A second bathroom will most certainly add value, but less so since it is in the basement and removed from teh bedrooms. I'm assuming that the basement is finished space. A second bathroom in a finished basement is surely more appealing that a second bathroom in an otherwise unfinished basement. Do be sure to get necessary permits or you'll create a problem for yourself down the road.
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It depends on who has ownership and maintains the lake. If this is in a platted subdivision with common areas it could fall under the Association. If the lake or pond is on one parcel with no other shared boundries, then the owner could incur insurance costs.... more