FannieMae / Underwriter Appraisal
Doubt any recourse is available for this situation. Appraisal and subsequent agreement both state property zoned residential (not quantified at all, just listed as residential R3. 7 years later we have decided we'd like to remodel with an addition and find that property is actually zoned business, single residences are non-conformance properties and this has been so for at least 20 years.
This will entail extensive meetings with the zoning board for waivers and exceptions and in the end they could reject every request.
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