 
So you are thinking of buying property on an island? For those who do,
and ultimately choose to call this island home, the rewards are many.
As island residents, I enjoy the very best of uncomplicated living.
Our mild weather, glorious scenery, minimal traffic, friendly people,
superb cultural events, award winning restaurants, abundant wildlife
(including our resident Orca whales) and charming villages all contribute
to an exceptional way of life. If you feel the need to escape the island
for a weekend, we are but a short ferry and freeway ride from three of
North America’s premier cities; Seattle, Washington and Vancouver and
Victoria, Canada.
But island living is not for everyone. If you can’t stay away from the mall, have a need for a daily fast food 'fix' or find your 'home away from home' is Home Depot, you may find island living a bit confining as there are no opportunities on the islands for these activities. It is quite simply far to quiet and laid back on the islands for many people. I quickly discovered that there are a number of considerations which make buying property on an island somewhat different than buying property on the mainland. 
WATER:Like many islanders I get my drinking water from a private well. Others are connected to one of a variety of large and small community water systems. A few homeowners are now opting for alternative water systems such as reverse osmosis and rainwater collection systems. Water in the islands is definitely not as plentiful as it is on the mainland. When purchasing property, I will ask to seller to document the quantity of water available to you. Our purchase and sale agreement will include, as a condition of the sale, your right to determine if the amount of water available will meet your needs. You will also receive a report on the quality of the water. If you are thinking of having a large vegetable garden or extensive landscaping, you may find some wells and water systems inadequate. I can help you understand how the quantities relate to your needs. Most of us who live in the islands have found that we can get by with far less water than we were previously accustomed to using. SEPTIC: Almost all of the properties on the islands are served by individual septic systems. The exception on Orcas is in the area around Eastsound Village which is served by a community sewer system. If you have never owned a home served by a septic system, you may find them to be somewhat of a mystery. Actually, properly designed and maintained septic systems can give the homeowner years of trouble free service. If you are buying a home with a septic system installed, you will want to pay to have the system inspected before closing. The cost is about $200. The inspector will tell you about the condition of the system and if repairs are needed. I would, of course, ask the current owner to pay for any repairs as well as have the system pumped, if necessary. If you are buying a piece of vacant land, I will confirm that the property comes with a valid septic design and permit for the number of bedrooms you may want to have in your island home. On most properties a county approved septic permit has already been completed. UTILITIES: Most properties have power and telephone service available at the property line. However, this is not universal and, in fact, you need to locate the power source nearest to your property boundary and find out from the power company how much it will cost to bring the utilities to your future home site. I can make arrangements for an OPALCO representative to make a site visit and discuss the relevant issues with you. In most cases the telephone lines are in the same location as the power lines. It is a good idea, however, to confirm this with telephone company representatives. Because all utilities must be underground I can also connect you with an excavator who will help you understand the costs involved in trenching to the housesite. ESCROW AND TITLE INSURANCE: Buying property has some inherent costs and escrow and title fees are among those costs. Escrow fees are based upon the purchase price and are customarily split between the buyer and the seller. Standard title insurance is the responsibility of the seller. You may desire the added protection of Extended Title Insurance. This policy, which is customarily paid for by the buyer, includes a complete survey of the property and clearly establishes the location of all buildings, easements and property lines. I can provide you with an estimate of these costs on a property that you may wish to buy. 
LAND BANK TAX:San Juan County is the only county in the United States comprised totally of islands; 172 in all. It is also the only county in the state of Washington that has chosen, by approval of the voters in two elections, to assess a 1% tax on the purchase price of every real estate transaction. The monies derived from this tax are used to preserve the pristine rural nature of the islands. This is accomplished through the purchase of land or the acquisition of conservation easements on sensitive parcels of land. This one time tax is levied at closing and is paid by the buyer. SHORELINE MANAGEMENT: If you are considering the purchase of a piece of waterfront property, you should be aware that all of the land within 200’ of the high tide line is under the jurisdiction of the State Shoreline Management Act. A waterfront property owner is required to comply with special regulations that cover such things as tree removal and the construction of buildings, trails and docks. CONSTRUCTION: If you are purchasing a piece of undeveloped land and plan to build in the future you may be wondering if there are competent craftsman and trades people here on the island. The answer is YES! The island has many qualified contractors and subcontractors who can help you make your dream of building your own home a reality. They have always been very accommodating when I have asked them to meet our client on a site to discuss a building project. ZONING: Recently San Juan County adopted a Comprehensive Plan which addresses the issues of density and land use. This plan directly impacts how you can develop your property and whether it would be permissible, in the future, for you to subdivide or modify the boundary lines. These are complex issues and I’ll help you understand how the Comprehensive Plan affects your particular parcel of land. 
GUEST HOUSES:Many people who are building would like to have a guesthouse on their property . The county defines a guesthouse as a separate building with a full kitchen. Currently it is not permissible to build a guesthouse that is detached from the main house on most properties in San Juan County. While this moratorium may be overturned at some point in the future, if your plans include a guesthouse, you need to study this issue thoroughly. SUMMARY: As your agents, I will be happy to help you make contact with the service people and contractors who can answer questions regarding any of the issues discussed. If, because of your schedule or where you live, you would find it difficult to be on island, I will meet with these representatives on the property to be sure your questions are properly communicated. It is important to us that you receive the information you need to make informed decisions. There are undoubtedly many other questions and concerns that may arise during your search for the perfect property. I will do my best to answer your inquiries or direct you to knowledgeable people. | |