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WannaBeAMom11
LIF Adult
Member since 1/11 7391 total posts
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Name
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Anyone know anything about a CO for a garage
Half the garage was converted into a laundry room in 2012 with no CO. It’s my in laws house. They are trying to sell and their Atty doesn’t know if there will be an issue as there is no CO. Half the garage is still a garage.
It’s the town of ISLIP. Anyone know if it’s a simple process and they can just apply or if it’s going to cause a bunch of issues.
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Posted 4/25/18 6:20 PM  |
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alli3131
Peanut is here!!!!!!
Member since 5/09 18388 total posts
Name:
Allison
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Anyone know anything about a CO for a garage
Any time you have to go get a co for work that was already done can open up a can of worms. They will need to have the inspector out and when they are there if they see anything else they can flag it.
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| Posted 4/25/18 7:15 PM |
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WannaBeAMom11
LIF Adult
Member since 1/11 7391 total posts
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Name
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Re: Anyone know anything about a CO for a garage
Posted by alli3131
Any time you have to go get a co for work that was already done can open up a can of worms. They will need to have the inspector out and when they are there if they see anything else they can flag it.
Ugh thanks. That’s what I thought.
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| Posted 4/25/18 8:05 PM |
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Katareen
5,000 Posts!
Member since 4/10 7180 total posts
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Katherine
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Anyone know anything about a CO for a garage
Can they take down the wall and just have the W/D be in the garage?
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| Posted 4/26/18 7:47 AM |
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WannaBeAMom11
LIF Adult
Member since 1/11 7391 total posts
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Name
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Re: Anyone know anything about a CO for a garage
Posted by Katareen
Can they take down the wall and just have the W/D be in the garage?
They can. The attorneys said wait and see if it’s an issue. If it issue my dh will go and rip it down.
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| Posted 4/26/18 8:42 AM |
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Anyone know anything about a CO for a garage
I've heard the town of Islip went from being one of the most relaxed towns to one of the most strict, so it would definitely open a can of worms because you'd have to make sure it was all to current code.
Do they already have buyers? If not, I'd just be upfront to any potential buyers that it's not legal and then make sure in the contract that it states seller's do not plan to get a CO for the laundry room, if it is an issue for the mortgage company (which it shouldn't be because they shouldn't know it's there based on the survey, then the seller's have the right to remove it without any diminution of price. Basically, it's not CO'ed and it shouldn't be considered part of the price when the buyer makes an offer. If it doesn't cause and issue, it stays. If it does cause and issue, it will be removed. This is frequently done with decks, sheds, garages, pools, etc. because people don't get permits for them.
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| Posted 4/26/18 8:49 AM |
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NervousNell
Just another chapter in life..
Member since 11/09 54921 total posts
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..being a mommy and being a wife!
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Re: Anyone know anything about a CO for a garage
When we bought our house there was no CO for a large shed.
They were upfront with us and said they would not be getting one.
Our agent told us it's up to the bank or mortgage company if they are going to make a stink about it.
Ours did not.
We never got the CO nor did the sellers.
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| Posted 4/26/18 8:54 AM |
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WannaBeAMom11
LIF Adult
Member since 1/11 7391 total posts
Name:
Name
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Re: Anyone know anything about a CO for a garage
Posted by starbrightgirl8
I've heard the town of Islip went from being one of the most relaxed towns to one of the most strict, so it would definitely open a can of worms because you'd have to make sure it was all to current code.
Do they already have buyers? If not, I'd just be upfront to any potential buyers that it's not legal and then make sure in the contract that it states seller's do not plan to get a CO for the laundry room, if it is an issue for the mortgage company (which it shouldn't be because they shouldn't know it's there based on the survey, then the seller's have the right to remove it without any diminution of price. Basically, it's not CO'ed and it shouldn't be considered part of the price when the buyer makes an offer. If it doesn't cause and issue, it stays. If it does cause and issue, it will be removed. This is frequently done with decks, sheds, garages, pools, etc. because people don't get permits for them.
Yes. Already have a buyer and it’s in the contract that they are not getting a CO. My mil is flipping out and is all worried and her Atty is all worried so it’s just stressing everyone out.
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| Posted 4/26/18 9:05 AM |
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NYCGirl80
I love my kiddies!
Member since 5/11 10413 total posts
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Re: Anyone know anything about a CO for a garage
I wouldn't do anything until it becomes an issue. We had an open CO when we sold our house and it was SO easy to close it out. Yes, an inspector had to come but he didn't look at anything else. And actually, we weren't even up to code. He left and told us to call him (on the honor system) when we had everything set. It was so simple.
When they are in contract, the buyers attorney will run a check on open COs. The bank will let them know if anything needs to be remedied before closing. A lot of houses have open COs before closing. It's not a big deal unless it's like a whole dormer was built, but that's not the case here.
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| Posted 4/26/18 10:51 AM |
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Re: Anyone know anything about a CO for a garage
Posted by WannaBeAMom11
Posted by starbrightgirl8
I've heard the town of Islip went from being one of the most relaxed towns to one of the most strict, so it would definitely open a can of worms because you'd have to make sure it was all to current code.
Do they already have buyers? If not, I'd just be upfront to any potential buyers that it's not legal and then make sure in the contract that it states seller's do not plan to get a CO for the laundry room, if it is an issue for the mortgage company (which it shouldn't be because they shouldn't know it's there based on the survey, then the seller's have the right to remove it without any diminution of price. Basically, it's not CO'ed and it shouldn't be considered part of the price when the buyer makes an offer. If it doesn't cause and issue, it stays. If it does cause and issue, it will be removed. This is frequently done with decks, sheds, garages, pools, etc. because people don't get permits for them.
Yes. Already have a buyer and it’s in the contract that they are not getting a CO. My mil is flipping out and is all worried and her Atty is all worried so it’s just stressing everyone out.
Why is anyone worried if it's already in the contract that they're not getting the CO? Sounds like it's handled.
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| Posted 4/26/18 1:39 PM |
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FranB
LIF Adolescent
Member since 9/06 686 total posts
Name:
Fran
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Re: Anyone know anything about a CO for a garage
Posted by WannaBeAMom11
Half the garage was converted into a laundry room in 2012 with no CO. It’s my in laws house. They are trying to sell and their Atty doesn’t know if there will be an issue as there is no CO. Half the garage is still a garage.
It’s the town of ISLIP. Anyone know if it’s a simple process and they can just apply or if it’s going to cause a bunch of issues.
Town of Islip has a process called a C of C (Certificate of Compliance).. Its only used for existing structures that are 4 years old or more. You need a floor plan of the house (all floors) and a new survey.,
If there is anything at the house besides the Garage Conversion, they will have to maintain those items at the same time,..... Its simple, fast and a little expensive. The cost if a flat rate plus a per square foot of alteration fee. So it may be about a $500 permit fee plus a plumbing fee for the washer machine. You basically pay a higher fee for it since it was done without a permit to begin with...
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| Posted 4/26/18 1:45 PM |
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Re: Anyone know anything about a CO for a garage
I wouldn't go looking for problems. If it was conveyed to the buyers upfront that there is no C/O and the sellers don't intend to get one, then I don't see an issue.
But had I been an agent on this deal, I would have checked with the buyers' lender FIRST (before contract) to say "this is the situation, will it be a problem?" Because yes - it could be an issue for the lender. If you are up front with the loan officer, they can often say with confidence that it won't be an issue. If they say it will be a problem, then a resolution can be negotiated upfront or the buyer can go to another lender. In this market, where multiple offers are the norm, that is sometimes a key factor to consider when there are C/O issues -- who is the lender and will the non-C/O situation fly?
Has the appraisal been done? If all came back ok with that, then it's probably not going come up if it hasn't already.
I've sold many houses with garage conversions that are not C/O'd. For most mortgage lenders, it won't be an issue. Credit unions are typically very strict on C/O lenders, and large commercial banks, when you are dealing with a loan officer not local to the area can sometimes make an issue.
C/O issues also are more a problem when there is an exterior structure not on the survey (a deck, in ground pool, garage). That's not the issue here.
In this case, a laundry room isn't really "living space" so I doubt this is going to come up (may be more of a potential issue in cases where a garage conversion is now a den or bedroom). Every town different codes/requirements, but if it's just washer/dryer/storage, it's no biggie.
I don't think your in-laws need to worry, but also, I always think "what's the worst case scenario"? In this case, the non-CO'd improvement is pretty easily undone (take down a wall) so that would probably be the quickest and easiest solution if a problem does arise. And if it does arise, they could always get an expediter in (most come in for a free consultation) to advise on what would be necessary to obtain a C/O and they can assess if it's worth it from a cost standpoint or easier to just remove.
But the vast majority of houses I sell on LI have a C/O issue of some sort, and this is pretty minor.
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| Posted 4/26/18 2:53 PM |
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