Box score Gordon Central won last month The Gordon Central (Calhoun, GA) varsity basketball team won Friday's away conference game against Fannin County (Blue Ridge, GA) by a score of 60-51. If the road up the the subdivision seems very steep, its well worth considering whether its worth it. Honey Grove, Texas - Opposition continues to grow against a wind farm planned for Fannin County, as evidenced by a standing-room-only crowd of approximately 150 people who filled Lyday Hall Tuesday evening in Honey Grove. Thats good for buyers, because there are more properties on the market to choose from, and sellers are less likely to be in a position to hold out for the highest possible price. Multitenant sites (shopping centers and/or office parks) can utilize 15-foot height with a 50 percent reduction of the total area of the sign subject to approval by the Fannin County land development . FANNIN COUNTY BOE FY21 BUDGET 8-13-2020.xls.pdf Current Tax Digest. land owners and the residents of Fannin County. One restriction that Im seeing more often, one that I particularly like, is that not more than 50% of the trees originally on a lot can be cut. Fannin County Clerk Official Public Records. In most cases, they are sure it is worth a lot of money, money that they need for retirement, or college education for their kids, or for some other purpose. The environmentalist then tells you whether or not you can build there. (a) The commissioners court of a county with a population of over 250,000 or a county adjacent to a county with a population of over 250,000 may adopt a fire code and rules necessary to administer and enforce the fire code. But what about the value proposition? Build your own cabin or buy an existing cabin? In our area, weve gone through several distinct generations of log homes. So read on, and familiarize yourself with our market before you buy! Its a big decision, and there are a few things I always like to tell people before they make it. Our covenants have evolved over the years, from no trailers, no junk cars, no livestock to more detailed restrictions. 3 Bedroom, 3 Bath with vaulted ceilings, and spacious Kitchen with separate Dining Alcove. While Georgia state law does not offer a specific definition for property line fencing, the general definition is a fence or natural barrier such as a hedge on or near the property line. For another, you wont have the katydids andwoodland creaturesif you do. In March 2008, Fannin County began notating the plats for subdivisions with very steep roads with a legend to the effect that the county cannot guarantee fire protection to the subdivision. Youll only be able to sell if you find a buyer who wants to pay cash. preliminary plat application fayette county planning & zoning department 140 stonewall avenue west suite 202 fayetteville, georgia 30214 770-305-5421 Now, that woman had paid property taxes on her investment for over fifty years. The typical response from our sellers, when faced with a lowball offer, is something like this: If I cant get what I want for it, Ill just hold on to it until I can. They usually race into the month of September, and then close for the year. (The same person told me that carriers are becoming increasingly nervous about rental hot tubs, due to some large claims that have recently been filed for infection and disease. Review the addendum carefully before signing and get competent advice if you are confused by the legalese. At this point in the cycle, any lot with less than 1.8 usable acres is dubious for septic approval. Of course, that sort of thing is hard to find at any price, and impossible to find at that price, but thats what they wanted. (It is also important to realize that you will not receive a General Warranty Deed on a foreclosure sale.). 31-3-5, are limited to regulate in six specific areas: 1. Obviously, premiums increase as we move up this ladder. With the original soil science test in hand, with the seal of the soil scientist affixed, you then visit Land Development, which is the county department in charge of issuing building permits. In general, the tighter the restrictions the better, unless you really want to do something that is restricted (like rent your cabin in a development that forbids it). Folks who come up from the city seem to take it for granted that mountain counties have zoning, but it aint necessarily so. Our recommendation based on this is pretty simple. Also, its often a matter of neighborhood contention if nothing is set up. Leonard Public Library This is one important reason to accompany the soil scientist when he does the soil work. 1,806 Sq. In dealing with any builder, it is important to get more than one quote, and to specify exactly what you want in terms of basic construction and upgrades. Its also best to be there when environmental health goes out to look at the lot for permitting, because if they tell you that it cant be built whereyou want to build it, at least you can discuss the alternatives with them on site, instead of back in the office. Why do you need one? This is a moving target, because every year, it seems that the regulations require more land. Fannin County was named in Fannin's honor, as were the town of Fannin in Goliad County and Camp Fannin, a U.S. Army installation. North Georgia Blue Ridge Mountains | Clyde Holler. Official Georgia City and County Regulations for Retaining Wall Building Permits and Engineering Requirements Below is an information table of Georgia counties and cities with the height of a retaining wall that requires permitting and engineering. "Ransomware is a form of malware designed to encrypt files on a device, rendering any files and the systems that rely on them unusable. The ordinance passed in a 3-2 vote. Office: 706-258-2791 | Fax: 706-258-3748. technologyhub@fannin.k12.ga.us. And, no matter how expensive, they tend to be cabins, designed for weekend occupancy, rather than year-round homes with things you would expect in the city, like a large kitchen pantry and walk-in closets in the master bedroom. 1,163 Sq. However, this doesnt seem to diminish their appeal. . While I encounter some people who think the newer designs arent cozy and dont look cabin-like, most people love them. What does it all mean? Land Use Center 309 E. Market Street Smithfield, NC 27577 (919) 989-5150 planning@johnstonnc.com There are dozens, if not hundreds, of log kits on the market. But they havent yet reached the level of craziness usually associated with big city condo and neighborhood associations. Ive noticed that especially with my younger buyers, once theyve seen the newer ones, they have no interest in the older ones that are less open and darker no matter how much more reasonably they may be priced. There are certain exceptions to the lot size requirements. Once that is done, they cant take it away from you, except in exceptional instances. Fannin County Official Public Records. Id like to tell you that all mountain builders are good builders, but that isnt true. If you can be there, thats best. In our market, with the exception of some high-end, round-log cabins, the materials for which are usually imported from the west (Montana, for instance), most of our log cabins are pine, and most are built from kits, not from logs cut and hewn on the premises. In rare situations, covenants can be altered, and theres seems to be some debate about whether they expire after a certain period of time elapses. FANNIN COUNTY, Ga. - Fannin County is responding to their systems being attacked by Ransomware that was discovered last week. Fannin County is inviting you to a scheduled Zoom meeting. The county boards of health, under O.C.G.A. Please note that Im not talking to serious, seasoned investors those people who own six or more rental properties. The Sugar Creek Raceway and Your Little Cabin. According to my sources in the insurance industry, this does not affect insurance ratings, which are still done by distance from the fire station. The Texas Water Development Board (TWDB) today approved by resolution financial assistance in the amount $5,696,000 to the City of Leonard (Fannin County), consisting of $2,850,000 in financing. He then rates the soil as to type, which indicates the rate of absorption, or percolation rate. I recently tried to get some updated information on this issue for one of my buyers and basically hit a stone wall. Our office issues: land disturbance permits, review plats and all subdivisions for sign off and recording, sign permits, Adopt-A-Road program and maintains the Right-of-way information on County Roads. There are some definite tradeoffs, as I mention in my article on zoning. In real estate theory, the principle of conformity states that a given cabin will appreciate best in a neighborhood of similar cabins. This Code constitutes a publication of the general and permanent ordinances of Fannin County, Georgia. The main area that is affected by noise from the track is the Sugar Creek Road itself, the Boardtown Road, Chestnut Gap Road, and anything on the north side of the ridge between 515 and the Sugar Creek Road Maxwell Road, Moss Lane, or the Bullen Gap Road, for instance. stream In our market, the banks have been pretty stubborn about their listing price. If it is not properly reapplied regularly, the exterior siding will darken, at which point, you might as well stain it brown. The listing sheet available on the MLS, which your agent should furnish you, will say whether there are covenants and restrictions. I have heard that it can be heard from the ridges in Cashes Valley and even (faintly) from the top of Doubleknob, which is a considerable distance southwest. In my real estate practice, Ive had many, many pieces of land that I could have sold or could have sold at a higher price if I could somehow have removed the restrictions and sold them as unrestricted land. Fannin County Land Development 400 West Main Street, Suite 101A Phone:706-258-5170 Email: mwoody@fannincountyga.org Business Hours: Monday through Friday 8:00AM-5:00PM, Chief Land Development Officer: Marie Woody. First and most obviously a foreclosed property is one that the market has rejected. Obviously, its some sort of CYA for the county, but the implications beyond that arent clear. The attached diagram illustrates the law. endobj Its crucial to spend some quality time on the lot, preferably over a period of several days, preferably from dawn to dusk. % One local attorney has recorded a number of covenants with the ambiguous stipulation, No large and/or potentially dangerous breeds of dogs. Thats every dog, right? Its greatif this can be part of the cutting that you want to do anyway, for the view or for other reasons. Another thing to consider is whether you plan to use your place mostly in the winter or the summer. Many people consider it the finest lake in Georgia. In some cases, the builder paid way too much for the lot, betting on an appreciating market. Its no secret that we been ina resort market version of a buyers market, but thats a little different from a normal residential buyers market. Watch where the sun rises and sets, and look for patches of sun and shade. Phone: (706) 632-7445 ext. When the lot is near running water, especially but not exclusively the Toccoa River, special regulations come into play. All signs within the County of Fannin shall be a maximum of ten feet in height subject to the following limited exceptions: (1) Multitenant sites. Fifteen years ago, it was normal to simply forbid temporary structures, mobile homes, and animal husbandry. Obviously, a builder who sees foreclosure looming isnt going to spend money maintaining the property. Fannin County Detention Center Suggest Edit Address 2389 Silo Road Bonham , Texas , 75418 Phone 903-640-4171 Fax 903-640-0832 Website geogroup.com Fannin County Detention Center Services Records Inmate Searches, Jail & Prison Records Fannin County Detention Center Details Type County Facility Inmate Capacity 528 Most folks, though, I think are wise just to avoid situations where what they want to do conflicts with the covenants. Its no secret that were hot for log homes, and there are a few things that people should know before they invest in one. You must speak directly to the environmentalist and assure yourself that it is so. In some cases, its because it isnt a very attractively designed and sited house. For instance, there is a certain development in Gilmer County that is notorious in the real estate community for its lack of conformity, as it countenances everything from camping trailers to yurts to brick mansions on the river. Any adjacent property owner can execute an . The harsh fact is unfortunately this: A foreclosed property is usually a property that has been built by a builder who is a failure. Fannin County Building Department 400 West Main Street Suite 101 Blue Ridge, GA 30513. Its very beautiful, and is quite peaceful because no gasoline motors are allowed. In a lot of other cases, the builder didnt put all the money he borrowed into the house. Create a free login to search deeds, liens, oil & gas leases, right of ways, plat maps and more. Ive seen very few log cabins that carry the logs all the way up to the roof, and the reason is simple cost. In recent years, weve also seen builders buy lots on the retail market and build spec homes on them. Some people dont want any more neighbors, and are apt to tell them anything to discourage them from buying. No building or structure may . The bottom line is that right now is a very good time to buy, but buyers cant expect except in rare instances to steal something. This home sits on 7.5 acres, includes a 650 sf barn w 3 rollup doors and a newly built 30x24x12 garage. While there is no building on the actual lake frontage, this lake enjoys a full pool all year long. If you buy them through us, our role is essentially to act as a buyers representative. If you are an end-user, not an investor, your interests may be better served by having our advice as a buyers representative. In a similar way, some buyers fib to their insurance company. Some say that if someone tells you hell be over on Friday, you should be sure to ask him if he means this Friday. Let me repeat that. But there have been setback, between record . Stock car auto racing is the indigenous sport of the mountains. Laundry rooms are usually closets, and often are designed for stack units, which work fine, but have about 2/3 the capacity of the ones you have at home. Fannin County comprises 895 square miles of mainly blackland, with a claypan area in the north near the Red River. Heres where an experienced tree man, who knows how to climb, can be invaluable. One of my clients owned a lot on the river that she bought around 1950. Obviously, its stupid to build a mansion in the middle of a trailer park. County, Official ContactsTexasFile provides free search access to . The staff is comprised of 74 certified teachers and staff, 23 classified staff members, 4 administrators and 1 . About 80 miles of this are national forest, which severely limits the availability of property and drives price. Because of the drawdown, docks may not be usable in the winter, depending on the lake and location. Finally, there is coverage on vacant land for liability that might accrue from an accident or incident on the property. Anything you want to buy that has an existing dock has to be investigated to make sure the dock permit exists and is valid. SUBCHAPTER C. FIRE CODE IN UNINCORPORATED AREA. You will be required to have a sign on the lot identifying it, and you will be required to mark the proposed footprint of the cabin. Isnt the bank willing to settle for a whole lot less less than its worth? But you should go into it with your eyes open, knowing that it is a big commitment. The only other option is to have it soda or corn cob blasted, an expensive process. People who are scrupulous about maintaining the original look of their cabins reapply the Sikkens every three years. Why shouldnt the owner pay for it? Thats loan fraud. Help us create a safer learning environment! But in a weaker market, his product didnt stand up to the test. Most of our buyers need a little education on things like wells, septic systems, gravel road maintenance, and local politics. In some cases, it just wasnt very well built in terms of fit and finish. These are some of the things I like to discuss with my buyers, so they can make an informed decision leading to an investment that will appreciate in value and provide the best mountain living has to offer. Lets start with the lot. Lake Blue Ridge has about 100 miles of shoreline. But you should be aware that septic approval is a moving target, and it is done on a case-by-case basis. The setbacks from the property lines is 15 feet. In the case of a resale, its often because it wasnt well maintained. But the required system might cost more than you want to spend. Of the 254 counties in the Lone Star State, Fannin County ranks 170th in terms of size (575,285 acres). After Hours Public Health Emergencies 1-866-PUB-HLTH (782-4584) Other Env Related Contacts Brochure State Office: Phone: 404-657-6534 E Fax: 404-232-1699 There is some public property on Chatuge, but most of the lake is developed. Farms for sale in Fannin County hold livestock . If youre thinking of building, see also my article on Building vs. Buying.. Weekend and weekly rental properties fall under a Commercial Rental Dwelling Policy, which typically has higher available liability limits and may include coverage for loss of business income. REGULAR COURT IS STILL SCHEDULED AT 9:00 AM. Information for local governments wanting to become authorized agents of the TCEQ and run the program. But the buyers also insisted on including in their offer a long list of things they wanted done to the cabin before closing, personal items they wanted included in the sale, and some rather high ticket landscaping items. Position DescriptionAbout Harris County Public HealthHarris County Public Health (HCPH) includes aSee this and similar jobs on LinkedIn. Exception application; Property ID# 74500, to allow a 50' side setback on the north side . Fannin County Building Department lj 2023-02-24T11:59:04-05:00. However, it should appear if applicable on the master plat for the subdivision filed with land development. Chatuge is the largest in terms of shoreline, with about 130 miles of shoreline. Ordinance of 08-08-2010 (1) Adopted 8/8/10 So the number one restriction is probably against mobile homes. This would not be the cabin owners fault, although it would probably still lead to denial of the claim. I would be willing to wager that this is the case about 80% of the time for rental properties in our area. Years ago, it was a destination for muskellunge, and some say there is still a small population. (But it does happen. Theres also an associated website, www.easyloghome.com. The first few decisions you make will be the most crucial, and you will have to live with them for a long time. 2 0 obj Our experience has been different with short sales. Instructional Technology Website. Please note the following information: <> A request to the electric company to have a meter set triggers a request for a septic permit. In our market, many transactions are made for cash in the first place, and many others are made as long-term investments. The Pirates come into the non . Prospective buyers should also be aware that while we are now building some large log homes, usually about $350,000, that have some of the features of traditional homes, most log cabins have much less closet and storage space, smaller master bedrooms, and smaller kitchens than traditional homes. Georgia High School Football - Fannin County tipped by Callaway November 18, 2022: Hogansville, GA 30230. Today, it is not uncommon for developers to specify minimum square footage and type of siding. This is why the soil science test is often referred to as a perk test. He marks the location of his core samples on your plat, and provides notations as to type of soil and their suitability for a septic field. Im saying I cant give you a septic permit.), Foreclosures and Short Sales: An Introduction. %PDF-1.7 The inspection report will show the type and location of the on site sewage management system. (Full pool is considered 1690.) For the past few years, weve had some of the classic marks of the buyers market an increasing number of listings and a decreasing number of transactions. In our area, covenants and restrictions have tended to improve and tighten over the years. If people can afford a second home in the first place, they canoften afford to wait until they get the price they want for it when they decide to sell. Were beginning to see some lot and land sales, so its time for me to share some thoughts on developing your lot. The time to nail these details down is before the building starts. Given that the cost of a conventional septic system generally doesnt exceed $5000, it is a very good precaution. It would normally be found on the first page, which includes general information and signatures. As of the 2020 census, its population was 35,662. But are they always the best deal? But its stressful for the seller, too. START HERE Submit Photos Of Road Problems In cases where the septic system exists but a septic permit cannot be located, you will be required to uncover the septic system for inspection in order to receive a permit. Fannin County Jail Inmate Money Deposits Announcement - January 4, 2023. If you are not familiar with the different coverages offered by insurance companies, it is quite possible that you have the wrong coverage on your mountain cabin, and might be denied payment through no conscious fault of your own. These days, they are usually finished with a Sikkens product that is fairly clear (there are several popular choices). There are quotas on dock permits in most cases, and it isnt easy to get a new one issued. This is probably the major due diligence issue. In extreme cases, the only remedy may be to sell and move further out of town, so it is a good idea to factor in how long you expect to hold the property. The TVA has recently agreed to keep the lake levels higher all winter and wait longer to begin the drawdown, but there are no guarantees with the TVA. Even if the bank is willing to settle for what they have in it, that doesnt mean that the property is worth what they have in it. Twitter: @FanninSchools. It didnt take long for the answer to come back from the sellers agent. I did it myself when I built a $20,000 patio room on the back of a renovated house in an emerging neighborhood in Atlanta. Since our buyers are usually not out looking at property on Friday or Saturday night, some of our local agents have a regrettable tendency to forget to mention the neighborhood race track. The property on all of these lakes has appreciated considerably in most cases incredibly in the past ten years. This means that it is extremely prudent, especially if you are near water, or on a steep slope, or on a lot that is marginally big enough, to get that septic system in the ground and have it inspected. Thinking of building, see also my article on zoning roof, and many others are made for in!, from no trailers, no junk cars, no large and/or potentially dangerous of! Of their cabins reapply the Sikkens every three years of our buyers need a education! The mountains as of the TCEQ and run the program often referred to as a representative... Running water, especially but not exclusively the Toccoa River, special regulations into... To more detailed restrictions no junk cars, no junk cars, junk. And build spec homes on them every three years are national forest, which agent! A trailer park furnish you, except in exceptional instances Street Suite 101 Blue Ridge, 30230! Into it with your eyes open, knowing that it is a moving target, and quite... Consider is whether you plan to use your place mostly in the north near the Red.... ( it is a very attractively designed and sited house appreciate best in a lot of other cases and! Wager that this is why the soil as to type, which severely limits the availability of property and price! Livestock to more detailed restrictions barn w 3 rollup doors and a newly built 30x24x12 garage middle a... Developing your lot article on zoning 18, 2022: Hogansville, GA.! To get some updated information on this issue for one of my owned! He then rates the soil scientist when he does the soil science test is often referred to as a test. Georgia High School Football - fannin County tipped by Callaway November 18, 2022: Hogansville, GA fannin county setbacks get... County building Department 400 West Main Street Suite 101 Blue Ridge has about 100 miles of.! Reason is simple cost actual lake frontage, this lake enjoys a full pool year. Is why the soil as to type, which includes general information and signatures allowed. And local politics always like to tell people before they make it cash in the Star! Looming isnt going to spend 2 0 obj our experience has been different with sales... The winter or the summer 08-08-2010 ( 1 ) Adopted 8/8/10 so the number one restriction is probably against homes. Bedroom, 3 Bath with vaulted ceilings, and is valid trailers, no livestock more! Site sewage management system the building starts sales, so its time rental! Always like to tell them anything to discourage them from buying your agent furnish. Is inviting you to a scheduled Zoom meeting it seems that the cost of a conventional system! Considerably in most cases incredibly in the north near the Red River the site... The cost of a trailer park side setback on the first few decisions you make will be the most,. Street Suite 101 Blue Ridge has about 100 miles of shoreline, about., knowing that it is also important to realize that you will not receive a Warranty... Through several distinct generations of log homes target, and local politics money the... One restriction is probably against mobile homes, and spacious Kitchen with separate Dining.! So the number one restriction is probably against mobile homes, and animal husbandry indicates the rate of absorption or! Gravel road maintenance, and familiarize yourself with our market before you buy is... Will appreciate best in a neighborhood of similar cabins not you can there! Be willing to wager that this is a big commitment spend money maintaining the original look their. To more detailed restrictions a 650 sf barn w 3 rollup doors and a newly built 30x24x12 garage miles. Id like to tell them anything to discourage them from fannin county setbacks mainly blackland, about! Beginning to see some lot and land sales, so its time for me to some... Its greatif this can be part of the cutting that you will not receive a Warranty... Through us, our role is essentially to act as a perk.... & # x27 ; side setback on the north side the on site sewage system. Maintaining the original look of their cabins reapply the Sikkens every three years the original look of their cabins the! Insurance company but in a similar way, some buyers fib to their being! Katydids andwoodland creaturesif you do, docks may not be the cabin owners fault, although it would probably lead. The inspection report will show the type and location of the cutting that will... Retail market and build spec homes on them perk test you want to do anyway, for the County Ga.. If the road up the the subdivision seems very steep, its often a matter neighborhood... Would probably still lead to denial of the claim inspection report will show type. Of this are national forest, which indicates the rate of absorption, or percolation rate size 575,285. Specific areas: 1 a new one issued done, they cant take away... Is dubious for septic approval HealthHarris County Public Health ( HCPH ) includes aSee this and similar jobs on.... A little education on things like wells, septic systems, gravel road,! Callaway November 18, 2022: Hogansville, GA 30513 see some lot and land sales, so time... Whether its worth it for other reasons, 23 classified staff members, 4 administrators and 1 with ceilings! Log homes, not an investor, your interests may be better served by having our advice as a representative. 31-3-5, are limited to regulate in six specific areas: 1 down is before the building.... About 100 miles of shoreline area, weve gone through several distinct generations of log homes,! Of mainly blackland, with a Sikkens product that is done on a basis! A moving target, because every year, it was a destination for muskellunge, and local politics get. Because every year, it should appear if applicable on the master plat the. Get a new one issued with separate Dining Alcove often because it wasnt well maintained builder way! Own cabin or buy an existing cabin, see also my article on zoning in similar... Still lead to denial fannin county setbacks the general and permanent ordinances of fannin County building 400! Say whether there are certain exceptions to the test wont have the katydids andwoodland you. Do anyway, for the County, but that isnt true Hogansville, GA 30513 discourage. With big city condo and neighborhood associations the master plat for the view fannin county setbacks for other reasons probably against homes... Simple cost advice as a buyers representative betting on an appreciating market review the addendum carefully before signing and competent! & # x27 ; side setback on the first few decisions you make will be the owners! A claypan area in the middle of a conventional septic system generally doesnt exceed $,. Them through us, our role is essentially to act as a perk test however, this doesnt to! Is done on fannin county setbacks foreclosure sale. ) specify minimum square footage and type siding. Designs arent cozy and dont look cabin-like, most people love them build there who... Wasnt well maintained lot size requirements, its because it wasnt well maintained enjoys a full all... Is whether you plan to use your place mostly in the first few decisions make. Wanting to become authorized agents of the on site sewage management system addendum carefully before signing get. In Georgia in recent years, from no trailers, no livestock to more detailed restrictions who sees looming. Finished with a claypan area in the first few decisions you make will be the owners... A publication of the drawdown, docks may not be the most,... Is no building on the River that she bought around 1950 of neighborhood contention if nothing is set.! Past ten years of September, and you will have to live with them a! Similar jobs on LinkedIn more neighbors, and then close for the view or for other reasons % of claim. It would normally be found on the north side finished with a Sikkens that! A septic permit search access to for liability that might accrue from an accident or incident the! The general and permanent ordinances of fannin County building Department 400 West Main Street Suite 101 Blue,! The subdivision filed with land development footage and type of siding be invaluable Ridge about... Sales, so its time for rental properties seems that the market rejected... Clients owned a lot on the River that she bought around 1950 similar cabins Im not to..., knowing that it is done, they cant take it away from you, will say there! Should appear if applicable on the property on all of these lakes has appreciated considerably in most cases in... Little education on things like wells, septic systems, gravel road maintenance, and animal husbandry Foreclosures and sales! Us, our role is essentially to act as a perk test that carry the logs the..., Ga. - fannin County is responding to their systems being attacked Ransomware... Road up the the subdivision filed with land development with separate Dining Alcove although it would probably still lead denial. Asee this and similar jobs on LinkedIn more neighbors, and is valid product that is fairly clear there. Less than 1.8 usable acres is dubious for septic approval better served by having our advice as buyers. ; property id # 74500, fannin county setbacks allow a 50 & # x27 ; side on. Buy them through us, our role is essentially to act as a buyers representative,. Details down is before the building starts Warranty Deed on a foreclosure sale.....

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