source:
  type: guide
  id: hud-4000-1-ii-e-swimming-pools
  authority: FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Swimming
    Pools (09/14/2015)
  description: FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Swimming
    Pools (09/14/2015).
  coverage_tier: operative
obligations:
- id: hud-4000-1-ii-e-swimming-pools-full
  canonical_id: hud-4000-1-ii-e-swimming-pools-full
  section: FHA Single Family Housing Policy Handbook 4000.1, Part II — e. Swimming
    Pools (09/14/2015)
  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 — e. Swimming
      Pools (09/14/2015)
    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: 'e. Swimming Pools (09/14/2015) The Appraiser must report readily
      observable defects in a noncovered pool that would render the pool inoperable
      or unusable. If the pool water contains algae and is aesthetically unappealing,
      but the Appraiser has no evidence that the pool is otherwise contaminated, no
      cleaning is required. Swimming pools must be operational to provide full Contributory
      Value. 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 4000.1 830 Last Revised: 11/26/2025
      The Appraiser must condition the appraisal report for pools with unstable sides
      or structural issues to be repaired or permanently filled in accordance with
      local guidelines, and the surrounding land regraded if necessary. If the swimming
      pool has been winterized, or the Appraiser cannot determine if the pool is in
      working order, the Appraiser must complete the appraisal with the extraordinary
      assumption that the pool and its equipment can be restored to full operating
      condition at normal costs.'
  judgment: false
