Budget, proximity to the city, do you want to access downtown via boat (will determine which side of 153 dam you will be on), do you want deep water (some areas fluctuate 6 ft), dock/dockable, etc.  

They called the subdivision “West End Town”, construction involved a dam across Alazan Creek, resulting in an artesian well-supplied lake that first measured 80 acres.

The couple of claims on primary were roof replacement ( wind/hail damage) in 2017 and ice dam- water leak/damage in Feb 2021. 

I have tried my best to find a real estate agent in Charlottesville Realtor Toby Beavers but most of them are unable to satisfy him.

One thing that we wanted to understand more is the below listed section from the following document:https://www.chicago.gov/content/dam/city/depts/bacp/Small%20Business%20Center/Vacation_Rental_Fact_Sheet-05-31-17.pdfThe part that talks about the Commissioner’s Adjustment, is this adjustment needed for each property that we own and plan to convert to a short term rental, and is it needed even after a house falls under the correct zoning laws and the property is one of the three circumstances listed?

If you don't have the same issue during warm months when it rains, then it's the ice-damming that is the problem you should be trying to solve.Source: I had this same issue here in Chicago winters and resolved it by installing heat trace cables.

A good comparison would be a flood from a dam breaking instead of a tsunami. 

New construction price cuts will ease the pressure some, but not enough to break the dam I don't think?

Hi Preston, Welcome, I’m in Pittsburgh, but come across deals in Beaver county as well, would you be interested in investing in that area? 

Make sure gutters drain properly so you don't end up with blocks of ice or ice dams crawling up the roof.