Thanks for that info. I checked, and it covers road access, but does not cover the physical condition of the road or the fact that it is a private road.. we have easements and I guess since they saw that, it's considered that we do have "access" even if it is only possibly for 4x4 vehicles to go in and out.
I have thought that the responsibility would be on the appraisers, both put that it was a public road, but then they could have only looked at the green street signs and assumed that. I figured they could have and should have verified that it was indeed a public road. I am trying to think of different things that would get them out of being sued (how they would defend themselves), the fact that the street signs were green. It's strange that the green signs have been posted for the last 6 years and then the city just last month decides to change them to the blue signs that say "private road" on them.
If the lender knew that the road was private, we would have never gotten the loan and we really shouldn't have gotten the loan because the appraisals falsely represented the road. I contacted FHA and they told me how to file a complaint against the appraisers, but I have no idea if that would benefit me at all.
Where else should I look for proof in public records that would tell me that the road is private? I know we were given the due diligence period before the closing on the house, and I never thought to check on the road since everyone was saying it was public. I am still wondering about if the seller would be liable, since it was in writing that the "road will be paved by end of year".

