupancy. here. When a structure with nonconforming elements is partially damaged or totally destroyed beyond control of the property owner, the structure may be rebuilt, provided that such rebuilding does not result in the building that is more out of compliance than the building being replaced and provided that a building permit to replace the structure is What I've learned is a rebuild letter states that if the property is destroyed by fire that it can be reconstructed to correspond to its present use. margin: 0; It DOES NOT certify conformance or non-conformance of existing uses or structures. Subscribe to JVM's monthly newsletter to stay up-to-date on housing, mortgages, and interest rates. %%EOF & Technology, News & Having Issues with Seeing this Page Correctly? a legal non-conforming (grandfathered) use, an illegal use under the zoning regulations, or. This requirement applies to all property types. position: absolute; opacity: 0.6; } Accessory Dwelling Units: emphasizing Highest and Best Use to determine property type of classification. 2d 751, 754 (Fla. 5th DCA 1985): Events, Community-Owned or Privately Maintained Streets, B4-1.3-05, Improvements Section of the Appraisal Report, B4-1.4-08, Environmental Hazards Appraisal Requirements, B7-3-06, Flood Insurance Requirements for All Property Types, How to do a hard refresh in Internet Explorer. The Committee may permit the enlargement or extension of a building or structure where the use of the building or structure is a legal non-conforming use. LDRS (Land Development Review Search) For Projects Submitted BEFORE August 8, 2022 - Click Here. display: flex; This treatment recognizes that the existing improvements should continue in use until it is financially feasible to remove the dwelling and build a new one, or to renovate the existing dwelling. <> However, Fannie Mae will purchase or securitize a mortgage for a property that constitutes a legal, non-conforminguse of the land provided the use of the land and the appraisal analysis reflects anyadverse effect that the non-conforming use has on the value and the marketability of the property. endstream endobj startxref To add some more back story - I'm buying a condo in Chicago. Subscribe here to have our renowned blog emailed daily. 17.140.050 Illegal nonconforming uses or structures as public nuisance. Non Conforming rental units in Los Angeles can be risky because if you get caught you will lose their income and also have to pay a relocation assistance fee. Vaccines protect you and the people around you, reducing the spread of COVID-19. flex-direction: column; So borrowers, agents, and sellers alike should know that while FHA home loans have FHA guidelines which have an important part to play in loan approval, they are not the sole guidance or set of regulations which must be heeded. FHANewsBlog.com was launched in 2010 by seasoned mortgage professionals wanting to educate homebuyers about the guidelines for FHA insured mortgage loans. A nonconforming use is created when a zoning provision is adopted or amended to prohibit a particular use that lawfully existed prior to the enactment or amendment. The owners of the subject property must have the right to access those facilities, which must be viable on an ongoing basis. The appraiser must also indicate the specific FEMA flood zone and the map number and its effective date. 4 0 obj The Zoning Code also authorizes reconstruction of non-conforming structures destroyed by fire, act of God or third party as follows: "Following destruction, a replacement structure that does not reduce the nonconforming setbacks or exceed the nonconforming area or height of the destroyed structure may be constructed, " You can erase, text, sign or highlight of your choice. 135 0 obj <> endobj I reached out to the zoning department but not getting anywhere with them. } { For the purposes of this Chapter, a change of use is a change to another use listed in the same or any other Use Group. 17-10 5 (Exh. endobj & Insights, Pricing & You can contact JVM Lendings team if you have any questions about property types, mortgage interest rates, or getting pre-approved for a home loan. A typical local ordinance may state, for example: "a nonconforming use . C. Whenever a structure is damaged less than fifty percent (50%), the structure shall be replaced to its legal nonconforming status or replaced with a structure in conformance with the code. Ann. The house on the property was substantially damaged by Hurricane . margin-top: 0; For additional information concerning Fannie Maes policies on flood insurance, see B7-3-06, Flood Insurance Requirements for All Property Types. The reader question doesnt address the legal non-conforming issue mentioned above. background-color: #fe952c; endstream endobj 138 0 obj <>stream He is going to petition them to waive the request for this letter. Applications require a $150 filing fee. What Credit Score Is Needed For An FHA Mortgage? About FHANewsBlog.com You can contact JVM Lending's team if you have any questions about property types, mortgage interest rates, or getting pre-approved for a home loan. 2. Copyright JVM Lending 2023. . background: #FBAE42; We recommend that you use the latest version of FireFox or Chrome. -webkit-justify-content: center; -ms-flex-direction: column; } .blog-banner-shortcode .new-buttons { { Neither my real estate agent or attorney nor the sellers agent have ever heard of a lender asking for a rebuild letter. .blog-banner-shortcode .banner-blog-shortcode-button justify-content: center; Welcome to an improved Seller/Servicer Guide. @media (max-width: 600px) { 2 0 obj (or attach a legal description i.e. I am also half way around the world, so finding it tricky to get them on the phone. If a use of land, a building, or a structure was legal on Monday, a zoning by-law passed that day cannot render it illegal by Tuesday. If you have questions about the purchase process, you can also view ourPurchase Process Overview here. display: flex; The opinions presented on FHAnewsblog.com should not be construed as representing the official opinions of any government agency. } Lender's counsel is also routinely required to provide an opinion letter regarding the legal status of the Borrower, any Manager or General Partner, and any guarantor and the . If a nonconforming use structure is destroyed or partially destroyed by fire or similar occurrences, zoning ordinances generally provide that if it is destroyed beyond a certain percentage, it cannot be rebuilt. Illegal nonconformities are structures or uses built without a permit and violates a portion of If a property constitutes a legal, non-conforming use of the land and is a one- to four-unit property or a unit in a . .blog-banner-shortcode ul li .banner-blog-shortcode-button Improvements, and A), 7/11/17) 17.05.050 Elimination of Legal Nonconforming Uses and Structures. opacity: 0; Posted in: FHA Requirements Tagged with: .blog-banner-shortcode .new-buttons a.new-btn:hover { Get answers to your Selling Guide & policy questions with Fannie Mae's AI-powered search tool. } You must keep using the property in the same fashion, but you aren't required to add additional uses. This requirement appliesto all property types. The appraiser must comment on any adverse conditions and address their effect on the value and marketability of the subject property. If they are typical in the community, they should be present on the subject site. Since its formation in 2006, JVM Lending has been committed to reinventing the mortgage lending model in order to provide outstanding service, low rates, and some of the fastest closing times in the industry. <>/Font<>/ProcSet[/PDF/Text/ImageB/ImageC/ImageI] >>/MediaBox[ 0 0 612 792] /Contents 4 0 R/Group<>/Tabs/S/StructParents 0>> background: rgba(255, 255, 255, 0.5); margin-left: 0 !important; We do not ask users to surrender or transfer title. This site is protected by reCAPTCHA and the Google Privacy Policy and Terms of Service apply. Usually the owner loses the right to rebuild if 50 percent or more of the structure is damaged. and the appraiser marks "Legal Non-Conforming" because the . For mortgage loans to be eligible for purchase or securitization, the utilities of the property must meet community standards. B. . 2011 blog post titled, Can I Get An FHA Loan For A Commercial Property?. use and/or characteristics are legally non-conforming under applicable zoning or land use laws and regulations and the affected ImprovementsImprovementsBuildings, structures, improvements, and alterations, including the multifamily housing dwellings, now constructed or hereafter constructed or placed on the land upon which the Property is located, together with all fixtures (as defined in the Uniform Commercial Code). Do I have any other options? opacity: 1; These lots were legal when they were subdivided but do not meet the current requirements for width, depth, access, or other requirements. background: rgba(255, 255, 255, 0.2); If you have additional questions, Fannie Mae customers can visit Ask Poli to get information from other Fannie Mae published sources. } Generate a Zoning Information Letter (previously known as Zoning Letter) We recommend that you use the latest version of FireFox or Chrome. In this book, author and investor This requirement applies to all property types. endobj Applications require a $150 filing fee. Credit Monitoring For First-Time Home Buyers, FHA One-Time Close Construction Loan Limits Are Higher In 2023. 5850 San Felipe Suite #500, Houston, TX 77057 281-398-6111. and (3) the use which is allegedly legal non-conforming. .blog-banner-shortcode .new-buttons a.new-btn:after { Modifications to Multifamily Loan and Security Agreement (Legal Non-Conforming Status, Registration and Multifamily Affordability Estimator, Key Principals, Principals, and Guarantors, Escrow Requirements for Taxes and Insurance, Rehabilitation Work Costing More than $20,000 Per Unit, Continuing Care Retirement Communities (CCRCs), Multifamily Affordable Housing Properties, Restrictive Covenants and Affordable Regulatory Agreements, Refinancing Section 236 Properties IRP is Maintained, LIHTC Properties Lender Equity Interest, Transactions with Fannie Mae Debt and Equity Interests, Borrower, Key Principals, Guarantors, and Principals, ARM 5/5 Loan Optional 5-Year Adjustable Rate Term Renewal Eligibility, Structured Adjustable Rate Mortgage (SARM) Loans, Hybrid Adjustable Rate Mortgage (Hybrid ARM) Loans, Split Mortgage Loans and Bifurcated Mortgage Loans, Fannie Mae LIHTC Investment in Credit-Enhanced Bonds, Taxable Tails and Supplemental Mortgage Loans, Moderate Rehabilitation Mortgage Loan with Side-by-Side Bond Financing, Third Party MBS Investor Delivery Scenarios, ARM 5/5 Optional 5-Year Adjustable Rate Term Renewal, Credit Enhancement Mortgage Loan Committing and Delivery, Collection, Tracking and Reporting of Monthly P&I Payments and T&I Amounts, Reporting Loan Activity and Security Balance, ARM Loan Interest Rate and Monthly Payment Changes, Partial Prepayments Not From Insurance or Condemnation Proceeds, Prepayments (Full or Partial) Involving Insurance Proceeds or Condemnation Awards, DUS Bond Credit Enhancement Transactions Reporting and Remitting Requirements, Reporting Collateral Balances in Custodial Accounts, Internal Revenue Service Reporting Requirements, Asset Management: Loan Document Administration, Delegation of Decision-Making Authority; Retention of Outside Legal Counsel, Execution of Documents by Servicer Limited Power of Attorney, Notice of Lien or Noncompliance with Applicable Laws, Ordinances and Regulations, Casualty Losses Performing Mortgage Loans, Casualty Losses Non-Performing Mortgage Loans, Credit Enhancement Mortgage Loans and Multifamily Affordable Housing Properties, MH Communities with Tenant Site Lease Protections, Secondary Risk Mortgage Loans and Primary Risk Mortgage Loans, Capital Repairs and Protection of Property and Property Income, Reinstatement; Calculation of Payoff Amount, Non-Performing Primary Risk Mortgage Loans Transfers to Fannie Mae Special Asset Management, Non-Performing Secondary Risk Mortgage Loans Special Servicing, Special Servicing of Primary Risk Mortgage Loans, Loss Sharing and the Appraisal Process in connection with a Foreclosure Event, Part II, Chapter 5: Property and Liability Insurance, Section 501.02C: Ordinance or Law Insurance. Lenders will not lend unless they know their collateral can be rebuilt if a fire (or another disaster) occurs. How Can Builders Offer 3%+ Rates In a 6%+ World? personal property (per the Uniform Commercial Code). If there is market resistance to an area because of environmental hazards or any other conditions that affect well, septic, or public water facilities, the appraisal must address the effect of the hazards on the value and marketability of the subject property (see B4-1.4-08, Environmental Hazards Appraisal Requirements). The developer will suffer a loss because instead of building additional units, he must now set aside space for the parking area. -webkit-filter: blur(30px); If you have additional questions, Fannie Mae customers can visit Ask Poli to get Additional information may be required. , you should consider: Joint and Several Borrowers with Multiple Properties, Subordination, Non-Disturbance and Attornment, Tenant Estoppel Certificate; Lease Modification, Acceptable Renewable Energy Generation Systems, Underwritten Net Cash Flow (Underwritten NCF), Property Previously Secured Bond Financing, Exception for Taxes, Assessments, or Other Lienable Items, Environmental Protection Lien Endorsement, Uniform Commercial Code (UCC) Financing Statements, Creating and Perfecting the Security Interest, General Insurance Applies to All Policies, Blanket and Other Policies Covering Multiple Properties, Business Income (including Rental Value) Insurance, Boiler and Machinery / Equipment / Mechanical Breakdown Insurance, Risk Retention Groups and Captive Insurance, Directors and Officers Liability Insurance, HPB Module, HPB Report, and Technical Solar Report Scoring, HPB Module, HPB Report, and Technical Solar Report Approval, Dependency and Medicaid Transition Reserve, Management, Operations, and Regulatory Compliance, Collateral; Tenant-Occupied and Affiliate-Owned Homes, Public Roadways, Private Interior Roadways, and Drives, Eligible Characteristics and Underwriting, Ineligible Characteristics and Underwriting, Affordable Regulatory Agreement Restrictions, Lien Priority and Title Insurance Policy, Additional Underwriting and Loan Documents, Properties with Both HAP Contracts and LIHTC Units, Transactions Funded with Tax-Exempt Bond Proceeds, Fannie Mae Credit-Enhanced Tax-Exempt Bond Issuance, Borrowers, Key Principals, Guarantors, and Principals, Lender FHA Risk Sharing Reserve and Loss Sharing Modifications, Cooperative Market Rental Basis NCF (Underwritten NCF), Cooperative Market Rental Basis DSCR (Underwritten DSCR), Small Mortgage Loan Underwritten NCF (Underwritten NCF), Site Inspection by Lender or Other Third Party, Prepayment Option 1 Declining Prepayment Premium Schedule, Prepayment Option 2 - 1% Prepayment Premium Schedule, Including the Cap Cost Factor in the Variable Underwriting Rate, Interest Rate Cap Contract Documentation and Delivery, Borrower, Guarantor, Key Principals, and Principals, Interest Rate Determination and Rate Lock, UCC Continuations, Amendments, and Terminations, Releasing/Reducing Letters of Credit or Other Collateral, Monthly Securitized Mortgage Loan Security Balance Reporting, Same Month Pooling Security Balance for First Reporting Cycle, Security Balances Due by Second Business Day, Monthly MBS Mortgage Loan Reconciliations - Pool-to-Security Balance Reconciliations (Not Applicable to PFP MBS), Required Annual Adjustment to Correct Principal Balance vs. Security Balance Difference, Pool-to-Security Reconciliation Certification, Adjustable Rate Mortgage Loan Interest Rate Changes and Required Monthly Payments, Monthly Reporting for ARM Loan Payment/Rate Changes, Delinquency Advances on a Mortgage Loan other than a Credit Enhancement Mortgage Loan, Delinquency Advances on a Credit Enhancement Mortgage Loan, Servicing Advances on a Mortgage Loan other than a Credit Enhancement Mortgage Loan, Servicing Advances on a Credit Enhancement Mortgage Loan, Duration of Payment of Delinquency Advances or Servicing Advances, Reimbursement for Delinquency and Servicing Advances, Repayment of Servicing Advances from Borrower, No Capitalization of Servicing Advances for Securitized Mortgage Loans, Monthly P&I Remittance Due Dates for Cash and MBS Transactions, Additional Requirements for Monthly Remittance for Security Transactions, Securitized Mortgage Loans Remitting Fees to Fannie Mae, Guaranty Fee Due on 7th Calendar Day of Month, Same Month Pooling Interest and Guaranty Fee Remittance for First Reporting Cycle, Notification to Fannie Mae if Unable to Have Funds Available on any Remittance Date, Review of Applicable Loan Documents Required, Notification of Prepayment; Timing of Prepayment, Notice and Timing Consistent with Loan Documents, Borrower Notice Must Contain Date of Intended Prepayment and Comply with Notice Requirements of the Loan Documents, Loan Document Requirements for Payoff and Lockout Dates, Notice to Fannie Mae of Proposed Payoff; Use of Fannie Mae Payoff Calculator, Timing of Confirmation of the Full Prepayment Payoff Amount, Full Prepayment for Cash Transactions and PFP MBS, Confirming the Full Prepayment Payoff Amount, Full Prepayment for Securitized Transactions (Not Applicable to PFP MBS), Fannie Mae Approval Required for Partial Prepayments, Prepayment Premium Due on Partial Prepayment, Reporting and Remitting Partial Prepayments When Not Permitted in Loan Documents, Reporting and Remitting Partial Prepayments When Permitted in Loan Documents, Reporting and Remitting Partial Prepayments, Yield Maintenance Prepayment Premiums Prepayment Occurs Before the Yield Maintenance Period End Date, Calculation of Investors Share of Total Prepayment Premium for a Securitized Mortgage Loan, Calculation of Fannie Maes Share of Total Prepayment Premium, Calculation of Servicers Share of Total Prepayment Premium, Yield Maintenance Prepayment Premiums Prepayment Occurs On or After the Yield Maintenance Period End Date, Prepayment On or After Yield Maintenance Period End Date, Fixed Rate Mortgage Loans with Graduated Prepayment Premiums, Prepayment Premiums for ARM Loans and Structured ARM Loans, Prepayment Premium Waivers; Servicers Share of Prepayment Premium, Servicer Notification of Payoff Amount to Borrower, Calculating and Obtaining Confirmation of Payoff Amount, Fannie Mae Will Not Confirm Nor Is Responsible for Amounts Owing to Servicer, Fannie Mae Confirmation of Full Payoff Amount, No Quote to Borrower Until Fannie Mae Confirmation, Reporting the Payoff and Remitting the Payoff Funds, Reporting Full Payoff Amount Through the eServicing System Due By 2nd Business Day of Month, Post Payoff Document Retention Requirements, Monthly Bond Credit Enhancement Reporting, Monthly Remittances of Scheduled Payments to Bond Trustee, Replenishment of Withdrawals from the PRF, Collection and Remittance of Borrower Reimbursement Obligations for Fannie Mae Advances, Notice and Collection of Other Fees and Expenses, Bond Redemption Premiums Payable to Bondholders, Termination Fee or Prepayment Premium Payable to Fannie Mae, Termination When No Prepayment Occurs; Weekly Variable Rate Transactions, Mortgage Loan Documents Must Permit Defeasance, Notifying the Internal Revenue Service about Abandonments or Acquisitions (IRS Form 1099-A), Notifying the Internal Revenue Service about Cancellations of Indebtedness (IRS Form 1099-C), Coordination with Reporting Abandonments or Acquisitions, Borrower's T&I Impositions and Custodial Accounts, Monitoring Compliance with Loan Documents, Servicer Certification When Fannie Mae Approval Is Not Required, Servicer Certification When Fannie Mae Approval Is Required, Submitting the Request for Subordinate Financing, Funds as Additional Security for Mortgage Loan, Waiver or Modification of Terms of Collateral Agreement, Achievement Agreement or Other Agreement for Additional Collateral, Draws on Letters of Credit or Application of Other Collateral, Releasing Additional Escrows for Principal and Interest, Taxes and Insurance, and Replacement Reserves, Completion/Repair Loan Document Amendments, Green Rewards Efficiency Measure Verification, Replacement Reserve Loan Document Amendments, Modifications to Replacement Reserve Deposits, When Replacement Reserve Funding Was Partially or Fully Waived, Items Eligible for Funding from the Replacement Reserve, Items Not Eligible for Funding from the Replacement Reserve, Return of Replacement Reserve Funds to Borrower, Alternative Funding of Replacement Reserves for Portfolio Mortgage Loans, Replacement Interest Rate Hedge and Notification, Replacement Interest Rate Hedge Documents and Follow Up, No Financing for Property and Liability Insurance Premiums, Flood Map Changes; Obtaining Flood Insurance, Servicers Administrative Costs and Expenses, Required Casualty Loss Property Inspection, Documentation for Required Casualty Loss Property Inspections, Endorsement of Insurance Loss Draft or Check When Payable to Fannie Mae, Endorsement of Insurance Loss Draft or Check When Not Payable to Fannie Mae, Insurance Loss Draft or Check Not Payable to Either Fannie Mae or Servicer, Borrowers Failure to Diligently Pursue Repair, Decisions Delegated by the Delegated Transaction Form 4636 series, Supplemental Mortgage Loans Not Permitted, Decisions and Actions Delegated and Not Delegated, Seniors Housing Expansion/Conversion Requests, Request Changes in Unit Count/Mix in the MAMP, Bond Transactions and Credit Enhancement Mortgage Loans, Compliance Issues Relative to Bond Credit Enhancement Transactions, Monitoring Compliance; Notification of Noncompliance, Default Notice for Failure to Comply with the Bond Documents, Multifamily Affordable Housing (MAH) Properties, HAP Contract Approval and Releasing Restabilization Reserve, Quarterly Financial Analysis of Operations, Borrower Fails to Provide Guarantor Financial Reports, Lender Tenders for Minor or Immaterial Defaults, Definition of Non-Performing Mortgage Loan, Partial Payments by Borrower Do Not Change Date of Default, Timing for Imposition of Late Charges and Default Interest, No Deduction for Late Charges or Default Interest, Enforceability of Late Charges and Default Interest, Notice to Fannie Mae of Performance Default, Full Payment After Expiration of Period Before Assessing Late Charges, Copies of Letters Sent to Borrower; Correspondence with Borrower, Funding Capital Repairs During Default Resolution, Documenting the Property Management Change, Servicer Performs Loss Mitigation Actions, Servicer Workout Action Template (SWAT), Fannie Mae Performs Loss Mitigation Actions, Election and Implementation of a Course of Action, Course of Action Lender Purchase of Mortgage Loan, Course of Action Lender Workout Election, Documentation and Terms of Lender Workout, Lender Workout Has No Impact on Loss Sharing or Recourse Obligation, Servicer Makes Delinquency Advances But Fails to Report Mortgage Loan Delinquent, Foreclosure Process Continues Unless Otherwise Agreed to by Fannie Mae, Delinquency Advances Must Be Made During Negotiation of Joint Workout, Modification, Extension, and Forbearance Fees, Management of Property Post Title Vesting in Fannie Mae, Course of Action Note Sale Election or Discounted Loan Payoff, Note Sale and Discounted Loan Payoff Defined, Any Note Sale or Discounted Payoff Gives Rise to Loss Sharing Event, Note Sale Secondary Risk Mortgage Loans, Discounted Loan Payoff - Secondary Risk Mortgage Loans, Calendar Days 31 through 60 after a Payment Default or Performance Default, No Disclosure of Lenders Contract Terms to Borrower; Borrower Not a Third-Party Beneficiary of Lender Contract, Asset Audits for Secondary Risk Mortgage Loans, Special Requirements for the Environmental Assessment, Appraisal Notice and Election of Appraisal Methodology. stream Visit Selling and Servicing Guide Communications and Forms. Fannie Mae will only purchase or securitize a mortgage that represents the highest and best use of the site as improved. 166 0 obj <>/Filter/FlateDecode/ID[]/Index[135 59]/Info 134 0 R/Length 105/Prev 189827/Root 136 0 R/Size 194/Type/XRef/W[1 2 1]>>stream Apparently this is because the property was a single family home that was converted to 3 condo units. the municipality's local zoning requirements (e.g., green compliance for new buildings, etc. This Is SHOCKING! I was about toclose on arefi when my mortgage company through me a curve ball needing a structural report anda rebuild letter. Home purchase border-radius: 6px; &)N;.=*3;;/W7:ODI_|z, JDH QDBi"fNDY_4BqT@2#qkU,h)L4{, ,@Uf3fzk"d uV*"XY/L,34M3b*pzYr&K5 Center, Apps HUD 4000.1 adds: The Appraiser must determine if current use complies with zoning ordinances. Walnut Creek, Speak to a loan officer to learn more about non-FHA rules and regulations that may affect your transaction. } The appraised value must reflect the entire 40acre parcel. He is a 13-year Air Force veteran and a member of the Air Force Public Affairs Alumni Association. This is an issue under the zoning by-laws. transition: 0.7s; How are FHA home loans affected by zoning laws? Improvements, and % Fannie Maes appraisal report forms provide an area for the appraiser to indicate whether the property is located in a Special Flood Hazard Area that is identified on the Federal Emergency Management Agencys (FEMA) Flood Insurance Rate Maps. legal non-conforming use means and refer to a use of real property that was in compliance with zoning regulations at the time the use was established, but which, because of subsequent changes in those regulations, is no longer a permitted use. For informational purposes only. filter: blur(30px); filter: blur(5px); display: flex; The appraiser determines highest and best use of a site as the reasonable and probable use that supports the highest present value on the effective date of the appraisal. Term, 2016, 2017 WL 4786756 (Md. If the local zoning officer denies a zoning permit based on a finding that the nonconforming structure has been more than partially destroyed, the owner may then appeal such a decision to the zoning . Fannie Mae will not purchase or securitize a mortgage secured by a property that is subject to certain land-use regulations, such as coastal tideland or wetland laws, that create setback lines or other provisions that prevent the reconstruction or maintenance of the property improvements if they are damaged or destroyed. Application Chrome Exe Disable Frame Rate Limit, Articles L