You want to avoid having your sump pump burning out attempting to pump out all of the ground water that might not enter into your crawl space from the pit.

No evidence of ground water or bedrock, but the plume is bigger than first thought.

I'm an environmental lawyer and seen lots of these. the costs vary depending if the tank leaked and contaminated soil or groundwater. a small tank with just some surficial or shallow soil contamination from overfills can costs $10K-$20K. if there is extensive soil contamination, the costs can be double, if groundwater is impacted, you could face much higher costs. i would not accept an offer until you have opportunity to take samples to see how extensive contamination. 

if the garage will be doing servicing, better to have sewer. chemicals discharged to septics have been a source of groundwater contamination resulting in cleanups.

So, yes liability is a concern.Your municiplaities concern is going to be ground water contamination.

Each has their difficulties and differences, but generally the easiest area to grow is the High Plains (deep sandy loam soil with calcareous base, hot days/cool nights, flat topography, low humidity, good groundwater and rainfall).

A $10 check valve got stuck and the pump couldn’t pump the groundwater out so we got completely flooded.

You need to find the source of the mold: leaking water pipe/roof, ground water penetration, drain pipe leak, windows/siding aren't weather tight or flashed correctly and they let rain in, gutters and downspouts aren't working correctly, or tenants are screwing with you intentionally.

If they leak into the soil and groundwater the insurance will not cover the expensive cost to clean it up. surprisingly it's a fairly common issue with the number of aging tanks out there. 

Condensation isn't the issue, humidity is.Something is adding moisture- is it the foundation allowing in ground water?