New York Times Interviewed Steve Schappert

Steve Schappert is a name synonymous with waterfront expertise. Even 24 years after his initial interview with The New York Times, he continues to be the go-to person for knowledge and advice on this topic. His impressive CV includes two articles in The Washington Post over the last year alone – a testament to his unrivaled understanding of all things real estate and water-related. Whether you’re looking to buy a waterfront home or simply want to spend more time connecting with nature, Schappert is the man for the job. Don’t take our word for it – pick up the phone and call him today!

The Ultimate Guide to Waterfront Living in Connecticut:

What You Need to Know Before Buying

Introduction: Living by the water has always been a dream for many, and Connecticut offers an array of beautiful waterfront properties that can turn that dream into a reality. However, before taking the plunge into waterfront living, it’s crucial to have a comprehensive understanding of the unique considerations and factors that come with it. In this blog post, we will delve into the top things you should know about waterfront living in Connecticut, including the pros and cons, flood zone issues, insurance, environmental impact, waterfront-friendly landscaping, and other essential facts to consider before buying.

1. Pros of Waterfront Living: a. Stunning Views: One of the biggest advantages of waterfront living is the breathtaking views you’ll enjoy right from your home. b. Access to Water Activities: Whether it’s boating, fishing, swimming, or simply relaxing on the beach, waterfront living offers unparalleled access to various water activities. c. Serene and Peaceful Environment: Living by the water provides a tranquil and peaceful setting, allowing you to escape the hustle and bustle of everyday life. d. Potential for High Property Value: Waterfront properties often have a high resale value due to their desirability and scarcity.
2. Cons of Waterfront Living: a. Vulnerability to Floods: Waterfront properties are susceptible to flood risks, especially during storms or severe weather events. Understanding the flood zone classification and potential flood risks in the area is crucial. b. Higher Insurance Costs: Due to the increased risk of flooding and water-related damages, insurance premiums for waterfront properties can be higher than for properties located further inland. c. Maintenance Challenges: Waterfront properties may require more maintenance due to exposure to saltwater, humidity, and other environmental factors. d. Limited Privacy: Depending on the location and proximity to neighbors, waterfront properties may have less privacy than those located further inland.
3. Flood Zone Issues: a. Familiarize Yourself with Flood Zone Maps: It’s important to consult FEMA’s Flood Insurance Rate Maps (FIRMs) to determine the flood zone designation of a prospective waterfront property. b. Obtain Flood Insurance: If the property is located in a designated flood zone, securing flood insurance is crucial to protect your investment. Consult with insurance providers specializing in waterfront properties to understand coverage options and costs.
4. Insurance Considerations: a. Standard Homeowners Insurance May Not Cover All Risks: Water-related damages and flooding may not be covered under a standard homeowners insurance policy. Explore specialized insurance options, such as flood insurance, to ensure comprehensive coverage. b. Mitigate Risk: Taking preventative measures, such as installing storm shutters, reinforcing windows and doors, and elevating mechanical systems, can help reduce insurance costs and minimize potential damages.
5. Environmental Impact and Conservation: a. Understand Environmental Regulations: Waterfront properties may be subject to specific regulations to protect the natural environment and preserve ecosystems. Familiarize yourself with local laws and restrictions regarding construction, landscaping, and water usage. b. Responsible Landscaping Practices: Opt for waterfront-friendly landscaping techniques that minimize erosion, preserve water quality, and enhance the natural beauty of the surroundings. Utilize native plants, implement proper drainage systems, and avoid excessive use of fertilizers or pesticides.
6. Water Activities: Connecticut’s waterfront properties provide fantastic opportunities for water activities such as boating, fishing, kayaking, and swimming. Familiarize yourself with local regulations, permits, and licensing requirements for these activities. Consult with the Connecticut Department of Energy and Environmental Protection (DEEP) for detailed information.
7. Licenses and Permits: Certain water activities, such as operating a motorized boat, may require licenses or permits. Research and obtain the necessary approvals from local authorities to ensure compliance with state regulations.
8. Lake Water Levels: Lake water levels can fluctuate due to seasonal variations, precipitation, and dam operations. Understand the potential impact of water level changes on your property, such as accessibility, shoreline erosion, and the availability of water for boating and swimming.
9. Wearing of Materials: Living near the water can accelerate the wear and tear of building materials, including exterior surfaces and fixtures. Choose durable materials that can withstand exposure to moisture, salt, and other environmental factors. Regular maintenance and periodic inspections are crucial to preserve the integrity of your waterfront property.
10. Remodeling Homes: If you plan to remodel or expand your waterfront home, be aware of local zoning regulations and permits required for construction near the water. Consult with local building departments to ensure compliance with setback requirements, environmental regulations, and restrictions on building near shorelines.  You should check town hall, The DEEP and FEMA.  Every town and every body of water is different and is regulated differently.
11. Sharing the Property: In some cases, waterfront properties may be part of a homeowners association (HOA) or shared community. Understand the rules and regulations governing shared spaces, common areas, and any fees associated with these arrangements.
12. Hidden Costs: Owning a waterfront property often entails additional costs beyond the purchase price. These may include lake association fees, private road maintenance fees, seawall repairs, and other expenses related to maintaining and protecting your property. Factor these costs into your budget and long-term financial planning.
13. The Property’s History: Research the property’s history, including any previous flood or water-related incidents, shoreline erosion issues, or environmental contamination. Obtain a property history report and consult with experts, such as environmental consultants or home inspectors, to assess any potential risks or liabilities.
14. The Property’s Condition: Thoroughly evaluate the condition of the property, including the foundation, shoreline, docks, and other waterfront structures. Consider hiring a qualified home inspector with expertise in waterfront properties to assess the property’s structural integrity and identify potential issues.
15. Sewage System: Verify the type of sewage system in place and ensure compliance with local regulations. Some waterfront properties may utilize septic systems or other specialized wastewater treatment systems. Regular maintenance and inspections are necessary to ensure proper functioning and minimize environmental impact.
16. Your Responsibilities as a Waterfront Property Owner: As a waterfront property owner, you have a responsibility to protect the water quality, shoreline integrity, and natural environment. Adhere to best practices for waterfront living, such as proper waste disposal, responsible boating, and using environmentally friendly landscaping techniques. Stay informed about local conservation initiatives and participate in efforts to preserve and enhance the water resources.

Conclusion: Waterfront living in Connecticut offers an idyllic lifestyle with unparalleled natural beauty and a wealth of recreational opportunities. However, potential buyers should be aware of the unique considerations associated with waterfront properties, such as flood zone issues, insurance requirements, environmental impact, and maintenance challenges. By understanding these factors and conducting thorough research, you can make an informed decision and enjoy the many benefits that waterfront living has to offer while safeguarding your investment and the environment.

Steve Schappert Founded, and is the broker at Connecticut Real Estate, Schappert owns The Connecticut Art Gallery and Home & Art Magazine   Steve also designed, built, and shipped a zero-energy double-walled home to Germany.  Schappert is an abstract painting artist and has painted, renovated and provided energy audits for over 1300 homes.

When it comes to real estate, construction and energy efficiency, Steve Schappert is one of the most sought-after experts in the field. With more than 40 years of experience in these areas, he has become a trusted source for reporters looking for insights on the industry. From helping develop net-zero homes to advising on sustainable building practices, Schappert’s knowledge and expertise is unrivaled. Whether it’s for a news article or an in-depth magazine story, reporters turn to Steve Schappert as a reliable source of information. With his expertise and guidance, they can ensure that their stories are accurate and up-to-date.

In the last year I have been interviewed by ABC News Manhattan, Connecticut Magazine and featured in 2 articles in The Washington Post.

If you are looking for a creative broker that thinks outside the box  and has been a recognized expert for over 30 years call or text 203-994-3950