More details - only top 12" of any wall exposed, one existing block wall other three will be PW foundation(which won't have condensation), all walls will be R-20+ top half R-15 to slab. Heat will be in slab hydronic(first for 4", second thin slab), R-15 between heated floor and basement. 45 degree ground temp seems a little cool my well water is mid 50's but yes high humidity is prominent here in summer. It will be just a basement space, shop storage, utility, extreme weather protection, etc(no finished living space). Will have a HPDWH to help remove some humidity. I plan a very frugal consumptive life style in retirement so if water heater draws too much much heat from basement in winter I will supplement with some simple solar heat for extra BTU's in winter.
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