From the Star Ledger:
Post Irene, houses for sale in flood zones now give buyers pause
That house for sale on River Road might be viewed a little differently now by prospective homebuyers.
Add to that the storm damages some listed properties suffered in Hurricane Irene and the autumn real estate market in some parts of the state is looking a little shaky.
“Right now, this is fresh in (the buyers’) mind,” said Joanne Liscovitz, a real estate agent with Coldwell Banker in Hillsborough. “This is going to take a while for it to go away — that feeling of, ‘Well, I don’t want to put myself in that situation.’”
Earlier this week, Liscovitz took one property — a three-bedroom house in Manville that was up for a short sale — off the market so its owner could fix flood damage. After Hurricane Floyd in 1999, the owner redid the kitchen and floors, but with Irene, water was up through the basement and into the living areas once again.
It was most recently listed for $189,000, but as soon as buyers see its proximity to a bridge, they tend to waver.
“You can only ask so much money for a house in a flood zone versus not in a flood zone, and there’s a lot of work involved and a lot of inconvenience when you’re the owner,” Liscovitz said.
“Buyers are scared as it is,” she added.
The housing market may be affected more in towns that were affected most by Irene, like like Manville, Fairfield, Wayne, Paterson and Bound Brook.
“Since we’ve had all these floods this year, the flood zone properties have been (hit) very, very hard,” said Joe Palermo, owner of Re/Max Tri-County Realty in Wayne. “There are very few of them actually selling.”
…
The storm will have other ramifactions as well. Owners will take their damaged houses off the market for repairs and it could be a while before the properties are ready to show. New kitchens or floors will be one perk for new buyers, but the fact remains — the house is in a flood zone. With Irene fresh on their minds, few buyers are willing to gamble on these kinds of houses, no matter the price.“Trying to sell a home that’s in a flood plain is challenging at any time,” said Gary Large, branch manager of Prudential New Jersey Properties in Morristown and president-elect of the New Jersey Association of Realtors. “But when you’re coming off a storm (like Irene), obviously buyers are going to be gun-shy.”
Bulldozing is an option. Restoring the built-up flood plains might do some good in reducing the extent of future floods.
Flood insurance should be a program where the gubmint pays one claim per lifetime of the house.
Second flood event? Bulldoze the mf’ers.
Want to live in a flood zone? The risk should be 100% on you.
What I find most amazing about this article is it’s claim that anyone wants to buy and live in Manville. I though it was a town that tweakers used to hide out in their dead grannies basement.
Are there any homes left in Hoffman?
http://www.abandonedbutnotforgotten.com/hoffman_grove_wayne_nj.htm
I’d be all for tearing down Willowbrook Mall and building a detention basin in it’s place. That said, the homes on Fayette should be torn down, as should Riverside drive (around the mall), the entire Woodcliff Ave area on the other side of the river, the deep-in Ryerson area.
All of these places were never intended to be full-time residences, and were nothing more than bungalow communities without any real utilities.
“For 40 years, our monetary policy enabled our ignorance of a very real and pressing problem: Other countries were catching up to us in technology and we were no longer in the front of the pack by a mile. Instead of doubling down on education and allowing the market to guide the future, we passed the buck. We decided that a continually rising standard of living without interruption was preferable to tightening our belt and delaying gratification.
Now we find ourselves saddled with ginormous debts and no economic infrastructure with which to grow our way out. We are a late-stage kidney failure patient on dialysis, and we are in terrible need of a transplant.
So how do we fix this?”
http://www.zerohedge.com/news/guest-post-why-full-faith-and-credit-governments-inferior-real-assets-and-how-we-can-fix-it-onc
Second flood event? Bulldoze the mf’ers.
It would make sense that a buyout clause be included as a contingency of coverage.
Sold in 09/2004 for 595K, then 03/2005 for 525K (strange), renovated top to bottom, currently listed for 560K. It’s near a bust street but I find it appealing in some respects. What do you think?
http://www.trulia.com/property/1042927780-7-Snyder-Ave-Ramsey-NJ-07446
Something to think about this NFL season
http://www.lewrockwell.com/blog/lewrw/archives/94233.html
And BTW, am I actually crazy for looking at houses in Upper Montclair? I ride my bike around that area a lot and was always charmed by some of the story book roads and houses.
Detroit – thank god we don’t live there
Capital of Scrap: Dying Detroit Looting Itself
http://cryptogon.com/?p=24698
Megalomanic German (ex-) Chancellor demands European countries to to give up national sovereignty. Said Chancellor already has a personal pact with the Russians.
Somehow the script sounds vaguely familiar..Yeah, this will end well.
http://www.reuters.com/article/2011/09/04/us-germany-europe-idUSTRE7831IE20110904
oh, I missed the part where said chancellor of German (Reich) says that “”Great Britain causes the greatest problems”. At least it’s not the jews this time.
History may not repeat itself but it sure rhymes.
jamil,
I enjoy your posts.
New, nice looking home but bad location… I wonder what the sale price will be:
http://www.trulia.com/property/3045009844-26-Lake-St-Westwood-NJ-07675
ediLeLoMemise jufufduy Quekcealley
Gary,If your taking spanish lessons westwood is the place for you
Gary,
You are crazy! Supporting Jamil and his politics while considering Upper Montclair for residence is like stocking your swimming pool with piranha.
18. So what else is new? Seriously.
Re: Flood Zones —
I am constantly amazed by these people who bought a home near the river (probably paid extra for a Water-View) and then complain when the get flooded. These very same people are likely the ones who fought their Insurance company to remove their Flood Zone Rating and lower their premium.
“But the Government has to do something about this!” they say.
That river has been there since the last Glacier receded……and you want to do exactly what ??? Re-route the River ?? Build miles of levees ?? Raise you bungalow on pilings ??
Move out of that moldy litter box and get a life.
Not much actually. Just working on my never ending to do list of things I need to do around the house.
Saw an interesting chart in the Star Ledger yesterday.
http://media.nj.com/njv_john_farmer/photo/american-work-graphicjpg-cc0c64e2ef0fa50d.jpg
As bad as Obama has been, he appears to have been no worse (or different) than his predecessor. What are your thoughts on this chart Jamming Jamil?
Fiddy,
It’s no different than the Quiet Zone in Montclair. All of these ignorant homeowners who bought homes near the tracks (and at a significant discount both in purchase price and property taxes due to the noise) convinced the town to spend 1.2 million to upgrade the grade crossings so the trains could blow their horns less often. Keep in mind, there have been three accidental rail deaths in town in the past decade due to people walking the tracks and not hearing the trains.
I’m with Grim. It’s time for the government to buyout the homes in the flood plains for what the homes would be worth in the current RE market. Sure it would require a major downgrade for most of these people, but they too got the discount when they purchased in a flood zone and pay less in prop taxes. Of course it will never happen as our leaders are eunuchs. By not having these flood plains covered with asphalt and homes, most of this flooding would probably be eliminated.
Off to Lowes to buy what I need for the next round of projects.
#10 gary:Are you back looking for houses again?
gary, just wait it out. i know plenty of people just hanging on.
getting worse by the day . many cannot afford what they are living in.
#5 grim
It is still going strong. I think the last round of FEMA buyout only covered about 40% of the houses.
Your property taxes hard at work.
3b [24],
The contract I just landed has the strongest potential for going permanent than anything I’ve had in the last three years. In the first month alone, I’ve been tearing it up on this job. Coupled with that, I’m also starting to see cracks in the price structure of housing with reductions at 30K and 40K clips instead of 5K. Houses that had 6 handles are now pushing the 4 handle barrier.
People are edgy because they’re getting pounded now daily by bad economics and politics which can be a lethal combo the longer the disease goes untreated. Once I go permanent, my house starts getting advertised and I start making bids. I’ve got meat and potatos to back it up; if a seller doesn’t like my criteria, I move to the next one. No f*cking loss for me, I’m in a win-win situation.
freedy [25],
I know.
some can’t afford to get the car fixed. trying to figure out how to keep appearances up
That chart is very interesting. Though it might actually make some people in the Tea Party nervous.
50 cents[20]
The flood map comes not from the insurance company but from the Corps of Engineers. Insurance company only writes the policy and handles the payments on behalf of the Feds; if they did it for themselves they’d be out of business quite a while back.
I found an NJ RE Mascot:
http://irikarah.tumblr.com/post/9806314608/taxidermy-by-lost-in-new-york-on-flickr
And the European markets had fun today – down 4-5% with the wonderfully solvent and fully capitalized banks down even more.
Europe just closed real ugly as that nitwit Rick Perry might say. I’m sure he’s thinking if we just got the n… out of the white house and that j.. out of the federal reserve we could go back to the old time religion. Never thought I’d think GW was relatively intelligent. The current detached narcicist in the White House has a chance at redemption Thursday. ( Yea, i know, I’m an optimist underneath.) Odds are he blows it.
We know what we’ve got….and unfortunately Doom/Meat looks like the most cogent predictor on this site. Smoke em’ if you got em. Happy Labor Day all.
BTW…the unshackling is therapeutic. Sell! Sell! SELL!
30 look the start date of gwb. I wonder why that was chosen as 2008 /sarc
You can lie but you can’t hide
Not that State Media won’t try..
SoccerDad [34]
Two things related to RE that he can propose (and that won’t require any budget outlays) are forcing Fannie/Freddy to agree to refinance the full mortgage amounts for the underwater borrowers in good standing, and creating some lever to force the speedy liquidation of REO and demolishing the properties not sold in say 6 months.
For direct and fast job creation we need to either borrow more (won’t fly with the House), eliminate prevailing wage regs (won’t fly with the Senate and unions, and O’s reelection campaign as well), or set up meaningful tariffs (won’t fly with the corporate sponsors, most everyone who’d studied economics for 1 semester and internalized what he’d been taught about Smoot-Hawley, and requires some time to kick in anyway).
cobbler, I sold my remaining mortgage REITS on Thursday because a) the potential refi and b) proposed new unfavorable tax treatment. They were a nice alternative to money markets at 15% plus but the negative potential became overwhelming.
SoccerDad [38]
You may consider their (Mortgage REITs) preferred shares. While the yields are certainly much lower than the common (but still close to 8%), I don’t see the risk of default any higher than for UST as long as the existing Fannie/Freddy bonds carry the govt guarantee. If the new bonds don’t carry it, and REITs buy them, it becomes a different story; so far we are not there yet.
Doom On in Europe. Get ready to sit in your bathtubs this week and sh_t yourelves in fear.
Big vote on Sept 7.
We live in a flood plain. We sustained no damage from Irene (other than the cost to buy sandbags/sheeting/duct tape/ to secure the foundation.)
I’d say the emotional price was worse. Worrying about the house taking on water.
The guy down the river from us took on water during the last flood and was prepared this time. He already had furniture lifted onto concrete blocks and plywood. He warned us about the risk of backwash into our toilets and drains.
He also warned us to move our cars to higher ground. My sister has a friend in Pinebrook whose cars both got washed away! Water filled their basement to the ceiling and entered the first floor by a foot.
Oddly enough, we were fine. Prepared for electrical outages that never came and flood waters that we were better able to gauge now for the future. I’m now grateful for not having a basement.
We still love the river in our yard. It’s kinda neat even during the ‘minor’ floods when the water is only 2 or 3 foot high in the backyard. My only regret living in a flood plain is being unable to have a really great garden like we have had in the past.
sl
41. Glad that you were OK there Doc. What’s really got to be tough is the type of rivers that are in this area and the PCBs in them and toxins. We live in superfund central. That would be my issue. These are not rivers that I’d swim in.
Essex, 42
Thanks! We did little wading in the water and only then with high rubber boots on. I sent pics to Grim, he’s free to post ’em if he wants.
We were really shitting bricks for a while though… even when the sun came out and the water started receding…. then the police called to warn us that a dam in Mahwah had broken….more angst.
The water started surging again– still a foot short of the initial “high water” mark from the storm.
What humbled me was the incredible sense of camaraderie and kindness expressed by our neighbors who showed concern and offered help when my in laws were completely absent of any concern other than a brief call *after* the storm had passed and the danger gone.
Our neighbors gave us pointers to weather the storm, offered us housing, picked up supplies for us and even offered to help sandbag our foundation. I’m humbled by their kindness.
Your welcome to come kayaking in our backyard after the next flood. :)
sl
42.
Essex,
Had a conversation with a guy from the EPA a few years ago. He tested the Hackensack river. Sample was put in a plastic test tube. After a few day the sample was gone because the bottom of the test tube corroded out.
43.
SL,
Glad you made out ok. Goes to show you that there are some good folks left in Jersey. I remember during the 12/26/10 snowstorm after 30 inches of snow the useless g_v employees still hadnt plowed the street after 3 days. 20 of us shoveled out the entire street and every driveway. When the SHTF there may be hope.
On A Budget For The SHTF?
http://www.youtube.com/watch?v=0GOmG1sqHGg
34 yeah. The Great Teleprompter has a great track record. You are right, that other nitwit sounds scary. Who the heck he think he is? Former Air Force pilot who has been creating more jobs in one state than all other states compared. We can’t have that, can’t! Doesn’t he understand that high taxes is the solution?
Our Communit Organizer was hand-picked (racial profiling rules!) from 4th rate community college to Ivu League so must be intelligent? Yeaaaaaaaaaaaaaah!
44. Al I’m afraid that most of the major rivers in this country are probably f*cked and caustic. Even in rural areas with farm runoff being the culprit. But here in Jersey we get a special cocktail all our own. Heavy Metal baby.
I used to think that a functioning brain was required for a POTUS, But now i think a misplaced sense if moral outrage and a pair of tits will suffice.
Garden State Plaza an absolute mob scene today,
just like December 23rd rush.
Apparently the recession is over.
its bergen county. no recession here. property also holds value
Which one are you in this picture Jamil?
http://www.ebaumsworld.com/pictures/view/80469274/
DETROIT (AP) — President Barack Obama used a boisterous Labor Day rally to put congressional Republicans on the spot, challenging them to place the country’s interests above all else and vote to create jobs and put the economy back on a path toward growth. “Show us what you’ve got,” he said.
What a minute, I thought the Choosen One told the Republicans to step to the back of the bus and his cronies kept saying “we won, deal with it.” This guy is a real f*cking mope.
(49)
Whole foods in union mobbed. As people get power, they are restocking.
Came back from OCMD today. Saw about ten separate convoys of tree company and utility cherrypickers heading south on the turnpike.
(52) gary,
T shirts shops on the OC boardwalk used to be filled with sports rivalry shirts, teen themes shirts, and tourist crap. Never saw many political shirts in the past.
This year, there were political shirts in abundance, and the themes were anti Osama and anti Obama.
Circumstances give in reality to every political principle its distinguishing color and discriminating effect. The circumstances are what render every civil and political scheme beneficial or noxious to mankind.
Edmund Burke
(47) jamil,
I know some HLS grads that are very book smart, but when it comes to functioning in the world, are as dumb as a bag of hammers.
And I thought dear leader went to Columbia undergrad? Liberal yes, but 4th rate?
Nom [56],
I agree, definitely not 4th rate but he has no friends on the hill whatsoever. He’s either too arrogant or has a people factor of 1.67 out of a scale of 0 to 10. I’d say it’s a little bit of both.
#27 gary: Understand.
58. He tried and failed to “triangulate” a la Slick Willie…..
56 com
Yeah tell me about cu and the marxist rallies there. I hated them since the first date i got there.
O went to Accidental college, then got mysterious transfer to columbia. His transfer records and grades are state secrets. If this had been gwb or sp, State Media had sent 500 “reporters” to dig up them.
Ps 48 is not me
[59] essex
A while back I said two things about Obama:
1. He has to triangulate, and
2. He will find it much more difficult than Clinton, if not impossible
So far, I think I’ve been proven right.
Now, if the GOP takes my advice and seizes the middle ground, Obama is done. So far, they haven’t moved much toward it.
I will say this about the hurricane; I prepped well and had very few issues. The biggest was entertaining my daughters.
It also showed up some shortcomings in my prepping. I knew about them and good thing they weren’t tested. Will have to make sure that they are nailed down before winter comes in earnest.
But I am gratified that my prepping was more than adequate, and that if things were worse, I was reasonably well prepared. There’s a certain relief or satisfaction in that which I found helped to quiet the mind.
[46] chifi,
Meh. When it comes to being a skinflint prepper, I have that guy beat. That piece ignored what I call infrastructural prepping, which is to make sure you have the tools and supplies to produce what you need. It’s more than stockpiling just food and ammo.
Many of the supplies I have accrued cost NOTHING, or next to nothing. Yard sales are a great source for prepper equipment. And things I would have thrown out before are now quietly put aside instead.
If I keep making progress, I will have to get a nompound as I will need space for all this stuff.
Hurricane preparation here = pack bags + fill gas tank + cash in wallet, then get out of Dodge.
Gold overshot platinum today which had never happened before, at least in post-conquistadors times. Let’s see how sustainable this is.
65. hang tough esc. — btw — got rid of the German sedan and went for a Pony Car with a sweet high revving V8…..Giddyup!
jamil[60]
Accidental college I guess is your alma mater. O went to the Occidental which is pretty well reputed CA liberal arts school in the mold of Hamilton College, etc.
Essex, sounds pretty cool. I used to drive a well used ’65 289 when I was a kid. good times :)
Cobbler 67 Sure you want to hang your hat on “pretty well reputed CA liberal arts school”, just a thought.
Gary looking for a house, say it isn’t so. OK maybe time to call a bottom, nah come to think of it plenty more pain to come.
Futures looking pretty grim, get your dow 10,000 hat out folks. Busy tomorrow really pissed wanted to see the talking heads on CNBC sh*t themselves.
I’m not a huge believer in the credentialing that goes on as far as schools go. Some of the best minds that I have encountered went to state schools. Remember that both Bush and now Obama have represented the Ivy league and they’ve been less than stellar in their performance. Seriously, a good idea can come from anyplace. I’ve also got a lot of respect for folks who live simply and in places far from here. My fondness for social climbing is nil.
A close friend of mine down here was a Fulbright and Rhodes scholar but never had big career aspirations. If she had to do life over again she would have prefered to live on a remote island or just live on a boat. In some ways I guess that is what she is doing now.
mike [69]
We could argue on what role the affirmative action played in his getting there and later transferring, but the school is pretty good. And I don’t think it’s possible to have done worse than Perry with his D in Intro (and only) Econ, and C in US History. In any case, graduate school is more important.
Remember that lots of people in the US are anti-intellectual in the sense that they do not read, do not trust history or the various media outlets and they simply want to make a buck any way that they can. Boring really.
And when I say they don’t trust the news, they probably have never bothered to watch it. Growing up I can remember being forced to sit down and watch the news when it came on before dinner. It might have been biased or whatever the current idealogy is about reporting, but it was an attempt to be informed. Many many Americans don’t even bother to know anything. They suck at life.
Essex, The reporting of the news = entertainment without the objectivity. Friend of a friend is a card carrying democrat / retired hot sh-t dc law partner / head of local aclu chapter. We went as a group to that Al Gore sci-fi movie a few years back. They stood up and applauded during the credits. I thought they were going to run up and kiss the screen. Embarrassing.
gary (27)-
Even if you score the house in Montklair at the right price, you have taxes spiraling out of control, a Politburo of dunces who want to strip you of everything, a significant population of utter layabouts and a bunch of whining limousine liberal milquetoasts for neighbors.
Within a year, no one in town will speak to you. Then, they will conspire to tax you into oblivion and/or make you move.
Cobbler 74 Not a Perry fan either. How “O” did in school or whatever school he went to is irrelevant, doing a pretty crappy job of running the country and that is being kind.
throat (34)-
He blew it a long time ago. Now, it’s obvious to all he’s nothing more than a bankster tool.
I used to like NBC nightly news with Tom Brokaw. It might have been a little different then. Now we are in this 24/7 news cycle and it is all about sensationalism. But the amount of information that is out there is astounding and very accessible. Most folks would rather be spoon fed the nonsense and dig their heels in like children and respond with emotion rather than informed opinion.
81. Agreed. It’s like going to work every day when you know you suck at what you do. His days must be long and relatively thankless. He can’t imagine himself a success in terms of performance. Yet his personal popularity is not that bad in terms of polling.
Essex, did you get the 2012 Ford Mustang Boss 302?
sx (81)-
We respond with emotion because we’ve been conditioned to follow our feelings rather than think things out.
Ross Perot was the first who had the balls to say this. Soon after, some very nasty things began to “come to light” about him and his kids.
Hmmm…
sx, Bojangles probably thinks he’s the best President ever.
He probably also hears that a lot from Daley and his JPM cronies.
Dexia CEO resigns.
Rut roh.
The latest edition of the list of troubles for the economies of the world:
http://www.bloomberg.com/news/2011-09-05/economies-in-peril-proving-voters-aren-t-careful-about-what-is-wished-for.html
SX: Of course not…you went to a shitty school….nice rationalization…of course fcukups come in all flavors and from all walks…a credential in itself is nothing, but to reflexively dismiss something in this manner just proves what a toothless hick you are…..
Essex says:
September 5, 2011 at 9:42 pm
I’m not a huge believer in the credentialing that goes on as far as schools go. Some of the best minds that I have encountered went to state schools.
No I didn’t. My education is first rate. I was able to routinely beat out ivy’s for job. Thanks for the troll though.
84. No sir, I am not quite that flush. I got a “Bullitt”. Which is fine for me as I am a huge Steve McQueen fan. Most of us “toothless hicks” love him and Clint Eastwood for some reason.
I find the whole “SCHOOL” thing pretty amusing actually. I’m 45 this year so really my education is of little or no concern to me at this point. I have a masters degree and a stable job. My income is above average. What I find fascinating is those who for some reason cling to their schools like some baby blanket that should entitle them to instant credibility and respect. Where I have watched in many cases “well educated” people perform their duties with complete incompetence and look to “me” to help them out.
A little background might help here I spent most of my career is business development which is a fancy word for sales. In sales you live by your wits. It is the ultimate contact sport and can be very brutal. Fortunately, I am removed from the corporate world now but as I reflect on the past I actually have the insight that simply says anyone who is leaning on “where” they studied 10, 20, 30 years after the fact has not learned a thing. Usually these folks are incredibly insecure and equally ineffectual.
Just in case it wasn’t clear where she was coming from, everyone’s favorite exploitation queen, Maxine Waters, makes it clear that if the banks don’t pay off the mortgages for all the poor people, she will “tax them out of existence.”
http://abclocal.go.com/kabc/story?section=news/local/los_angeles&id=8336724&rss=rss-kabc-article-8336724
Pisani channelling Clot
http://www.cnbc.com/id/44376194
Meat,
How about this poetry?
He spent more time campaigning for the CFR and CEO globalist John Corzine (Goldman Sachs) who destroyed our state. Thank God the good people of Ocean County took this Kenyan bastard to the wood shed in the election. Times are dark and they are going to get darker. The truth is far uglier than most people are willing to accept.
Essex, 72 and
Escapee, 73
Amen brothers! I long for a simple, self sufficient life.
sl
Essex, 81
Meat, 84
Again, you guys are my kindred spirits….. To today’s world and people – Is there logic? thought? common sense? analysis of intricacies of complicated problems?
Hell, no. Given a choice between watching soft squishy movies and doing math, physics or complicated problem solving, you *know* what 99.99% of people would choose.
sl
Gold $1,913.40 $1,915.40 $36.50
Silver $43.22 $43.32 $0.18
Any questions? You will learn even if I have to shove it down your f_cking throats.
Moss, 95
Yep. Our economy is akin to the whole of us floating in the deep ocean, in the dark, with sharks circling. We are just waiting for the next one to bite.
We keep hoping a rescue boat is coming for us but those of us with our wits about us are trying to stay in the center, resist drinking the salt water, and calculating direction with the stars above to try and save ourselves by paddling in the direction of some safe shore.
The word ‘grim’ is an understatement.
sl
Gary,
Dont move to Montclair brother. Better off renting a place in Montana. Buy yourelf 200,000 rounds of ammunition and get a phone book. Seriously. If you move to Montclair I am going to bleed myself out.
I’m almost looking forward to an all-Republican federal government so I can watch the racists and wingnuts twist themselves into pretzels trying to find a way to blame liberals when things get worse. New boss will be same as old boss, only more theocracy.
I bought a home that backs on the Passaic River; bought it almost two decades ago. It was built in the 1940’s. The history of it was that it only got water in the (unfinished) basement during only 3 or 4 floods for the prior approximately 50 years that the house existed. Based on that history, at the time I bought it, it didn’t seem like that much of a risk. Other homes in the same town as far as a couple of miles from the river, however, had much worse flood histories……..they flooded more frequently and more severely due to their lower elevation. The house on the river is therefore not necessarily any more of a flood risk (and sometimes it is LESS of a flood risk) than one a few miles away at a lower elevation. However, now during the past several years, after all the overbuilding in town and who knows what other causes, my house has begun flooding frequently and much more severely. I think that people who indicate I deserve this for buying a home on the river aren’t being fair. It was perfectly fine for many decades, but conditions unexpectedly changed very severely (extreme overbuilding in and around the town and the river and maybe other factors) that (at the time) a young person buying their first home could not have realistically predicted.
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