Market Conditions in 02138>Question Details

CG, Home Buyer in 02138

how termites infection affects the value of a house even if it had been treated?

Asked by CG, 02138 Mon May 12, 2008

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Well, to quote a very respected Home Inspector - - Senior in his years and native to New England, he said, "There are two kinds of homes! There are the homes that have termites or carpenter ants. Then there are the homes that haven't got them YET!"

Treatment and repairs can be extremely effective - - and restore the value of a property, in my opinion.

If you really love the home, then it is worth getting the treatments, and repairing any damage which may have been caused. If you are looking to protect your home and the value of it - - Fix it!

If you are looking at buying a home of which you are aware their has been a problem, or the potential of one, often times in the negotiations, a buyer can ask the seller for treatment to take place prior to the purchase and show receipts to that affect, or ask for a financial concession off the selling price or towards your closing costs in lieu of that repair, freeing up your own money to take care of the problem after your purchase. I do always opt for the second option, when working with Buyer Clients - - that puts them in charge and control over who performs the work, the cost, and most important the warranty for the work.

Shop around for treatments or treatment plans though because prices can vary greatly from what I have seen in my experience. Good luck and don't hesitate to contact me if I can help with any other advice.
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1 vote Thank Flag Link Thu May 15, 2008
I am getting ready to buy a home here in Oklahoma City that had been treated for termites in 2013. My wife and I are trying to move very carefully as we consider buying this home. We have had 10 different homes, in 6 cities, in 3 states, in last 38 years. We have never had a home with termites... My question is, do I have much to worry about if I buy this home and would like to sell it 8 years down the road... Waiting to hear from you....
Flag Sat Jan 4, 2014
CG - From a real estate standpoint, the mere presence of termites does not effect the value. Lenders and mortgage companies usually require a "clear termite letter" stating the property has been inspected and was found to be clear of termites, wood boring insects, etc. before they will lend money or make a mortgage. If the infestation is bad enough that it has caused damage, then the inspectors will not be able to write a "clear letter" for the mortgage company so the mortgage company will not loan the money until the damage has been repaired and the property has been treated and re-inspected. If the damaged home was not treated, then it may be worth less on the market as it has "issues" and any buyer who needs to get a loan will not be able to do so. If termites are present then treatment alone will usually satisfy the inspector who can then write the "clear letter" for the lender. Here in Hampton Roads, VA we have lots of termites. I recommend to my clients that they get a reputable termite company, buy a policy and keep it up to date. Lots of termite companies will come inspect your home for free, just listen to the advice they give you and shop around for a good company. In the event you are purchasing a home that has been found to have termites, it will be treated before your lender will make any loans. Don't let termites ruin your dream of home ownership.
1 vote Thank Flag Link Mon May 12, 2008
Good afternoon CG:
Value is impacted in a few different ways. First of all there will be some buyers that will not purchase the home regardless of the extent of infestation and damage, therefore you have fewer buyers interested in the home. Secondly it depends on the extent of the damage if any and if it was repaired properly. Lastly there is an ongoing cost of treating the termites.


1 vote Thank Flag Link Mon May 12, 2008
Opps, question posted May 2008.

Termites are a part of the environment. Nothing to get excited about.

Termites, just like water intrusion, if left unabated, WILL effect the value of the home.
If structural damage is caused, and the roof line resembles a saddle,. you can start deducting value in $10,000 increments.

Annual treatment, and keeping wood off the roof, eliminated water sources, is the best way to protect your house from a saddle roof. There is no shortage of 1920 constructed frame homes that are still standing proudly here in Florida where termites, sand, torrential rain all combine to make home owning an adventure.

Don't sweat it. Sign up for annual treatment then follow your real passions to celebrate life.
0 votes Thank Flag Link Wed Oct 15, 2014
if you currently have a yearly termite treatment plan and can provide paperwork that there are currently no termites then you should be ok and this should not affect the value of your home. This shows that you are being pro-active and diligent. Make sure to provide all paperwork to the prospective buyer on this - When you first hired the company and how often they come out to check (should be once a year)
0 votes Thank Flag Link Wed Oct 15, 2014
I think there are more homes than we realize that have had termite infections. It is not a rare thing to come by. If the problem was treated correctly and completely then it shouldn't be a big deal.
0 votes Thank Flag Link Thu Jun 12, 2014
Hi CG,
Really, this depends on your buyer (or potential buyer.) Having the treatment done and being under contract with a pest mitigation company (with proof of contract in hand) is essential. Make sure to disclose the issue before any offers are submitted.

If you have substantial damage, repair the affected area(s). You should be fine.

Best of luck!

Bill P
0 votes Thank Flag Link Fri May 7, 2010
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