Tier 3 Certified in SC & GA Licensed, Bonded & Insured Serving the CSRA since 2009
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HomeSeptic ServicesSeptic Inspections
Real estate · FHA & VA · Both states

Septic inspections for buyers, sellers and lenders

Buying or selling a home on septic? We give you an honest, thorough evaluation and a written report your lender and closing attorney will accept, on either side of the river.

What buyers and sellers need to know

Neither South Carolina nor Georgia requires a septic inspection by law at point of sale. What forces it is lenders, particularly on FHA and VA loans where an appraiser flags a concern, and disclosure forms. Georgia's standard seller's disclosure asks how many bedrooms the system was approved for and the date of last professional service. Most sellers can't answer either without a contractor. We can.

Two questions your disclosure form will ask

This is the part most sellers don't see coming, and it's where we're genuinely useful.

Georgia's standard seller's property disclosure asks, in writing:

  • "If the Property is served by a septic system, how many bedrooms was the septic system approved for by local government authorities?"
  • "Has any septic tank or cesspool on Property ever been professionally serviced? If yes, give the date of last service."

Most homeowners have no idea. The permitted bedroom count lives in county or state records, not in the house. The service date lives on a receipt from a contractor they may not remember using.

South Carolina has the parallel exposure through the Residential Property Condition Disclosure Act, which requires sellers to disclose the condition of the water supply and sanitary sewage disposal system.

We handle both. We can pull the permit records that show what your system was approved for, and give you a dated written service record. Two questions answered, one appointment.

What an inspection actually covers

  1. 1

    Records and history

    What the system was permitted for, when it was installed, tank size, system type and drainfield location. In South Carolina, SCDES maintains permit records for permitted systems and those records show system type, tank size and where the field is.

  2. 2

    Open the tank

    Sludge and scum levels, water level, and whether the tank is holding as it should. A tank is usually pumped as part of a real estate inspection so its interior can actually be assessed.

  3. 3

    Structural condition

    Cracks, corrosion, leakage, lid and riser condition, and the state of the inlet and outlet baffles.

  4. 4

    Distribution box and filter

    Whether flow is being distributed evenly across the field, and whether the outlet filter is present and clear.

  5. 5

    Drainfield evaluation

    Standing water, soft ground, vegetation patterns, odor. On a thorough inspection this includes digging a test hole in the field to see what's actually happening below grade.

  6. 6

    Mechanical components

    On any system with a pump, floats or controls, we verify they operate.

  7. 7

    Written report

    Findings, condition, anything that needs attention, and a clear statement of what we did. Something you can hand to a lender or a closing attorney without a follow-up phone call.

Expect one to three hours on site, depending on the system and how accessible it is.

FHA and VA loans

FHA. Properties must comply with local health authority standards, and lenders must obtain a local health authority report where one is mandated. Appraisers are required to examine the system for signs of failure or surface evidence of malfunction, and if deficiencies are found, repairs or further inspection must follow.

VA. The appraiser performs the initial evaluation during the mandatory appraisal. A full inspection by a licensed inspector is triggered only if the appraiser has concerns about condition, functionality or compliance. Repair responsibility is negotiable between buyer and seller.

Note for the CSRA specifically: with Fort Eisenhower in Richmond County, VA loan volume in this market is high. If you're selling to a VA buyer, having a recent inspection and a clean written report in hand removes a variable from your closing.

Buying a home on septic? Read this first

An inspection before you close is the cheapest insurance available on the transaction. A failed drainfield can run into five figures, and it is not always obvious from the surface, particularly in dry weather.

  • Ask for the permit records, including what bedroom count the system was approved for. A four-bedroom house on a three-bedroom system is a real problem you'd be inheriting.
  • Ask when it was last pumped. If nobody knows, assume it hasn't been.
  • Look at the reserve repair area. If a previous owner paved or built over it, replacing a failed field later gets much harder.
  • Note the field's age. Past 25 to 30 years, reduced effectiveness is normal.

What it costs

TypeTypical range
Routine maintenance inspection$XXX-$XXX
Real estate transaction inspection
Includes written report
$XXX-$XXX
Inspection with pump-out$XXX-$X,XXX
Permit records retrieval$XX-$XXX

For realtors and closing attorneys

We know closings run on dates. Tell us the deadline and we'll tell you honestly whether we can hit it rather than promising and then not showing. Reports come back written clearly enough that a buyer's agent doesn't need to phone us to interpret them. More for real estate professionals →

Septic Inspections FAQs

Questions we get about this

Do I need a septic inspection to sell my house in South Carolina or Georgia?
Neither state mandates one by law. What drives it is lender requirements, particularly FHA and VA loans where an appraiser flags a concern, and seller disclosure obligations. South Carolina's Residential Property Condition Disclosure Act requires disclosing the condition of the sanitary sewage disposal system, and Georgia's standard disclosure form asks specific septic questions.
What does a septic inspection include?
Records and permit history, opening and assessing the tank, sludge and scum levels, structural condition including cracks and baffles, distribution box and outlet filter, drainfield evaluation including a test hole, and verification of any mechanical components. Then a written report. Typically one to three hours on site.
How much does a real estate septic inspection cost?
Real estate inspections cost more than a routine maintenance check because of the written report and the depth of the evaluation. Adding a pump-out, which is usually needed to properly assess the tank interior, increases it further. Call with the property details for a real number.
The disclosure form asks how many bedrooms my septic was approved for. How do I find that out?
It's in the permit records, not in the house. In South Carolina, SCDES maintains permit records for permitted systems showing system type, tank size and drainfield location. In Georgia the county health department holds them. We can retrieve those records for you as part of an inspection.
How long does an inspection take?
Usually one to three hours on site, depending on the system type, how accessible the tank and drainfield are, and whether a pump-out is included.
Does FHA or VA require a septic inspection?
Not automatically. FHA requires properties to comply with local health authority standards and requires appraisers to examine the system for signs of failure, with further inspection required if deficiencies are found. VA relies on the appraiser's initial evaluation, with a full inspection triggered only if the appraiser has concerns.
What happens if the system fails inspection?
You get a written statement of what's wrong and what it takes to correct it. Repair responsibility is negotiable between buyer and seller. Having the information early gives both sides room to negotiate rather than forcing a decision days before closing.
Can you pull my old septic permit records?
Yes. In South Carolina, SCDES maintains permit records for permitted systems and owners who can't locate their original permit can request a copy. In Georgia the county health department holds the records. We handle the retrieval as part of an inspection.
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