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Nearly half the single-family homes in Tampa Bay's mid-range and upper market have in-ground swimming pools, and for veterans using a VA loan, that raises a natural question: does the pool create problems at appraisal? The short answer is no, as long as the pool is functional and safe. But the details matter. Non-functional equipment, cracked plaster, green water, missing safety barriers, and damaged screen enclosures can all generate VA appraisal conditions that delay or complicate a closing. Knowing what the VA's Minimum Property Requirements actually say about pools, and how experienced VA buyers handle pool issues in their offers, keeps transactions on track.