Suppose that a person A bought a house in california three years ago. The last owner had lived in that house from the time it was built in 1964 until four years ago. When the owner passed on, the bank took ownership of the house (under a reverse mortgage) and hired an agent to sell it. The house was bought with an FHA loan.
After three years of living in the house, A discovered that, even though city sewer runs on the street, the house has a septic tank instead of being connected to the city sewer. The cost of connecting the house to the city sewer system is $25K. Emptying the septic tank will run about $3k to $4k since they have to dig up to reach the hatch.
All public websites such as Zillow and Redfin say that the house is connected to city sewer. A received no disclosure from the real estate agent that the house has a septic system. Perhaps the agent didn't know either. A paid for inspection when A bought the house. Inspection didn't mention anything about a septic tank.
In terms of real estate law, does A have a valid claim against the bank, the agent, the inspector, or anyone else for failure to disclose the use of a septic system instead of the listed sewer connection?