source:
  type: guide
  id: va-m26-7-ch12-t19
  authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 19 — Community
    Water Supply/Sewage Disposal Requirements
  description: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 19 — Community
    Water Supply/Sewage Disposal Requirements.
  coverage_tier: operative
obligations:
- id: va-m26-7-ch12-t19-full
  canonical_id: va-m26-7-ch12-t19-full
  section: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 19 — Community
    Water Supply/Sewage Disposal Requirements
  type: do
  tags:
  - regulator-direct
  - va
  - va-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: VA Lenders Handbook (VA Pamphlet 26-7), Chapter 12, Topic 19 — Community
      Water Supply/Sewage Disposal Requirements
    source_class: va-handbook
    source_url: https://www.benefits.va.gov/warms/pam26_7.asp
    snapshot_id: 824171a914866a59
    fetched_at: '2026-05-23T01:53:53Z'
    content_hash: sha256:71efd8bb39bb5596ad194f1b13e6f979cfa1afbf5566e897e26836fc1ab0429e
    paragraph_quote: '19. Community Water Supply/Sewage Disposal Requirements Change
      Date March 28, 2019 • This chapter has been revised in its entirety. a. Community
      Water/Sewer to be Noted in an Appraisal A community water/sewage system refers
      to a central system that is owned, operated, and maintained by a private corporation
      or a nonprofit property owners’ association. The appraiser must note that the
      property is on a community water/sewage system in the appraisal report. b. Sufficient
      Water Supply The water supply must be sufficient in size for the project. Water
      quality must be approved by the local or state health authority. c. Adequate
      Size Sewage System The sewage system must be adequate in size and properly operated
      and maintained to prevent it from becoming a menace to public health. d. Local/State
      Authority Approval The lender must obtain evidence of approval of the facilities
      by the local or state health authority. e. Trust Deed A trust deed is required
      if the local or state authority that approved the system does not: • enforce
      compliance with its requirements, • fix rates, and • provide for prompt relief
      in case of deficient operation, service, or exorbitant rates. f. Trust Deed
      for Private System If a trust deed is required for a privately-owned system,
      it should be similar to the trust deed found in HUD Handbook 4075.12. VA Pamphlet
      26-7, Revised Chapter 12: Minimum Property Requirements 12-27'
  judgment: false
