At our house the well is about that distance (about 90 feet) from the septic drain field. However, the field runs away from the house, and the well is on the opposite side of the house. It’s been working fine for us (and the previous family that lived here) for nearly 30 years.
Testing the water (which btw, you should do annually as a private well owner) and being within the guidelines for your city, and for the FHA loan are probably the biggest things to do. I’d say you could place your anxiety elsewhere instead..seems like you’ve found the water quality is OK. If you have any concerns after you’re living there you can always install further purification systems.
Here’s the things that ended up costing us, and/or things I wish I knew that we didn’t know to ask when we bought this house (with well water and septic system) about 5 years ago:
1. What is the AGE of the septic system? (Did you know septic systems are typically only good for about 22 years? Our drain field has failed but they consider that “normal” because it exceeded it’s 22 yr. life span.)
2. What new changes (requirements) have been added (city code / county requirements, etc.) since the septic system was initially installed at this house? (Good for you to know in case you ever have to repair or replace part of the Septic system. You will likely be required at that time to bring the system up to code. If your system is 10 years or older—find out NOW what new requirements you’ll be on the hook for..and what the potential cost might be!)
3. When you buy this house there are typically lengthy addendum on the maintenance, inspection and condition of the septic system, drain field and well. The previous owner is legally required to disclose these. If you haven’t already seen these ask your Buyer’s Agent (Realtor) for them. You should have been provided these even before you’re in contract to buy.
4. The city/township where the house is located is sure to have requirements for how often the septic gets pumped. (Some places say every 3 years or more frequently, etc.) You can pull ALL the records on this property and confirm the last several pump services—you can call the company that did the pumping. The service has to note whether the system is in good condition or failure or somewhere in between when they pump the septic tank. This is good stuff to look at in advance.
Last but not least – and this may sound obvious, but it sure didn’t occur to us until we went through some summer storms..
Find out what your back-up options are for the well in the event of a power outage. That is – I’d recommend looking into how easy would it be to hook up the electrical for the well to a generator. (Something to ask your home inspector. If he can’t answer it – it might be worth your while to have an electrician come take a look.) Remember that storms can bring down the power to an area…and while you’re waiting for the power company to restore power: no electrical power = no water being pumped from the well.
If you don’t have the extra money (or desire) for a gas or diesel powered generator I’d recommend running a big bath tub (or two) full of water when stormy weather is in the near forecast. If there’s a chance you’ll be without power for more than 8 hours – you’ll be grateful for the extra water which you can use (scooping out of the tub) to do everything from washing hands or to “flush” the toilets.