10 questions before you buy on a Pennsylvania lake

Print it, save it, or send it to your agent. Ask these before you sign, and get the answers in writing. Each question links to a guide that explains why it matters.

1. Does this home come with deeded lake rights, and what exactly do they include (swimming, boating, docking, guests)? Lake rights vs. lakefront
2. Who owns the lake and the dam, and who pays when the dam needs work? Private dams
3. What does the dam's latest state inspection report say, and is an emergency action plan in place? Dam records explained
4. What special assessments were charged in the last ten years, and are any planned? (See the resale certificate.) Resale certificate
5. How big are the association's reserves, and is there a reserve study? Private dams
6. What boats and motors are allowed, and does this home have a dock or slip that transfers to you? Lake rights vs. lakefront
7. Can you rent the home short-term under both the township's ordinance and the community's rules? Short-term rentals
8. Has the lake had harmful algal blooms, and who tests the water? Algae blooms
9. What do the septic permit file and inspection show, and what did the well-water test find? SepticPrivate well testing
10. Is the home in a FEMA flood zone, and what would flood insurance cost? Flood insurance

Want the answers organized? The Lake Home Due-Diligence Kit turns these into worksheets, scripts and a closing timeline. $19, includes one Lake Dossier. See the Kit.

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