Thank you for this reply. We bought the lot with the realtor via lot maps on TV website with maps of lots for sale and then via photos on her cell phone. We were on lockdown due to covid in NY and did not see the lot til Sept when we came to plan the house. There was no mention or any type of disclosure...not until last week when the insurance issue came up with the mortgage company were we made aware of this issue. We feel that the realtor should have mentioned this when showing us lots before we poured all of this money into a new build. Full disclosure is the law in many states. Just very upset that this happened as we could have easily chosen a different lot if we had known.
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