Below are Kentucky FHA guidelines for a property that has well water and septic tanks for waste disposal . The Kentucky FHA appraiser should be able to address the distance between the well and septic for distance requirements, and comment if public sewers are available.
Well water test will be required as a closing condition. FHA mortgages loans in Kentucky require a septic inspection unless the appraiser mentions it is necessary.
(O) Water Supply Systems in Kentucky
(1) Public Water Supply System The Mortgagee must confirm that a connection is made to a public or Community Water System whenever feasible and available at a reasonable cost. If connection costs to the public or community system are not reasonable, the existing onsite systems are acceptable, provided they are functioning properly and meet the requirements of the local health department.
(2) Individual Water Supply Systems (Wells) When an Individual Water Supply System is present, the Mortgagee must ensure that the water quality meets the requirements of the health authority with jurisdiction. If there are no local (or state) water quality standards, then water quality must meet the standards set by the EPA, as presented in the National Primary Drinking Water regulations in 40 CFR §§ 141 and 142. Soil poisoning is an unacceptable method for treating termites unless the Mortgagee obtains satisfactory assurance that the treatment will not endanger the quality of the water supply. Requirements for the location of wells for FHA-insured Properties are located in 24 CFR § 200.926d (f) (3). The following tables provide the minimum distance required between wells and sources of pollution for Existing Construction:
| Individual Water Supply System for Minimum Property Requirements for Existing Construction* | |
| 1 | Property line/10 feet |
| 2 | Septic tank/50 feet |
| 3 | Drain field/100 feet |
| 4 | Septic tank drain field reduced to 75 feet if allowed by local authority |
| 5 | If the subject Property line is adjacent to residential Property then local well distance requirements prevail. If the subject Property is adjacent to non-residential Property or roadway, there needs to be a separation distance of at least 10 feet from the property line. |
| * distance requirements of local authority prevail if greater than stated above | |
| Water Wells Minimum Property Standards for New Construction 24 CFR § 200.926d(f)(1) | |
| 1 | Lead-free piping |
| 2 | If no local chemical and bacteriological water standards, state standards apply |
| 3 | Connection of public water whenever feasible |
| 4 | Wells must deliver water flow of five gallons per minute over at least a four-hour period |
| Water Wells Minimum Property Requirements for Existing Construction | |
| 1 | Existing wells must deliver water flow of three to five gallons per minute |
| 2 | No exposure to environmental contamination |
| 3 | Continuing supply of safe and potable water |
| 4 | Domestic hot water |
| 5 | Water quality must meet requirements of local jurisdiction or the EPA if no local standard |
American Mortgage Solutions, Inc.
10602 Timberwood Circle Suite 3
