Buying a house next to a creek

[Anonymous]

It depends on the “type” of creek. If possible try following both ends of the creek as much as you can. If you see see a big tube with water coming out of it like a canon then you are fine. This type of creek is mainly used to drain water from probably higher elevations. You will be fine being by one of those but those at lower elevations not so much....And you won’t need flood insurance in this case. Some pole pools have pointed to climate change. The truth is most of us will be affected by climate change one way or the other. Insurance companies will find away to spread the cost believe me. Enjoy your creek should decide to go with the house. And congrats for buying a cheap house relative to your means.

[Anonymous]

Some areas of NJ have had repeated flooding the past few years after never having any—Wayne, Fairfield... what part of NJ is this?

[Anonymous]

Anonymous wrote:It depends on the “type” of creek. If possible try following both ends of the creek as much as you can. If you see see a big tube with water coming out of it like a canon then you are fine. This type of creek is mainly used to drain water from probably higher elevations. You will be fine being by one of those but those at lower elevations not so much....And you won’t need flood insurance in this case. Some pole pools have pointed to climate change. The truth is most of us will be affected by climate change one way or the other. Insurance companies will find away to spread the cost believe me. Enjoy your creek should decide to go with the house. And congrats for buying a cheap house relative to your means.

Because streams in culverts don't flood...?

[Anonymous]

In my area, any creeks carry pesticide runoff from the residential properties, so I avoid creeks.

[Anonymous]

Lots of opinions about creeks here. Creeks are just part of nature.....We have been living by a big one for 20 years. Our house is several feet away from the creek. When it comes to creek one of the most important thing you should look at is the depth. And again due you will most likely be fine. Again nobody know what will happen in 20 years. Look at the carnage that Covid19 has caused as an example.... The real estate industry is not immune to disruptions. If you don’t need flood insurance (we don’t) it could be further I do stink that you will be fine NOW. My advice to people buying real estate is to buy cheap relative to your means and do not buy a house in hope it will make you “rich” when you sell it. Look at your forever house as a shelter and not a money pit. You mortgage and taxes will be about 30% of your take home which is fantastic. So even if the area floods one day and your house depreciate in value significantly you will have an easier time swallowing the losses if you didn’t dump all your money into the house . I rather live by a creek (if that’s you really want) and be happy than buy a super expansive home and freak the hell out every time I see tractors digging in a vast open land nearby....

[Anonymous]

Anonymous wrote:Lots of opinions about creeks here. Creeks are just part of nature.....We have been living by a big one for 20 years. Our house is several feet away from the creek. When it comes to creek one of the most important thing you should look at is the depth. And again due you will most likely be fine. Again nobody know what will happen in 20 years. Look at the carnage that Covid19 has caused as an example.... The real estate industry is not immune to disruptions. If you don’t need flood insurance (we don’t) it could be further I do stink that you will be fine NOW. My advice to people buying real estate is to buy cheap relative to your means and do not buy a house in hope it will make you “rich” when you sell it. Look at your forever house as a shelter and not a money pit. You mortgage and taxes will be about 30% of your take home which is fantastic. So even if the area floods one day and your house depreciate in value significantly you will have an easier time swallowing the losses if you didn’t dump all your money into the house . I rather live by a creek (if that’s you really want) and be happy than buy a super expansive home and freak the hell out every time I see tractors digging in a vast open land nearby....

Nice try. Your property value is down, down buddy. Wake up ...people are
Nervous about any water body near their home.

[Anonymous]

Is it a creek that your kids could play in?

[Anonymous]

You don’t give much information. If this is a rural site with creek far from the house ok. But sitting for a year? Why?

[Anonymous]

Mosquitos!

[Anonymous]

Anonymous wrote:

Anonymous wrote:Lots of opinions about creeks here. Creeks are just part of nature.....We have been living by a big one for 20 years. Our house is several feet away from the creek. When it comes to creek one of the most important thing you should look at is the depth. And again due you will most likely be fine. Again nobody know what will happen in 20 years. Look at the carnage that Covid19 has caused as an example.... The real estate industry is not immune to disruptions. If you don’t need flood insurance (we don’t) it could be further I do stink that you will be fine NOW. My advice to people buying real estate is to buy cheap relative to your means and do not buy a house in hope it will make you “rich” when you sell it. Look at your forever house as a shelter and not a money pit. You mortgage and taxes will be about 30% of your take home which is fantastic. So even if the area floods one day and your house depreciate in value significantly you will have an easier time swallowing the losses if you didn’t dump all your money into the house . I rather live by a creek (if that’s you really want) and be happy than buy a super expansive home and freak the hell out every time I see tractors digging in a vast open land nearby....

Nice try. Your property value is down, down buddy. Wake up ...people are
Nervous about any water body near their home.

NP. It really depends on the location/elevation/soil/topography of the plot. We have a couple of acres and a river on the bottom of the lowest point. Our home is at the top so we have no concerns about the river. Even when we had heavy rains, it cut into the sides of the river more, made a broader river beach and we were fine with that as we didn't lose land, only gained more useable land.