Six considerations for living in the Country
The simple luxury of wandering outside and embracing nature’s expose of wonders, has climbed its way to the top of necessities for Canadians amidst the COVID-19 pandemic. The importance of such a basic activity – which many seem to have taken for granted – has been realized upon the increased restrictions put in place. Many are thinking of rural homes for sale in the country. The country seems to have become a source for homeowners to remedy and satisfy this desire for more space in the outdoors, as the rural and country market experienced an unprecedented amount of activity over the past year.
Now more than ever, it seems Canadian’s lifestyle needs have been shifting from that offered by a big city, to one offered by a small rural community. More space, less traffic, minimal light pollution, and fresh air has made purchasing property in the country quite attractive. While the benefits do seem plentiful, there are a few things you should consider.
In this article we will be detailing out some important considerations to make when purchasing a rural country home and will be looking at the cost of building a home on newly purchased land.
Let us begin with our six considerations:
Considering noise and traffic due to both farming and industry activities from nearby properties are something to keep in mind. Although the noise wont likely be as frequent and consistent as the big city, if you live beside a commercial farm operation you could hear heavy machinery in the fields from time to time. In addition to noise, these activities from nearby properties might also contribute to some unwanted smells at certain times of the year.
2. Septic System
A septic system might be your only option for waste and water removal, and the type of septic on the land is important. There are two types:
Conventional – In conventional septic systems, 30–50 per cent of the wastewater treatment is done in the septic tank and 50–70 per cent is done in the soil. Conventional septic systems can perform very well in a variety of soil types and site situations; however, there are properties where conventional septic systems are not suitable. Some properties have inadequate conditions for a conventional septic system. Soil that has shallow soil depth to bedrock, limited space, steep slopes, heavy clay, or a high-water table need to be considered. In these situations, homeowners may turn to advanced treatment systems.
Advanced – Advanced treatment systems, although not as well known, may offer reliable, approved treatment of household wastewater. The difference with advanced treatment systems is that approximately 90 per cent of the wastewater treatment is done in the pre-treatment tank as well as the advanced treatment unit, and 10 per cent is done in the soil. Cleaner effluent exiting the advanced treatment unit makes the advanced treatment system more versatile than a conventional septic system.
To learn more about how a septic tank works, this article from family handyman will help.
3. Water Source
While most small towns use municipal water as their water source, many other small towns and rural areas rely on private wells. There is always a risk for contamination if not cared for correctly as wells require proper maintenance and testing. There are two traditional types of wells:
Dug Wells – Traditionally, dug wells are formed and built by initial excavation of the land area using a hand shovel until it reaches lower than the water table and when the incoming water surpasses the bailing rate of the digger.
Drilled Wells – A drilled well is a type of well is built with machines for rotary or percussion drilling. There are drilled wells that go deeper than dug wells, penetrating unconsolidated materials, which can affect the quality of the water. Drilled wells can be more than 1000 feet deeper.
Contamination – Dug wells are highly susceptible to contamination because they only obtain water from shallow aquifers while drilled wells have lower chances of being contaminated. Obtaining well records for the property to assess the waters quality for better understanding.
4. Building, Bylaws, Zoning, and Permits
Understanding what type of autonomy, you have with the land will help give you an idea on what you will be able to do with the property. Depending on the area you live, bylaws may restrict you from building on certain parts of the land and permits may be needed. This may cost money and time so doing research ahead of time before you acquire the property will be beneficial.
Reliable Internet and phone services have the potential to be an inconvenience. Many rural areas are beginning to establish high-speed Internet connections depending on the region, but coverage can still be limited. This is something to consider with remote work becoming ever more prominent.
6. Additional Fees
Living outside a city or in a more secluded area has additional costs. Services such as snow removal, garbage collection, road paving, and just general maintenance of the neighborhood and your property will add to your monthly costs. A realistic budget will be needed to ensure you will be able to cover all expenses.
Building A Home
For those of you with the aspiration of building your dream home on your new lot or property, this could be an exciting, affordable, and yet exhausting endeavour. While all the above factors will affect the building process, let us look at some specific aspects of home construction that you should be aware of before building in your rural community.
One of the key benefits to building your new house is the bit of control you have over the budget. The average cost to build a detached home in Canada varies in price, dependent on the area. Using your budget to determine the square footage you desire could be handy in reducing the cost of the new build. A reputable building constructor and project manager will be crucial in making sure the project doesn’t go over budget. – To get details on the cost, speak with a builder, or get in touch with us here at Lass Real Estate.
Be aware of the initial costs of hiring professionals such as architects, septic system and soil engineers, surveyors, and structural engineers. Many of these services will be required and other little permits will be needed that as well will cost you money before the building process is even started.
You may be wondering, which is more expensive, buying or building a home? While there are many factors that go into answering this question, building seems to be on average the more expensive option initially and comes with both a convenience and time cost as well. The level of satisfaction available from building your own home is one very rarely achieved from buying an existing home.
Building a house requires two separate loans: one to buy the vacant land, and a self-build mortgage for the building of the house. The vacant land requires a larger down payment (between 25-30%) and usually comes with higher interest rates than a typical mortgage. The self-build or construction mortgage has two primary types:
Draw Mortgage – the builder can draw money out of the mortgage at certain times throughout the building process to help cover their costs, and the mover makes payments as the funds are drawn.
Completion Mortgage – the mover takes on payments when the building process is complete, and they have moved into the new home.
The building process is a complex mechanism involving many moving components. Substantial amounts of labour, and materials, cooperative weather, and other challenges can all impact the process. The average time involved in constructing a new home takes between 10-16 months. This is a significant amount of time, so use your discretion when determining if this is the right path for you.
Much like any home purchasing decision, buying, or building a home in a rural area requires extensive research and careful planning. Understanding all the potential expenses you will incur along with the time spent monitoring the property will be crucial for a safe and enjoyable experience in your new community.
If you are interested in purchasing rural properties for sale or country homes for sale in the Kitchener, Ontario area, read our article on the Real Estate Market Update. let Lass Real Estate assist you in finding your dream property.
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