Torch Lake Township, Michigan: septic system and well inspection at sale
Checked on November 9, 2026 against the official rule. Rule set by Torch Lake Township (Antrim County).
General information, not legal advice. This is our summary of the official rule as we read it. The ordinance or code and the health department decide: confirm with them before you list, sign or close.
The rule
Properties in the township served by a septic system. Real estate agents must give buyers the township's Time of Transfer notice.
| Question | What the official text says |
|---|---|
| What is required | Septic (STDS) evaluation by HDNW or its contractor (tank pumped first unless pumped within 5 years or hauler documents insufficient sludge); water supply tested (including lake-draw supplies); also a one-time baseline inspection for properties without a septic permit record or within 500 ft of water Source: torchlaketownship.org |
| Triggered by | transfer of title (deed, land contract, inheritance) or change of more than 50% ownership of an owning entity Source: torchlaketownship.org |
| Deadline | owner shall not transfer until STDS evaluated, HDNW finds compliance, and report given to transferee Source: torchlaketownship.org |
| Who arranges it | owner Source: torchlaketownship.org |
| How long a report is valid | Evaluation good for 5 years from completion (HDNW FAQ); ordinance exempts a system evaluated within 5 years Source: nwhealth.org |
| Exemptions |
Source: torchlaketownship.org |
| Fee | 2026 HDNW fee, Real Estate Transfer/Refinance (includes water analysis): $378 (Antrim, Charlevoix, Emmet) Source: nwhealth.org |
| If the system fails | Owner must request a repair permit within 10 business days of the report; the transfer may not take place until the failed system (or failed water supply) complies; failed system must be remedied within 6 months or a timeframe agreed with HDNW Source: torchlaketownship.org |
| Well part | HDNW evaluator samples the water for coliform bacteria and nitrate at a State-certified lab and does a visual well check including abandoned wells Source: torchlaketownship.org |
| Who may inspect | Health Department of Northwest Michigan (only HDNW staff or its contractors may evaluate). official page (nwhealth.org) Source: torchlaketownship.org |
| Official forms | nwhealth.org Source: nwhealth.org |
This is our summary of the official rule as we read it. The ordinance or code and the health department decide: confirm with them before you list, sign or close. Rule set by: Torch Lake Township (Antrim County).
Checked on November 9, 2026: read on the official site.
Private wells in Antrim County
Torch Lake Township lies in Antrim County; the figures are for the whole county. In 2015 about 13,960 of Antrim County’s 23,154 residents (60%) got their drinking water from a private well, by the USGS estimate. That is the 34th highest share of the 83 Michigan counties in the USGS table, and the 55th highest number of private-well users.
This rule covers the well as well as the septic system. USGS models about 1,413 private-well users in Antrim County with arsenic above 10 µg/L, EPA’s limit for public water (2010 population base; 95% range 894 to 2,154), the 42nd highest of 82 Michigan counties. It is a screening estimate, not a result for any one well.
Source: USGS county water use 2015 (Dieter et al., 2018); USGS domestic-well arsenic estimate (Ayotte, Medalie and Qi, 2017). Ranks count the Michigan counties in the USGS table (1 = highest).
Soils and septic systems here
USDA soil surveys rate 92% of Antrim County’s rated land “very limited” for a conventional septic drain field, 8% “somewhat limited” and 0% “not limited”, the 65th highest “very limited” share of 78 Michigan counties with survey data. The most common limits: fast seepage below the field (risk to groundwater) on 75%; poor filtering (coarse sand or gravel) on 65%; steep slopes on 42%.
Where soils are limited, inspections more often find drain fields that sit in seasonally wet soil, and replacement systems are often mounds or other engineered designs. A county-wide rating, not a test of one lot: a site evaluation decides. Source: USDA NRCS Soil Survey Geographic Database (SSURGO), via Soil Data Access, rating “ENG - Septic Tank Absorption Fields”, read November 15, 2026.
Nearest other sale-time rules
Buying or selling near a county line? These are the closest other local rules in our census to Torch Lake Township.
| Rule | State | Distance | Covers | Checked |
|---|---|---|---|---|
| Elk Rapids Township | Michigan | same county | Septic system and well | November 9, 2026 |
| Milton Township | Michigan | same county | Septic system and well | November 9, 2026 |
| Village of Elk Rapids | Michigan | same county | Septic system and well | November 9, 2026 |
| Grand Traverse County | Michigan | about 30 miles | Septic system and well | November 9, 2026 |
| Benzie and Leelanau counties | Michigan | about 38 miles | Septic system and well | November 9, 2026 |
Straight-line distance between county centres (the average of each county’s Census ZIP-area points). Townships, villages and health districts are placed at the centre of their county.