5 Questions You Should Ask While Buying a Waterfront Property

If you’re looking for a relaxing and serene place to call home, you should consider buying a waterfront property from sites like.

However, there are several critical factors to consider before purchasing. This article will explain five questions to ask while choosing a waterfront property.

1) What Is the Zoning for This Property?

For example, Texas has five types of zoning for waterfront property: Open Space, Agriculture, Rural Residential, Suburban Residential, and Urban.

Each type of zoning has regulations that determine what you can and cannot do with the property. For instance, in an Open Space zone, you may be able to build a home, but not a business.

It’s important to know about the zoning so that you can be sure that you can use it for the purposes you have in mind. Additionally, you should ask things like who is responsible for maintaining the waterfront and what kind of access do other people have to it? Is it private or communal property? Are there any regulations in place?

2) What Is the Elevation of the Property?

The permits vary based on your state, the body of water, and property location. For example, if it is located within a HomeOwners Association, there might be different rules to follow. 

The elevation is important to know for several reasons:

First, there could be mandatory flood insurance requirements if the property is located in a FEMA-designated flood zone. Second, the elevation will give you an idea of how susceptible the property is to flooding during severe weather events. 

Lastly, the elevation can impact your ability to get a mortgage. 

If the property is in a high-risk flood zone, some lenders may not be willing to provide financing for the purchase. 

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3) Are There Any Restrictions On What You Can Do With the Property?

Waterfront properties are often subject to various regulations that dictate how the land can be used. For example, some properties may only be used for residential purposes, while others may allow for commercial development. 

Therefore, it’s important to know what restrictions are in place before you purchase a piece of waterfront property to ensure it meets your needs.

If it is a residential property, some restrictions include:

-The property cannot be used for business purposes

-There can be no more than one dwelling on the property

-Setbacks from the water’s edge may be required

-There may be restrictions on the type of dock or pier you can build

4) What Is the Average Price of Homes in This Area?

The median sale price of Texas homes topped $325,000 during the first quarter of 2022, an increase of 18.6% compared to last year. Waterfront properties are typically priced at a premium, so it’s important to know how much you can expect to pay.

Additionally, you should ask who is responsible for maintaining the property (e.g., mowing the lawn or shoveling snow) and whether there are any restrictions (e.g., no fishing or swimming).

5) How Much Does It Cost To Maintain a Waterfront Property?

Some people believe that waterfront property is cheaper to maintain than regular one, but this isn’t always the case. Living on a river or lake may require things like erosion control. Living on the ocean may have to deal with things like saltwater damage and high winds. Either way, it’s important to factor in the cost of maintaining your property before making an offer.


Whether you want to build your dream home or search for an investment, consider these key questions before purchasing waterfront property.


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