Having a hobby farm is something I’ve dreamed about for years, and a lot of my clients share the dream. My family and I have the makings of starter hobby farm with chickens and quail and a big vegetable garden in various stages of failure, but high hopes of better success next year. It’s just about all I can handle at the moment (raising food is So. Much. Work. and farmers have got to be some of the hardest working people out there who will always have my gratitude and awe) but I still dream about one day having a real farm.
Here in Boulder County, there are a lot of beautiful agriculture properties but these properties come with all sorts of considerations when mulling over a purchase. Let’s dive into a few of them.
1. Does the property have water rights?
The more acreage a property has, the bigger of a deal that water rights become. A farm cannot run without water and so fully understanding the water situation is really important. How will the property be irrigated? Does the property include enough water rights to adequately irrigate the land? Is there a functioning well? What are the limitations of that well?
2. What is the property’s zoning?
The are a handful of zoning designations that hobby farms might be categorized by in Boulder—Agricultural, Rural Residential, Forestry, and Estate Residential are the main ones that most hobby “farms” would fall under. Agricultural is perhaps the most advantageous one in a lot of cases as taxes are usually much lower and usage is most flexible. Understanding your property rights is integral to how you want to run your farm operations. The County has a a flow chart here that is a useful starting point in determining what kind of uses will be allowed.
3. Is it in a flood zone?
A lot of farm properties in Boulder are in the floodplain. For some people, buying a property in any sort of floodplain is out of the question. For others, it’s a more nuanced consideration. Are the buildings themselves in the floodplain? Has an elevation certificate been obtained to exempt the structure from mandatory flood insurance (if a mortgage is being obtained)? What flood designation does the property have? Has the property taken on flood waters in the past?
4. What is the condition of the septic system?
Most rural properties are on a septic system. Septic systems can be great when working properly but also a huge and and expensive nightmare if they need to be replaced or repaired in significant ways. How old is the septic system? The typical life expectancy of a septic tank is 25-30 years but many can keep on trucking for much longer than that if properly maintained. Knowing where the septic system is also extremely important as heavy trucks can damage it as can roots or excessive moisture. Replacement of a septic system can cost roughly $15-30k so it’s an important to know what kind of condition the septic is in.
RESOURCES
Boulder CSA Info
Maybe your own hobby farm isn’t in the cards just yet but you want to support other local farmers and food. Check this out to find a list of the many CSA opportunities in Boulder.
FEMA flood map
Search any property to find its FEMA flood designation. (Note: sometimes FEMA marks a property at the wrong spot on a map so it’s important to know exactly where your property is when looking at an aerial map. Confirm with local maps as well.)
Assessor’s Office Property Search
This is a useful tool for searching a variety of information on Boulder properties including zoning, local flood maps, deeds & sales, etc.
Gregory Alan Isakov
Ok—not a real estate resource at all but I adore this man’s music and everything he stands for. He owns a small farm in Boulder and I love seeing photos of it on Instagram.