I don't really want the stump ground down as then I would be left with a hole full of chips which I know will settle after a year or two. Places that I have seen that leave the stump in the ground, but cut off 4-8 unches below the surface so grass will grow don't seem to settle, for whatever reason. This is in a moist area so I don't anticipate problems growing grass, the actual stump is only about 18 - 20 inches in diameter, I have cut it at least 4 inches below ground level so moisture shold be available without any problems.
Anyone paid for stump grinding separate from having the tree cut down??