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Would a house having a septic tank and well water turn you away from buying?

70,255 5,363 December 4, 2017 at 10:31 AM in Finance (4)
When I was a kid we had a house with a septic tank and well water...but as you all know that was eons ago Stick Out Tongue

I have heard of some horror stories of having to replace the septic tank and it being pretty expensive to do.

I did Google _ for all of you who may have been ready to post the lmgtfy link... and read how you are supposed to take care of them and not add any strain on the tank by not putting coffee grounds down the disposal, no grease from pans, no antibacterial soaps to be used..showers held to like 10 minutes etc.


Sounds like a PITA actually and although I found a nice house that I like.. I am thinking of skipping any with septic and well...

Any personal insights here in the knowledge well we call the lounge?

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Iaaaiws
12-04-2017 at 01:51 PM.
12-04-2017 at 01:51 PM.
Quote from uniquename :
It's not fair to assume that houses with wells and septic tanks do have outhouses?
I'm still planning to drive a well point in my basement as a completely manual backup for my regular well. I wouldn't be above putting an outhouse in the back yard for emergency backup as well but that might cross the line as to my neighbors tolerating me. laugh out loud

I can't say either way for sure but I would put the odds at about 50/50 of there being at least one outhouse within a half mile of my house.
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dealgate
12-04-2017 at 02:31 PM.
12-04-2017 at 02:31 PM.
Nothing wrong with Septic - most people want to get off the grid to the extent possible. You should save about 50% on your water bills since sewage will not be included. I have mine pumped every 3-5 years which also includes an inspection for around $250 and they always say no issues. Mine also has a manhole cover so you can get to the tank without digging. Never use Riddex or any of that other crap in your septic.

If they do run sewer out your way you will have no choice they will hook you up to sewer and start charging you. Same with the well. (in most areas)

Well water is also ok most houses with it also have a purification system.
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User339811
12-04-2017 at 02:35 PM.
12-04-2017 at 02:35 PM.
Quote from dealgate :
Nothing wrong with Septic - most people want to get off the grid to the extent possible. You should save about 50% on your water bills since sewage will not be included. I have mine pumped every 3-5 years which also includes an inspection for around $250 and they always say no issues. Mine also has a manhole cover so you can get to the tank without digging. Never use Riddex or any of that other crap in your septic.

If they do run sewer out your way you will have no choice they will hook you up to sewer and start charging you. Same with the well. (in most areas)

Well water is also ok most houses with it also have a purification system.

it seems to have high reviews?

https://www.amazon.com/RID-X-Sept...INS38?th=1
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Iaaaiws
12-04-2017 at 02:51 PM.
12-04-2017 at 02:51 PM.
Quote from xxxHolic :
it seems to have high reviews?

https://www.amazon.com/RID-X-Sept...INS38?th=1
People just want to make themselves feel good about their purchase and don't want to think that they might have thrown away their money on an unnecessary product. Since there isn't an easy way to tell if it does any good the reviews are likely just based on people not having problems after using it. Most septic systems never have an problems without adding anything so....
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Kabn
12-04-2017 at 03:32 PM.
12-04-2017 at 03:32 PM.
City well and sewer were requirements for both houses I've purchased. Same reasons you gave: I worry about maintenance, and my experience has been that everything up to my actual house is the municipality's responsibility (or they'll at least take care of it when asked), so that's worth paying the extra for sewer and water for me.

I have two closer friends who've had issues with their septic systems, and one was a nightmare that ended up costing him $15K or so (nearly complete replacement). But my parents built a place in 2008 with a septic tank, and they haven't had any issues at all. Think they've had it pumped/serviced maybe once or twice?

While growing up, we had well water, and everyone would take swigs from my jug at soccer/tennis practices because it tasted so much better than the city's. Our well was shared with neighbors, but as far as I know, we never had an issue with access, pressure, or anything else. Wells are very common in that area due to the local geology (lots of limestone with natural pools/aquifers). I assume their viability differs in other places.

But yeah, I personally don't think I'd get a place with septic unless the property was basically perfect in every other way, less than 10-15 years old, and had no history of problems with the septic system. Even then, I'd have someone inspect it thoroughly before signing a contract.
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Iaaaiws
12-04-2017 at 03:42 PM.
12-04-2017 at 03:42 PM.
Scratchchin Just to clarify, are we talking about actual septic systems or is "septic tank" a euphemism for HOA?

If there is a HOA I would flush that choice right off the list.
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Kabn
12-04-2017 at 04:38 PM.
12-04-2017 at 04:38 PM.
Quote from Iaaaiws :
Scratchchin Just to clarify, are we talking about actual septic systems or is "septic tank" a euphemism for HOA?

If there is a HOA I would flush that choice right off the list.
I guess I've lucked out: the two HOAs of which I was a member for a combined ten years weren't bad at all. The worst thing I ever got was a letter that was sent to all members to remind them trash canisters were supposed to be taken back from the street no more than two days after the trucks came around. I think the most expensive dues were $125/year, and they actually did upkeep/snow removal around the neighborhood with it.
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Dr. J
12-04-2017 at 06:43 PM.
12-04-2017 at 06:43 PM.
laugh out loud here in CT if you held out for city sewer/water, you'd have to live in a sewer like Hartford or Norwich !

Well/Septic are the norm here. I grew up on septic but "city" water in CNY which is pretty unusual.

Generally, there aren't special considerations. Septic maintenance is simple, have it pumped every now and then (largely dependent on the tank size and your personal usage). You shouldn't flush everything - it goes to the septic, so you risk blocking up the system. You shouldn't be flushing grease down the drain regardless of if you have sewer/septic. Since septic decomposition is anaerobic, you shouldn't flush food scraps, or at least limit it. We have a disposal, and only use it to shred up incidentals that get down the drain, not as a wholesale food chopper.

As for the well, they can bit hit or miss - literally wells a couple hundred feet apart, can have different water quality, taste, smell, etc. For us, we have a good, deep well, that has a good head (270 ft) and good recovery. Our water does need to be softened, which is a bit more equipment but not much of an additional cost (maybe $4/mo for salt). We have it all maintained once a year, which is about $10/mo. I did have to replace the pump last summer, which was $3000, but they typically last 12-15 years.

The one benefit to having a well is IMHO the water tastes better, and we aren't susceptible to WQ issues on muni water. A local town *just* had an ecoli scare (and boil water advisory) when they found dead birds in the water tower!

Treat the equipment, well and tank right and they will treat you right.
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Dr. J
12-04-2017 at 06:47 PM.
12-04-2017 at 06:47 PM.
Quote from Kabn :
City well and sewer were requirements for both houses I've purchased. Same reasons you gave: I worry about maintenance, and my experience has been that everything up to my actual house is the municipality's responsibility (or they'll at least take care of it when asked), so that's worth paying the extra for sewer and water for me.

I have two closer friends who've had issues with their septic systems, and one was a nightmare that ended up costing him $15K or so (nearly complete replacement). But my parents built a place in 2008 with a septic tank, and they haven't had any issues at all. Think they've had it pumped/serviced maybe once or twice?

While growing up, we had well water, and everyone would take swigs from my jug at soccer/tennis practices because it tasted so much better than the city's. Our well was shared with neighbors, but as far as I know, we never had an issue with access, pressure, or anything else. Wells are very common in that area due to the local geology (lots of limestone with natural pools/aquifers). I assume their viability differs in other places.

But yeah, I personally don't think I'd get a place with septic unless the property was basically perfect in every other way, less than 10-15 years old, and had no history of problems with the septic system. Even then, I'd have someone inspect it thoroughly before signing a contract.
They probably needed a new leach field/gallery. It's pretty simple, but very labor intensive to install. How does this happen? Don't pump the septic frequently-enough, and solids that would usually settle to the bottom, make it out into the field and block it. Requiring a new leach field is indicative of a long period of neglect. Amazing how people will avoid paying $200 for the septic to be pumped ever 3-4 years, risking $15-$20k on a new leach field. It's impossible to pump the tank too often, really. You can use a chartlike this [umn.edu] to get an idea of how often it should be pumped, but fewer people and larger tanks = longer spans between pumpings.
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Dr. J
12-04-2017 at 06:49 PM.
12-04-2017 at 06:49 PM.
Quote from Fallacy :
Water and sewer have potential pit falls too. If your main sewer line collapses, that's an easy $10k-$25k to get it replaced. If your main water line springs a leak, that's also $$$$. This is more common in older communities, though, so if you're looking at houses from the 90s you should be fine with city sewer/water.

But hey there's no maintenance!
/Flint
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uniquename
12-04-2017 at 07:26 PM.
12-04-2017 at 07:26 PM.
Quote from Iaaaiws :
I'm still planning to drive a well point in my basement as a completely manual backup for my regular well. I wouldn't be above putting an outhouse in the back yard for emergency backup as well but that might cross the line as to my neighbors tolerating me. laugh out loud

I can't say either way for sure but I would put the odds at about 50/50 of there being at least one outhouse within a half mile of my house.

Men don't need outhouses. We can just pee anywhere.
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Iaaaiws
12-04-2017 at 08:31 PM.
12-04-2017 at 08:31 PM.
Quote from uniquename :
Men don't need outhouses. We can just pee anywhere.
I usually do that both at home and at work. laugh out loud
At work I generally pee off the side of the truck unless it is really windy. If it is windy I have to climb down and go under the truck where the wind is blocked. Annoyed
At home if I am outside or at the shop I'm not going to bother going inside just to pee. Dontknow
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Kabn
12-05-2017 at 08:07 AM.
12-05-2017 at 08:07 AM.
Quote from Dr. J :
They probably needed a new leach field/gallery. It's pretty simple, but very labor intensive to install. How does this happen? Don't pump the septic frequently-enough, and solids that would usually settle to the bottom, make it out into the field and block it. Requiring a new leach field is indicative of a long period of neglect. Amazing how people will avoid paying $200 for the septic to be pumped ever 3-4 years, risking $15-$20k on a new leach field. It's impossible to pump the tank too often, really. You can use a chartlike this [umn.edu] to get an idea of how often it should be pumped, but fewer people and larger tanks = longer spans between pumpings.
Unfortunately for my friend, it was a house he had purchased less than a year before, so the neglect was done by someone else. He explored legal options for making the previous owners pay a percentage, but was told fault/nondisclosure would be too difficult to prove.
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uniquename
12-05-2017 at 08:15 AM.
12-05-2017 at 08:15 AM.
Quote from Iaaaiws :
I usually do that both at home and at work. laugh out loud
At work I generally pee off the side of the truck unless it is really windy. If it is windy I have to climb down and go under the truck where the wind is blocked. Annoyed
At home if I am outside or at the shop I'm not going to bother going inside just to pee. Dontknow

Pro tip, get a nice potted plant in your bedroom in case you wake up and don't want to walk far.
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Dr. J
12-05-2017 at 08:51 AM.
12-05-2017 at 08:51 AM.
Quote from Kabn :
Unfortunately for my friend, it was a house he had purchased less than a year before, so the neglect was done by someone else. He explored legal options for making the previous owners pay a percentage, but was told fault/nondisclosure would be too difficult to prove.

Yes difficult. It's literally something you wouldn't know about until you got a backup. It may be possible to do a camera inspection from the distribution box but I've never seen that offered. Generally septic inspections involve pumping the tank(s) (current owner pays for this) and someone eyeballing it looking for cracks, root penetration, etc. There isn't a whole lot to inspect unfortunately.

You wouldn't think something so simple would be so expensive to replace. A leach field is literally a series of pipes with holes in them, surrounded by stone and topped with dirt that let the black water leach out into the surrounding soil. So, the materials aren't expensive but the labor is heavy. My parents have a story of when they bought the house I grew up in - the septic had been neglected by the previous owners. Rather than hire a company, they hired some manual labor for "beer and wings" money, and did it themselves. This was like 35 years ago, back when you could do such things. Now, everything needs to be permitted, insured, etc etc which drives up the cost.
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Last edited by Dr. J December 5, 2017 at 08:54 AM.
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