In my opinion talking to the bank will do no good. If the bank's departments don't communicate, your communication and/or correspondence will have no impact. Ditto for hiring an attorney to do your bid... more
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Sarasota County's building department keeps permit records back more than 10 years, just not all data is available online. The city of Sarasota does have some records back more than 10 years but the information is difficult to obtain, you have to fax a written request. The question becomes one of what year was the conversion actually done. A lot of remodeling done in the 60's and 70's did not require the permits that are necessary today.
Just because the county is taxing you on the added living space does not make it legal. I am surprised your insurance company has not asked about permits as well as code compliance is becoming a picky topic of late with them.
Every appraiser I have spoken with is saying lenders will not include living square footage that is not in agreement with the property appraiser's information, most say the lenders also want to see proof of permits if there were garage conversions or enclosures of lanais and porches. If your addition was never permitted, there is the potential that the county (or city, depending on the jurisdiction) can now make you bring it up to CURRENT code requirements in order to obtain a permit, or sometimes even force you to tear down the enclosed structure and start over. Which may explain why you are having issues with the refinancing.
Have you spoken with anyone in the building department about your situation?
What are your price ranges for both buying and renting? Having a large dog will exclude many rental options, especially condos, but there are a handful of apartment complexes that allow tenants to have pets. What is the weight of your dog? What breed of dog?
I personally live in Bradenton and work in the Bradenton - Sarasota area. Would be happy to help you if I can.