Final answer:
The presence of government-regulated wetlands on a building lot can add value, lower property taxes, and is a material fact.
Step-by-step explanation:
The presence of government-regulated wetlands on a building lot has several effects. First, it adds to the value of the lot because wetlands can provide benefits such as flood control, habitat for wildlife, and water purification. Second, it may lower property taxes in some cases, as wetlands can limit the developable area of the lot.
Third, the presence of wetlands does not render the lot useless, but it may restrict the types of activities that can be done on the lot due to environmental regulations. Therefore, option d, the presence of gov-reg wetlands on a building lot, is considered a material fact.