First that by "spray foam insulation" you are referring to the application of closed cell, medium density foam and, second, by "normal" insulation you are referring to the more traditional fibreglass or mineral wool batt insulation.The first difference is in R/RSi factor of the insulation.

It's not unlike a property with a title issue - if you don't clearly own the land and/or it's mineral rights, you shouldn't expect to take anything from it.I'd say your example about weaving a basket isn't necessarily a fair comparison, because the product that you're creating wouldn't have been generated from the dirt beneath your feet (i.e. - your basket isn't growing out of the ground - which is HOA property), whereas the produce of the garden would be.

Many people don't realize that they do not own the mineral rights under their land, and that a company may come in and start digging up their land at some point.

Well water typically has more minerals than city water and will corrode your pipes and leave buildups faster.

You can also use mineral wool (sound-proofing insulation) to surround the pipes if you do end up opening the wall. 

Things that affect value here:  crop type, water-well or district, type of irrigation, utilities, tons per acre, water rights or shares, dwellings or homes, soil class (1, 2, 3, etc), mineral rights. 

@James Mcsweeney Like Jimmy mentioned, this is most likely due to a disturbance to sediments, particles or minerals in your water.

I look at mineral rights, "bug out" plots, ranching, and none of it panned out.

Purchase price: $20,800 Cash invested: $60,000 Sale price: $112,500 900 sq ft bungalow. 2 bedroom, 1 bath, 1 detached garage; built 1922; Built for the coal miners family by the Logan's Ferry Heights coal mining company.

Looking into a property where the seller wants to retain the mineral rights to the property.