Assessing Wells and Septic Systems

Unlike the “similar-style” homes found within many urban developments, no two rural properties are the same – especially when it comes to water sources and septic systems. That’s why it’s important for your clients to work with a lender who understands the unique features found on farms and acreages.

As a lender that specializes in financing homes in the country and rural communities, Farm Credit Services of America (FCSAmerica) understands the importance of assessing wells and septic systems. Help your clients make sound decisions about their move to the country by sharing these tips on evaluating water sources. 

Check Availability

Before buying or building in the country, one of the most important factors to consider is how the property is being serviced. Although some rural properties have the advantage of being hooked up to municipal utilities, or rural water districts, many rely on private wells and septic systems.

For properties that already have a well and septic system, determine if the water source is available year-round – especially during periods of drought. It’s also important to know the exact location of the water pump, pressure tank and control switch, septic tank and drainage field.

For properties that do not have a well or septic system, consider how drilling and installation fees will add to the total property investment. 


Groundwater quality and quantity can differ greatly over short distances. Well production can change over time, too. In addition to performing a well potability test to determine if the water is safe and free of contaminants, measure the well flow rate and recovery rate to ensure there is sufficient water pressure and supply.  

Existing septic systems should be evaluated based on condition, age and size to confirm the unit is in good working order and can support the number of tenants living on the property.

Minimum distances between wells and septic systems should also be verified to avoid contamination, and the absence of tree roots in the drainage field confirmed to prevent future damage to the system.

Don’t let the complexities of rural water sources and septic systems sink your clients dreams of living in the country. Refer them to the rural property experts.

Click here for more information about buying or building in the country. 

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