(Why wouldn't you survey the property BEFORE making the loan? After the money's out the door, it's a little late to discover title defects, liens, and other unfavorable info. Sounds like the right question might be "is it an unsafe lending practice to delay a survey until after the loan closes.")
Back to the posted question. Although this charge is a FC as described, did you known about it at the time disclosures were required? More importantly, was it required by contract? If yes, you have a problem. If, on the other hand, it's a "subsequent occurance" you have no obligation to guess what might happen after the loan closes, it's not a violation, and you have no duty to redisclose.