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setback requirements from the water and bluffs. In other locations, existing nonconforming structures <br />will become conforming due to a reduction in the setback requirements from the water and the <br />elimination of minimum lot sizes in some districts. The proposed rules do not regulate lot size and width <br />or land use so they will not create any nonconforming lots or uses of land. <br />Nonconformities rarely affect the sale of property <br />There are no known instances where lenders have refused to finance a mortgage for a property that is a <br />nonconforming lot of record, or has a legal nonconforming (or "grandfathered ") structure or <br />nonconforming characteristic of use. Lenders may have some concerns with illegal nonconformities (in <br />violation of the local ordinance) or with properties that are nonconforming uses of land. State law <br />allows cities to require that the property come into conformance with the current zoning district if a <br />property is abandoned for more than 12 months or it is destroyed by more than 50% and a building <br />permit is not obtained within 180 days. <br />Many local planning and zoning staff in the MRCCA noted that in most cases when a lender contacts <br />them about a nonconformity, they simply want verification of whether it is legal and can be rebuilt if <br />destroyed. <br />If my property has nonconforming characteristics, such as a cleared Shore Impact Zone, how will that <br />affect me? <br />Under state law and under the draft MRCCA rules, your site may remain as it is; however, any future <br />clearing would have to comply with the local ordinance. A single nonconforming feature of a property <br />does not mean that the entire property is "nonconforming." <br />What about nonconformities in a floodplain area? <br />Legal nonconformities in floodplain areas have more limited rights because federal rules for flood <br />insurance are more stringent than state law. Local governments must meet federal standards affecting <br />nonconforming uses and structures in floodplain areas in order to maintain community eligibility for the <br />National Flood Insurance Program (NFIP). <br />Resources for Further Information <br />The following websites offer good information on nonconformities: <br />• City of St. Paul Park: <br />http: // www. stpaulpark .govoffice.com /index.asp ?Type =B BASIC &SEC= %7B503BB069 -068F- <br />4177- B7A6- 699E042F75C6% 7D& DE=% 7BE89702FA- 792D- 44BA- 87ED- OD176E1FB107 %7D <br />• City of Bloomington: <br />http: // www .ci.bloomington.mn.us /cityhall/ dept / commdev / planning /reps /zoneproiect /nonconf <br />aq.htm <br />• League of Minnesota Cities Resource Library: <br />http: / /www.lmc.org /page /1 /resource- library.jsp (type in keyword "nonconformities ") <br />