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How I Came to Own Two Homes in St. John, US Virgin Island - Page Two
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How I Came to Own Two Homes in St. John, US Virgin Island 
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It is where all the legal papers are that record who owned what and when. This is where title search people do their research. I had never done this before but there are employees there to assist you. Many people that do this for a living were also very helpful. One file lead to another. I found it very stimulating to find the names of those that had come and gone before me. I love reading history and this history had personal meaning to me.  I even found out where grave sites were. I found info on the land that long time neighbors did not know. I found out they called the area Williams’s retreat which had special meaning to me as I wanted to build a spiritual retreat center and my last name was Williamson. I also found out that my easement was legal and even survey by the government.
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"> Easements are very important. Some people end up buying ‘land locked’ land that they end up in court over for decades. The land sometimes is owned by many relatives. Often they can not agree on what should be the fate of the land. This is why clear title is so important. This is another reason often it does not work out to buy land from locals. It is often less expensive but can be tied up in courts for years.

After seeing that this land was clear for myself I still had to buy title insurance. You never know what might creep up thru the cracks. Also the previous owner of the land required this for owner financing as a bank would also require. This was the only insurance required. My lawyer made sure the land taxes were up to date at the seller’s expense. There is a 2% tax stamp that I agreed to pay. Finally we were ready to transfer the deed. My lawyer handled all the paperwork for that also. Pretty painless all and all.

They say when you close a door another one opens. We decided to put our house up for sale and it sold in 6 months. Now we were ready to do the first phase of house plan permits. Once submitted, house plans can take up to 6 months to get approved. Anyone can draw the plans but they need to know the local building codes. It is in par with Miami Florida. Then a license Virgin Island Architect has to sign off on the plans.

This is easy enough to find. There are a few that work for the Dept. of Natural Resources; the gov’t office that approves plans.

I believe it is a little undercover as it is not really legal to work for a government agency that approves plans and also be the one submitting them. But if you ask around the names are there to be found. Their fee varies depending on the size of the house. Sometimes it is best to do everything with a license architect from the start.

You end up with ideas that are helpful that you may not think about. They do this everyday in the islands and their experience is worth the money. It’s best not to expect to get to start building for at least 6 months after you submit plans. And after 4 months it is good to go in and check on them to see how it is coming. It’s good to let them get to know your face or hire someone to do that for you. 

We went forward with house plans for two houses and a shack. It was going to be the first phase of the retreat. We would live in the houses till we continued with the rest of the retreat plans. While preparing all this we lived in my dads 12x12 cottage. We thought it would only be 4 months with 4 people living in this small space. Once again island time turned the 4 months into a year and a half. 

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We rebuilt the easement road, as it was just a grass path. This was a very big task. The easement ran between our neighbors land. These were locals that inherited the land from their father. They did not have much knowledge of the land or of the deals their father had made with the man I bought the property from.

They did not want anything to do with me. I was an outsider whom they believed should not be bothering them. I had much anger and resistance from them. I had known the son previously and had always gotten along with him until he found out I was going to be his neighbor.

After many conversation with him and his sisters they realized I had there interest in mind along with mine. They also realized legally I had all the proper papers.

It was a big help that I was always respectful when speaking with them. I knew local customs for speaking. Always say good afternoon or good day, speak slowly and listen to what they have to say. It also helped that I knew the history of the land. It made them feel I cared about the land. In the end they agreed to the bulldozers for the road as long as I stayed away from a grave site they believed was where their aunt was buried. Also the son needed to be told when the trucks would be there so he could watch over it all. Fair enough. 

This whole process made me realize that having all the proper papers didn’t always matter. If they wanted to fight me in court it would have been years before I could have built. It would have been much better had the easement road already been built before I bought the property. 

We started to build the smallest building on the plans. This was due to the fact we paid off the land with the money from selling the house. This was not a wise decision. We had never owed such a large amount and did not like it hanging over our heads so we paid it off.

We also wanted to remove any chance the land could be taken away if we found ourselves unable to make a few payments in the future as it was a 20 year loan.

But what it also did was use up all our money that would of helped us build more buildings. This in turn would have helped us pay off the property from the collecting of rent. Instead we paid off all family loans and all other loans with the money from the house.

Now all we could build was the small office space we had drawn away from everything else. It was a 12 by 12 foot building. Clearly not enough room for us to live. I spoke with the building inspector and got verbal permission to build it a little bigger.

They liked me. It had to be because they did not do this often. They said when I could, I had to resubmit the plans as a revision which I did six months later. I ended up with 3 times the building that was on the plans and now that building is on the market for $595,000.

A year later when we finished that house (office) and moved into it, we started to build one of the real houses on the plans. There were two houses and an office on the plan. This second home was started by my father and us. Three quarters into it he decided he wanted to move to the states so we decided to take it over. We got a lone on a half acre of the land. A land loan. We had subdivided one parcel of land into three separate pieces.

You are allowed to do this once a year. If you choose to subdivide more than 3 parcels per year it has to go thru senate hearings. I believe this is where the payoffs start. The 6 acres was actually 3 separate parcel numbers. Three separate tax bills. The one parcel with two acres is the one we separated. We have houses on two of the newly separated pieces. The other piece is just land. This is the piece we have tied up in a land loan. This gave us the money to almost buy out my father and finish the house. Now that house is on the market for $945,000. 

This is the short version of the story. The long version is two boring to tell. It entails endless moment of patience. Endless moments of waiting for revised house plans, people to show up and do what they told us they would do weeks earlier; waiting for weather, insects, people and product.

All the while getting to watch the ocean and mountains, smell the trade winds, hike the land and find all the little treasures we found. But most of all we got to dream. Dream of all the times ahead and laugh about all the times gone by.

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