Chapter: A buyer is purchasing a property in Hawaii with a septic system. What should the buyer's agent advise the buyer to do during the inspection period? (EN)

Chapter: A buyer is purchasing a property in Hawaii with a septic system. What should the buyer's agent advise the buyer to do during the inspection period? (EN)

Chapter: A buyer is purchasing a property in Hawaii with a septic system. What should the buyer’s agent advise the buyer to do during the inspection period?

Understanding Septic Systems: A Scientific Overview

A septic system, also known as an On-Site Sewage Disposal System (OSDS), is a decentralized wastewater treatment system commonly used in areas lacking connection to a municipal sewer system. In Hawaii, given the diverse geographical landscape and varying population densities, septic systems are prevalent. Proper functioning relies on a complex interplay of biological, chemical, and physical processes.

1. System Components and Processes:

  • Septic Tank: The initial treatment stage, where solids settle out and anaerobic digestion begins. Wastewater entering the tank separates into three layers:
    • Scum Layer: Floating solids like fats, oils, and grease (FOG).
    • Effluent Layer: The relatively clarified liquid in the middle.
    • Sludge Layer: Settled solids at the bottom, composed of organic matter and inorganic sediments.
  • Drainfield (Leach Field): A series of underground trenches or beds where effluent is discharged for further treatment and dispersal into the soil. The soil acts as a natural filter, removing pathogens, nutrients, and remaining organic matter.

2. Biological Processes:

  • Anaerobic Digestion: Occurs primarily in the septic tank. Anaerobic bacteria break down organic matter in the absence of oxygen. This process reduces the volume of sludge and produces biogas, primarily methane (CH4) and carbon dioxide (CO2).
    • Simplified Reaction: (CH2O)n → n/2 CO2 + n/2 CH4 (where (CH2O)n represents complex organic matter).
  • Aerobic Treatment: Predominantly in the drainfield. Aerobic bacteria utilize oxygen to further break down organic matter in the effluent. This process is more efficient than anaerobic digestion and results in the mineralization of organic compounds.
    • Simplified Reaction: (CH2O)n + nO2 → nCO2 + nH2O

3. Chemical Processes:

  • Nutrient Removal: Soil adsorption and microbial activity play a role in removing nutrients like nitrogen and phosphorus from the effluent.
    • Nitrification: Ammonia (NH3) is converted to nitrite (NO2-) and then to nitrate (NO3-) by aerobic bacteria (e.g., Nitrosomonas and Nitrobacter).
    • Denitrification: Nitrate (NO3-) is converted to nitrogen gas (N2) by anaerobic bacteria. This process requires a carbon source.
    • Phosphorus Adsorption: Soil particles, particularly those containing iron and aluminum oxides, can bind phosphorus, preventing its migration into groundwater. Adsorption capacity is finite and depends on soil composition.

4. Physical Processes:

  • Filtration: Soil acts as a physical filter, removing suspended solids and particulate matter from the effluent.
  • Adsorption: Soil particles attract and hold onto contaminants (e.g., viruses, bacteria) through electrostatic and Van der Waals forces.
  • Dispersion: Spreading the effluent over a large area within the drainfield to maximize contact with the soil and enhance treatment.

Due Diligence During the Inspection Period: Agent’s Responsibilities

The buyer’s agent has a fiduciary duty to advise the buyer on all aspects of the property, including the septic system. The inspection period is crucial for assessing the system’s functionality and identifying potential issues.

1. Septic System Inspection:

  • Professional Inspection: Strongly recommend a thorough inspection by a qualified septic system professional. This inspector should be licensed and experienced in Hawaii’s specific soil conditions and septic system regulations. The inspector will:

    • Locate the septic tank and drainfield: Use maps, permits, and physical observation to pinpoint their exact location.
    • Inspect the septic tank: Assess tank condition (cracks, leaks), baffle integrity, sludge and scum levels, and overall structural integrity.
    • Inspect the drainfield: Look for signs of failure, such as standing water, soggy ground, foul odors, or excessive vegetation growth in the drainfield area. Evaluate soil conditions.
    • Perform a hydraulic load test (if applicable): This involves introducing a known volume of water into the system to assess its ability to process wastewater.
  • Review Existing Records: Obtain and review any available records pertaining to the septic system:

    • Permits: Original installation permits, repair permits, and alteration permits.
    • Maintenance Records: Pumping records, repair invoices, and inspection reports. Pumping frequency is a key indicator of system health.
    • As-Built Drawings: Detailed diagrams showing the location and configuration of the septic system components.

2. Soil Evaluation:

  • Percolation Test (Perc Test): Determines the rate at which water drains through the soil. This is critical for assessing the soil’s ability to treat and disperse effluent. A perc test should be performed by a qualified professional. The percolation rate is typically expressed in minutes per inch (min/in).

    • Formula: Percolation Rate = Time (minutes) / Distance (inches)
    • Acceptable percolation rates vary depending on local regulations and soil type.
  • Soil Morphology: Examine soil texture, structure, color, and drainage characteristics. Soil texture (sand, silt, clay) influences permeability and filtration capacity.

3. Water Quality Testing:

  • Groundwater Testing: If there are concerns about potential groundwater contamination, advise the buyer to test the well water (if applicable) or nearby water sources for indicators of septic system failure, such as:
    • Coliform Bacteria: Indicate fecal contamination.
    • Nitrates: Elevated nitrate levels can indicate septic system effluent.
    • Chlorides: High chloride concentrations can also be indicative of wastewater contamination.

4. System Usage and Maintenance:

  • Assess Water Usage: Determine the number of occupants the system is designed to serve. Overloading the system can lead to premature failure. Water conservation measures can extend the life of the system.
  • Educate the Buyer: Provide information on proper septic system maintenance:
    • Regular Pumping: Advise the buyer to schedule regular septic tank pumping (typically every 3-5 years, depending on usage).
    • Water Conservation: Encourage water-saving practices, such as low-flow fixtures and efficient appliances.
    • Avoid Disposing of Inappropriate Materials: Advise against flushing non-biodegradable items (e.g., diapers, sanitary napkins, wipes) or pouring grease, oils, and chemicals down the drain.

5. Negotiation and Contingencies:

  • Negotiate Repairs or Replacement: If the inspection reveals issues with the septic system, advise the buyer to negotiate with the seller for repairs or a price reduction to cover the cost of replacement.
  • Contingency Clause: Ensure the purchase agreement includes a contingency clause that allows the buyer to terminate the contract if the septic system inspection is unsatisfactory.

Practical Application Example:

Imagine a buyer is purchasing a property in Hawaii with a cesspool that was converted to a septic system in 2015. The agent should advise the buyer to:

  1. Locate the septic system permit from 2015.
  2. Hire a qualified septic system inspector to verify the system was installed according to the permit and is functioning correctly.
  3. Request the seller’s pumping records to verify regular maintenance.
  4. If the property has a well, test the well water for coliform bacteria and nitrates.
  5. Include a contingency clause in the purchase agreement allowing termination if the septic system inspection reveals significant issues or the well water is contaminated.

Breakthroughs and Impact:

The development of effective septic systems has been crucial for public health and environmental protection in areas without centralized sewer infrastructure. Advances in wastewater treatment technologies, such as engineered wetlands and advanced treatment units, are further improving the performance and sustainability of on-site wastewater treatment systems. The shift from less effective systems like cesspools (now illegal in many parts of Hawaii) to modern septic systems represents a significant advancement in safeguarding water quality and preventing disease. The ongoing research into optimizing biological processes and developing more efficient nutrient removal techniques promises to further enhance the performance and longevity of septic systems in Hawaii and worldwide.

Chapter Summary

  • Scientific Summary: Septic System Due Diligence in Hawaii Real Estate Transactions

  • Main Points:
    • Septic System Functionality and Environmental Impact: Septic systems treat wastewater on-site, relying on anaerobic bacteria to break down organic matter in the tank, followed by filtration through a drainfield. Malfunctioning systems pose significant environmental risks in Hawaii, including groundwater contamination (nitrates, pathogens), potential contamination of surface waters (streams, ocean), and harm to sensitive ecosystems, including coral reefs and nearshore fisheries. Improperly functioning systems can also contribute to vector-borne disease.
    • Hawaii-Specific Regulations: Hawaii’s Department of Health (DOH) regulates septic systems. Regulations are designed to protect water resources and public health, and understanding them is crucial. Older systems may not meet current standards, potentially requiring upgrades or replacement at significant cost. Cesspools, an older and less effective technology, are being phased out and present unique legal and practical considerations.
    • Inspection Objectives: The inspection period is crucial for assessing the system’s current condition, functionality, and compliance with regulations. The primary objectives are: 1) Verify the system is operating properly. 2) Identify potential issues that could lead to future failures. 3) Determine if the system meets current codes or requires upgrades. 4) Assess the capacity of the system relative to current or projected occupancy. 5) Evaluate the remaining lifespan of the system. 6) Understand the permitted location of the system to anticipate future expansion.
  • Recommended Actions for Buyer’s Agent to Advise:
    • Professional Inspection: Engage a qualified and licensed septic system inspector specializing in Hawaii systems. The inspector should assess the tank (structural integrity, sludge levels, effluent quality), drainfield (hydraulic capacity, signs of saturation), and all components of the system.
    • Document Review: Obtain and thoroughly review all available documentation, including:
    • Permit History: Check records with the DOH for permits related to the system’s installation, repairs, or modifications.
    • As-Built Drawings: Locate drawings showing the system’s layout, location, and specifications. This helps identify the drainfield location and tank capacity.
    • Maintenance Records: Review records of previous pump-outs, repairs, or inspections to understand the system’s maintenance history.
    • Cesspool Conversion/Upgrade Requirements: If a cesspool exists, determine the required upgrade timeline and associated costs.
    • Operational Assessment:
    • Perform a “Load Test”: A load test involves running water into the system to observe its ability to handle wastewater. This can identify hydraulic overloading or drainfield issues.
    • Visual Inspection: Carefully examine the ground above and around the drainfield for signs of saturation, ponding, or unusual odors. These indicate potential drainfield failure.
    • Plumbing Fixture Functionality: Ensure all plumbing fixtures drain properly without gurgling or back-ups.
    • Capacity Evaluation: Determine if the septic system capacity is sufficient for the intended use of the property. This should consider the number of bedrooms, bathrooms, and the likely occupancy of the property. If the current system is undersized, it may require expansion or replacement.
    • Environmental Considerations: Assess the proximity of the septic system and drainfield to sensitive environmental features (streams, wetlands, coastlines) and wells. Proximity to water sources can increase the risk of contamination and influence regulatory requirements.
    • Negotiation Strategies: Based on the inspection findings, advise the buyer on negotiation strategies to address any identified issues. Options include:
    • Repair Credits: Request the seller to provide credits for necessary repairs or upgrades.
    • Price Reduction: Negotiate a reduction in the purchase price to reflect the cost of addressing septic system issues.
    • Escrow Holdback: Establish an escrow account to cover the cost of repairs or upgrades, with funds released upon completion of the work.
    • System Replacement: In cases of significant issues, consider requiring the seller to replace the septic system prior to closing.
  • Conclusions and Implications:
  • Adequate due diligence regarding septic systems is crucial for buyers in Hawaii. Failing to identify and address potential issues during the inspection period can lead to significant financial burdens, environmental damage, and potential health risks. A thorough inspection, document review, and understanding of Hawaii’s septic system regulations are essential for protecting the buyer’s investment and the environment. The buyer’s agent plays a critical role in guiding the buyer through this process and advocating for their best interests. Early identification of issues provides leverage for negotiation and ensures that the buyer is fully informed before proceeding with the purchase.

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