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Old 01-29-2009, 02:11 PM
1 posts, read 3,068 times
Reputation: 11


Sorry if this is a silly - but we bought a house about 5 years ago and when we bought it the assessed square footage was 1750. The garage which was attached was turned into a family room back in 1954 and it was permitted, but no plans were done or turned it.
When we did a refinance, the sqaure footage that they came up with was about 700 sq footage more than what the assessors office states. We think that back in 1954 that even though it was permitted the square footage was never added.
Is there a real reason to get it adjusted? If we do adjust it can they come after us for back taxes owed? What benefits or disadvantages are there to getting this sq footage added?
Here is my take - my only concern is my HO insurance which has the square footage listed as the lower amount - if anything happens to the house wouldn't we only be covered for the assessed square footage? Thus leaving us high and dry for the remaining actual amount of square footage...that is scary! Can anyone help me with this? Thanks for your time everyone.

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Old 01-29-2009, 02:55 PM
1,319 posts, read 3,871,713 times
Reputation: 1135
Notifying the govt and letting them change things is opening a can of worms which will bite you in the rear.

As for your insurance, talk to your agent. You aren't the first person with this issue.
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Old 01-29-2009, 04:01 PM
Location: RSM
5,113 posts, read 18,193,536 times
Reputation: 1902
the only benefit i can think of would be you would add it to your MLS listing whenever you sell the house. that added 700sqft looks nice to a lot of buyers that wouldnt otherwise be listed if it was not under permit
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