Occasionally a loan institution will require a sewage and water system report (including water sample) before a loan is approved. The Defiance County General Health District provides this service. The process starts by filling out a Realty Inspection Request Form.
The sewage system report includes a record search for Household Sewage Treatment System (HSTS) permits and a site inspection. HSTS permits are available for properties that date back to the 1960’s. Septic tanks are required to be pumped prior to the site inspection, if this has not been completed in the past three years. If your septic tank requires pumping, please refer to the detailed list of licensed septic haulers below. In the event that the septic system is not operational or is observed creating a nuisance, it will be required to comply with current regulations.
The water system report consists of a record search for Private Water Systems (PWS) permits, site inspection, and bacterial water sample analysis. The State of Ohio passed legislation requiring PWS permits in 1980. If no PWS permit is available, a well log search will be conducted with the Ohio Department of Natural Resources. Water samples will be evaluated to determine if it is in compliance with current regulations.
On January 1, 2015, the State of Ohio passed new regulation in regards to subdivisions and new lots. In summary, bare lots less than five acres require a soil evaluation to be completed prior to health district approval and lots with existing dwellings will require a sewage system report as mentioned above. All lots less than five acres must be submitted on the Realty Inspection Request Form, along with the applicable fee. A pamphlet of subdivision regulations can be found by clicking the Subdivision and New Lots link below.
Once the required documents and site inspections are conducted, a report noting observations will be prepared for the requestor. For more information visit the following links: