source:
  type: guide
  id: hud-4000-1-ii-l-crawl-space-observation-requirements
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — l. Crawl
    Space Observation Requirements (04/18/2023)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — l. Crawl
    Space Observation Requirements (04/18/2023).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-l-crawl-space-observation-requirements-full
  canonical_id: hud-4000-1-ii-l-crawl-space-observation-requirements-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — l. Crawl Space
    Observation Requirements (04/18/2023)
  type: do
  tags:
  - regulator-direct
  - fha
  - hud-handbook
  - corpus-expansion
  - tier-operative
  primary_source:
    tier: 1
    authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — l. Crawl
      Space Observation Requirements (04/18/2023)
    source_class: hud-handbook
    source_url: https://www.hud.gov/hud-partners/single-family-handbook-4000-1
    snapshot_id: 8c03836f77f317e1
    fetched_at: '2026-05-23T00:28:40Z'
    content_hash: sha256:411430f29b13f9b54a2ebb0e6f6e7087ecd2b90d0da22eb0c8c792eaa2d7d0df
    paragraph_quote: 'l. Crawl Space Observation Requirements (04/18/2023) The Appraiser
      must visually observe areas of the crawl space to the extent these areas are
      safely accessible. The Appraiser is not required to disturb insulation or move
      items that obstruct access or visibility. If the observation reveals evidence
      of a deficient condition (such as excessive dampness, insufficient ventilation,
      or smell of mold, etc.), the Appraiser must render the appraisal subject to
      inspection or subject to repairs, in compliance with the Repair Requirements.
      The Appraiser must report when the crawl space is not safely accessible. The
      Appraiser must complete the appraisal subject to inspection by a qualified third
      party only if further observation of inaccessible crawl space area is necessary
      to determine compliance with MPR and MPS. II. ORIGINATION THROUGH POST-CLOSING/ENDORSEMENT
      D. Appraiser and Property Requirements for Title II Forward and Reverse Mortgages
      3. Acceptable Reporting Forms and Protocols (04/10/2025) Handbook 4000.1 834
      Last Revised: 11/26/2025'
  judgment: false
