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Coronavirus impact on real estate sales

Graphic of a house under quarantineThis post on the coronavirus impact on real estate sales here in Silicon Valley is updated periodically, depending on unfolding events, so please check back often.

The market for houses is hot (still)

The coronavirus pandemic caused a worldwide surge of buyers rushing to purchase homes with more square footage, more rooms (home office, room for elderly parents to move in), and more outside space.

Locally, single family home prices rose about 20% over one year, despite the initial lockdown and restrictions on showings. Pools had not been so desirable pre-Covid, but now they are more sought after as buyers want to vacation at home.

Initially, it was challenging to sell a condo or townhouse, particularly if there was no patio, balcony, yard, etc. Those homes did start appreciating, but have not performed nearly as well as detached housing has.

Now, in September 2021, many of the requirements have been lifted. Buyers are still interested, but the steep appreciation has priced some buyers out of the market.

Quick overview of what is and isn’t allowed with real estate listings and sales

The landscape for home sales is complicated and more restricted than pre-pandemic times, but easier than it was in March – May 2020. The market is strange in many ways, but it is possible to buy and sell now and actually is not so hard at this point.

What’s changed with Covid: (more…)

Where are the high voltage power lines in Cupertino, Saratoga, Los Gatos, and Almaden Valley?

High Voltage Power Lines Collage

High Voltage Power Lines from around the West Valley.

“Location, Location, Location!” The most important element when buying or selling a home is the one thing you can’t change – it’s location. Because of that, you’ll need to know some location-specific things, naturally occurring and man-made. Like high voltage power lines.

What about this location?

If you own or are thinking of buying a home in Silicon Valley, here are a few location-specific things you want to know upfront so that you can make informed decisions:

  • where are the earthquake fault lines?
  • where are the geologic hazard zones, such as liquefaction areas?
  • where are the flood plains?
  • where are man-made things that will negatively or positively impact a home’s value? Things such as
    • train lines
    • freeways
    • electrical transmission
    • school district boundaries
    • zip code boundaries
    • proximity to entertainment venues

When looking at maps, sometimes these items show up and sometimes they don’t. Realtors and other real estate professionals in the San Jose area often use a Barclay’s Locaide and various online resources to locate the natural hazard areas. There are other tools to help locate school districts and zoning restrictions.

Google maps can help uncover some other areas, like distance to shops and freeways, but sometimes it raises more questions than it answers. For instance, a years ago a Realtor who didn’t know the Belwood of Los Gatos area too well phoned me to ask what a large object showing up on satellite view in the hills of Belgatos Park was. It is just a covered reservoir, but since it was not identified on the map it concerned some buyers. Local knowledge is still extremely helpful.

Mapping the Grid: High Voltage Power Lines

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Is Your Refrigerator Flooding?

Refrigerator with water dispenserRefrigerator floods are no laughing matter! Last month, my sister in-law’s fridge leaked causing the hardwood floors to pucker and swell, pushing cabinets and even lifting countertops! They’ve had to move out while their kitchen undergoes a massive overhaul. When my refrigerator line broke back in 2012, it was a similar story. The damage was extensive, and repairs were time consuming and expensive! So what can cause leaks and flooding and how can homeowners prevent it?

Causes for Refrigerator Floods and Leaks

Does your refrigerator have an automatic icemaker or a cold-water dispenser? If so, that plumbing is all capable of breaking. What if you don’t have a water line to your fridge? You can still have a leak. Humidity from the air and produce becomes ice or water when cooled. Modern refrigerators have been designed to automatically defrost: ice is melted, flows down a drain, and collects in a drip pan where it is heated (usually via waste heat from the refrigeration system) to evaporate the moisture. If the condensate is not taken care of properly it can become water damage!

Looking a little more closely, here are a few common causes:

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NEW California Disclosure – Home Fire Hardening Disclosure and Advisory

Fire Hardening and Defensible Space Advisory Disclosure and AddendumJust about every year California amends what sellers are required to disclose, and one change that I think we’ll be seeing a lot of is about home fire hardening. Many agents, including myself, will begin to use the fire hardening disclosure / document (which has already changed once in six months). The current one, as of June 2021, is the C.A.R. Form FHDS, 5/21 Fire Hardening and Defensible Space Advisory, Disclosure, and Addendum.

So what is in this document, who will have to use it, and how can it help buyers and current home owners?

The CAR Fire Hardening and Defensible Space form is a two page document completed by the seller of a residential non-commercial property to notify the buyer of fire hazard zoning, code compliance, and possible vulnerabilities and/or defensible features. Both the buyer(s) and seller(s) sign to acknowledge receipt and consent to comply with the appropriate terms in paragraph 4B.

Who Will Use This Form? Paragraphs 1 and 2: Prerequisites

This disclosure is required for homes (1-4 unit residential properties) in high or very high fire hazard severity zones when the seller must complete a Transfer Disclosure Statement (TDS form). Sellers for California real estate transactions falling within those criteria are obligated to provide specific information contained in this form to the buyer. If these properties were improved or were built before January 1, 2010 there are additional stipulations. However, use is not restricted to properties in these zones.

Owners of residences where the zone is unknown, or those outside of the designated fire hazard zones which are “in, upon, or adjoining a mountainous area, forest-covered land, brush-covered land, grass-covered land, or land that is covered with flammable material,” (Gov’t Code 51182 and 1C in CAR FHDS 5/21 – basically, homes in or near ample kindling) should also make these disclosures if they might be considered materially important. Even when it’s not legally necessary, any homeowner might voluntarily disclose using sections of this form. To show that a home is not in a designated high or very high fire hazard severity zone, sellers simply check the box indicating so in paragraph 2B.

Is the address in a high or very high fire hazard severity zone?

Not all homeowners know if their property is in one of these zones, but it’s the seller’s responsibility to find out! In paragraph 1B the form suggests that a natural hazard zone disclosure company could determine this information (and if you’re selling you may have already ordered a report that would contain those details), but it certainly isn’t the only resource.

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Mulches and Fire Danger

Tanbark or mulch in front of a San Jose home

Tanbark wood mulch separated by a dry creek bed, cement path, & brick retaining wall in a low-water San Jose yard.

May Day is a celebration of spring, but “April showers” were few and far between and it’s already starting to feel like summer! With another record-breaking hot year and the Bay Area in severe to extreme drought conditions homeowners concerned about water use and fire prevention are turning to gardening and landscaping for the solution. But a word of warning! Since updating my surprisingly popular post on mulch vs tanbark and the risk of termite infestation, I came across another reason to be cautious when applying it to your perimeter: fire.

Organic Mulches and Fire Hazard

Mulch can work wonders in a garden – it helps soil retain moisture, protects roots, reduces weeds, insulates the ground, can add nutrients and enrich the earth, adds visual appeal, and it’s affordable. It’s on every guide for landscaping water conservation (including Valley Water’s recommendations and San Jose Water’s tips)! Do a search and you’ll find it comes in a broad variety of materials. These can be divided into two groups: organic and inorganic. And organic matter can burn.

The University of Nevada Cooperative Extension has published their (easy to read) findings from a study comparing the combustibility of various organic landscape mulches. I recommend reading the booklet, but here are some of the key points I found most interesting: (more…)

Asbestos in homes

Most of Silicon Valley has pre-1978 homes,  and most of them contain some amount of asbestos, commonly on the HVAC ducts and, more visibly, in some popcorn or acoustic ceilings. It can also be in less known areas, such as vinyl flooring or perhaps the glue under the flooring.  Homes built after 1978 are far less likely to be effected. Asbestos can be found in almost any product, especially in older parts of the home where fire retardancy would be beneficial.

Very few people test their for asbestos in homes. Seeing that a seller has “no reports” on items like asbestos or lead on their home is not uncommon, but it does not mean it is not there, particularly in older properties.

Undisturbed asbestos is not supposed to pose a health risk. I know for a fact that my 1977 built home has asbestos on the boots, where the ducts come up to the heat register. Since it is on the external part of the ducting, not the inside, the air in our house should be clean and free from asbestos.

What is it?

Like mold, asbestos is a naturally occurring substance found in some soils, and sometimes mined. (Click on the image below to see a map of sites in California in which there is or is suspected to have asbestos present.) In the San Jose area, it’s known that asbestos was found or mined at the New Almaden Mine and also in the area near Communications Hill where KB Homes built a large subdivision.

Santa Clara County - naturally occuring asbestos

Asbestos is the common name for a group of silicate minerals made of thin, strong fibers, best known for their use as excellent fire retardants. Not many realize that it occurs naturally in certain areas, including California. The most common naturally occurring Asbestos is Chrysotile, often found in serpentine, common to the Sierra foothills and the Coast Ranges.

What does that mean? Since Asbestos are minerals, that means they are generally stable and will not evaporate. However, the mineral can be crushed into a fine dust which will float in air – this is referred to as friable asbestos. Friable asbestos, suspended in air and breathed by humans is a carcinogen linked to the development of lung cancer.

What are the risks of asbestos in homes?

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The Healthy House

Air quality monitor - one way to know if you have a healthy houseIt’s the end of the year and many people are making New Years Resolutions or New Years Goals.  Instead of directly focusing on your own health, how about looking into making a more healthy house? Indoor air quality contributes to the health of residents just as much as that extra serving of vegetables or extra thousand steps per day.

When the summer and autumn fires are raging in California, we are all keenly aware of pollutants. We check PurpleAir.com and replace our filthy air filters faster than usual. Some of us even found ourselves buying air quality monitors for the first time, all in hopes of having a healthy house.  When the fires get put out, we may not think much about having a healthy home until another “Spare the Air” day is called.

Healthy House Challenges

This last summer, we were one of many families purchasing an air quality monitor (seen in photo, it was around $120 online).  We were surprised at the amount of indoor air pollution caused by frying foods.  That was info we tripped into – the monitor was on because of the smoky skies, but it was the friend chicken that sent the PM2.5 score soaring into the 400s. And it took hours for it to come back down to normal (in large part certainly because we could not open our doors and windows to air it out). That was a lesson!

One of the least known but perhaps one of the biggest risks involves gas cooking, as well as the use of other gas appliances, in the home. What many cooking aficionados do not realize is that every single time you cook with gas, you also should be using the vent to clear the gas fumes lest you contribute to a buildup of carbon monoxide (and other pollutants) indoors.  (Venting is also crucial with other gas appliances such as the furnace and water heater.)

Carbon monoxide detectors are now mandatory in California homes if there are gas appliances, not just at the point of resale but in all houses, condos, town homes etc. – but even the best devices can fail or have the batteries die, so best to avoid relying on them alone and make sure to use care in venting all gas devices whenever in use.  There are some studies indicating that gas cooking and the use of other gas appliances indoors may aggravate respiratory conditions such as asthma and increase pulmonary (lung) risk, too. Carbon monoxide is the best known, but not only pollutant, that may come with gas appliances.

Along the same lines, home inspectors suggest that fireplaces with gas logs or jets never fully close, but instead have a small block to keep the damper from sealing completely. This is also so that the carbon monoxide can vent out.

Radon is thought to be a non-issue in California, but Silicon Valley is generally a moderate radon area. Care should be taken particularly in properties with basements and in homes where occupants smoke indoors.

Other issues include mold and dust, which are especially hard on people with allergies or lung disease, but can also irritate eyes. For structures built prior to about 1978, lead may be present too.

When buying or selling residential property in California, the Residential Environmental Hazards booklet is provided.  It can be found online via a variety of sources, including the State of California’s website.  If you haven’t seen or read this booklet recently, I would like to suggest that you have a look and consider incorporating some of the suggestions and tips in the coming year to make your own home a healthier one:

http://www.cdph.ca.gov/programs/CLPPB/Documents/ResEnviroHaz2005.pdf

A last point about this fabulous booklet: do not read right before going to bed!! 

Additional information from the World Health Organization can be found here:

WHO Guidelines for Indoor Air Quality: Selected Pollutants (book, 2010)

Here’s to a happy and healthy 2021!

 

 

 

Post-Tension Slab Foundations

Post-Tension Slab FoundationPost-tension slab foundations are found in newer homes. Here in the Bay Area, a structure’s foundation needs to withstand not only the load of the building, but expansive soils, and the ubiquitous earthquake. Certain foundations are better at handling these conditions, and are seen more frequently here. One of these which is gaining popularity in new construction is the post-tension slab foundation.

What is a Post Tension Foundation?

Post-tensioning is a technique that was developed and first put to regular use in the 1970s, and approved methods have been published by the Post-Tensioning Institute (PTI), a nonprofit organization, since 1976. Sometimes called post tensioning, or simply PT, this is a type of slab foundation with added reinforcement.

In essence, a slab foundation, aka a slab on grade foundation, is a concrete base only a few inches deep, sitting directly on earth. You might see this for a small shed or playhouse, but larger structures are almost always reinforced, usually with rebar, and a fabric water barrier is lain out before the concrete is poured.

A post-tension slab is reinforced with grids of steel cables cased in plastic sheathes instead of rebar. After the concrete has hardened around them, the cables are pulled taut with hydraulic stressing jacks. This pre-stressing of the concrete creates added compressive strength to the foundation.

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Is your electrical panel safe?

Federal Pacific Electrical PanelSometimes things seem to come in waves, and awhile back the waves that found me seemed to all be about unsafe electrical panels in homes which are either risky or potentially risky.  I read a home inspection report for a house with a Federal Pacific Electric Company (FPE) panel that encouraged home owners to replace that type because of the risk of fire.  Then I met with a potential seller client who was aware of a fire on his block due to a panel failure and was experiencing issues with his Zinsco electrical panel which seemed dangerous. Having two of these red flags thrown down at once did get my attention.

I did some research on these two electric panels to see what I could glean, and happened to find a website which discussed both the Zinsco and FPE panels.  This site includes photos of what happens if an electrical panel fails. I found it exceedingly helpful, and think it’s worth sharing widely.

Is my panel safe – FPE

Is my panel safe – Zinsco

For safety’s sake, please go check the type of electrical panel you have, and sub panel too, if there is one. DO NOT attempt to pull off the dead front (the part which is gray in the image to the right) – only a licensed, qualified electrician should do that.

All of that said, SOME home inspectors will flag that there’s a FPE or Zinsco panel at the property, but will not directly say that it should be removed, but will instead suggest that sellers or buyers contact a licensed electrician about it.  Most home inspectors, though, now go farther and do recommend changing these out. Some won’t comment at all, though, so it helps to be an informed consumer.

One more area to investigate is Sylvania or GTE-Sylvania panels. Some of them are designed similarly to Zinsco, and may consequently have the same risks. Not all of them, though, are in this category. A licensed electrician will need to inspect and inform you on this issue.

If you have an older panel, or Federal Pacific Electric Company or Zinsco panel, you may want to investigate replacing it.   Please do some research on this topic if you have one of these panels in your home, especially. It may not be universally believed that they should be replaced but this is something to check out, at the very least, if you have one of these in your home.  Buying a home?  Ask your property inspector about the reputation of the panel.  Sometimes home inspectors won’t mention it one way or the other unless they see symptoms of overheating or something similar. Perhaps it’s fine now, but should be on your list of things to replace over time for an added measure of peace of mind.

Raised Perimeter and Post and Pier Foundations

I recently published a piece on post-tension slabs, which is more used in new construction, however it’s not the most common type across existing homes in the South Bay. While basements are not often found in the South Bay, crawlspaces are. You’re most likely to encounter raised perimeter, also called post and pier, foundations.

 

Raised Perimeter and Post and Pier Foundation Compilation 1960s

Still images from historic reels shared by History San Jose showing one of the city’s suburban developments of the 1960s and the installation of this type of foundation. Click to go to the original video on Youtube.

What is a Raised Perimeter Foundation?

A raised, perimeter, or raised perimeter foundation is one that supports a structure while lifting it a few feet above the ground level, as the name implies. It is called a perimeter foundation because the exterior walls are held up by a reinforced concrete stem wall, while the body of the house is supported by a post and pier construct. (In earthquake-free parts of the world, the stem wall may be brick or cinder block.)

This type of foundation is usually only raised around 1-1/2’ – 2’ high, one or two stair steps above ground level. Much taller would make a top-heaviness that becomes less stable against seismic force.

Alternatively, some floors might be set quite low. Two rooms in my single-story house are a step below the rest. They are still raised on posts and piers, but they are distinctly lower than the rest. This is called a sleeper floor. In the crawlspace, this translates to very tight quarters, and I have met professionals who will, and who will not, be able to work in that space.

What is a Post and Pier Foundation?

Post and Pier section of blueprint plus lowered subfloor for tile

Post and pier (or girder) foundation blueprint, including crawlspace access point and lowered subfloor and sleeper floor.

Post and pier, or beam and post foundation, supports a structure by raising it on individual posts distributed evenly beneath a structure. Each pillar of support consists of three parts: the pier, the post, and the beam.

The pier is a vertical anchor set deep in the ground, usually made of concrete (but occasionally other resistant material like steel). The pier rises a few inches above ground level and is attached to a vertical post. The post, or column, is generally foundation-grade treated wood. This post attaches to a horizontal beam, or girder, which directly supports the floor joists. Occasionally, the pier may act as a post and connects directly to the beam, but that is very uncommon in my experience.

Post and pier foundations can be built without the perimeter wall, but functionally it is very different. You will often see decks built this way, including decks that are attached to homes with a raised perimeter foundation. Without the continuous stem wall the cost to construct is significantly less, but the resulting structure is more vulnerable to the forces of nature, to lateral seismic force, and to pests and wildlife. It also has greater airflow beneath, which is good in places with regular flooding, but provides less insulation from below.

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