Second all of the above--it's a serious thing for both your family and the health of the lake. Like MM, we passed on a 4 bedroom house with a 2 bedroom septic. An undersized or unmaintained system is just a time bomb waiting to go off on a weekend with lots of friends/family up to visit.
Plus, septic rules in general are likely to get tougher over time, so even if you do skate by without incident, that introduces financial exposure when someday you try to sell.
Lamprey Septic has been great with the house we did end up buying.
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