Wait. So how did the house fall in the water and sink to the bottom? Wavy land? What am I looking at?
Pretty sure it’s being washed away in a flood
Tsunamis will often carry houses out to sea where they later sink.

also flash floods can pick up and carry houses downriver, which can be out to sea where they later sink.

'96 was a year

The buyer got a subprime adjustable rate mortgage and put very little money down. When the rates adjusted they ended up way under water.
whenever something happens you don’t understand, a wizard did it