Environmental Issues

It seems that we hear a lot about environmental concerns these days. Much of it is simply the result of a greater awareness than in the past. And even though there isn't anything to be concerned with in most homes, there are still a number of potential home environmental issues that buyers should be aware of.

One major issue here is beach erosion from Nor Easters and Hurricanes.  Some areas of the beach are shrinking, some are actually growing.  If you see ocean front homes that appear to be a fantastic deal - this is usually the issue.  It is very difficult to mortgage or insure these homes and most lenders require 120 feet to the average high tide line. 

There are 3 flood zones on the island.  Most of the ocean front and some other low lying areas are VE and cost the most to insure - however some ocean front is perfectly safe with no flooding history.  Areas near the water have an AE zone rating.  These areas require flood insurance though it is quite reasonable thru the Federal Flood insurance Program.  Many of the VE and AE areas have a base flood elevation of 9 feet set - no living areas will be insured that are built below this level. Garages/ hallways etc are fine.  A large portion of the island is an X zone.  This area does not require flood insurance though many find it feasable to carry it for the 350 or so a year.  The flood zones are reevaluated every few years and sometimes properties can be grandfathered at the old zone.  Your lender/agent will help you determine what will be necessary for any property being considered

In homes built before 1978, lead based paint may be present. Generally, if the lead based paint is in good condition, not cracking or peeling, it is not a hazard. If the condition is hazardous, the paint will either need to be removed or sealed in such a manner as to eliminate the hazard.

Another very rare concern with the home in the OBX is radon. Radon is a radioactive gas that comes from the natural decay of uranium in the soil.  Radon is rarely an issue in the OBX - because there is no soil - just sand - and no basements - a common area for radon.  If you are looking at property further away from the beach, this should be checked.

In older homes built more than 30 years ago, asbestos was used in many types of insulation and other building materials. If the asbestos is releasing fibers into the air, it needs to be removed or repaired by a professional contractor specializing in asbestos cleanup. But, if the asbestos material is in good repair, and not releasing fibers, it poses no hazard and can be left alone.

Termites are occasionally a problem here at the beach, and any property purchased should be checked. The check is usually paid for by the buyer in NC, but any treatment found necessary can be added in with inspection repairs requested to be done by the seller.