Above-Ground Pool

FNMA does not address above-ground pools but FHA does very strongly.

Page 16 of Appendix D says

”If the sale involves personal property (e.g. above ground pool, lawn mower, furniture, etc.), it should be identified and excluded from the valuation.”

The position is reiterated on page 25:

”Above-ground pools are considered personal property and are not to be included in the value.”

I cannot imagine a circumstance in which I would include an above-ground pool as part of the residence. What you have is a nice deck with a hole in it.

Some photos of above-ground, in-ground, and on-ground pools.