Reading Your Appraisal
An appraisal is a document you can question. Here we teach you how to read it, ask questions, and dispute it when something is off.
The parts of an appraisal
A formal appraisal has a property data section, a comparable sales analysis, a condition section, and a final value. Learn what to look for in each.
How comps are chosen
The appraiser selects nearby, similar sales and makes adjustments for differences in size, condition, date, and location. Understanding those adjustments helps you judge whether the result is reasonable.
Questions you can ask
If a comp seems too far, too old, or too different, you can ask the appraiser why it was chosen and how it was adjusted. A good appraiser can explain their reasoning.
When to dispute
If the comps do not represent your property, if the data has errors, or if recent permitted improvements were missed, you can request a review or a second opinion.
Common errors
Wrong square footage, miscounted bathrooms, misjudged condition, and comps pulled from a different neighborhood are the most frequent errors that move a value.
How to build your case
Gather your permits, photos of recent improvements, and comparable sales you know. Present the facts calmly and in writing.
The difference between our report and an appraisal
| AI Value Report | Formal appraisal | |
|---|---|---|
| Prepared by | Artificial intelligence | Licensed appraiser |
| Accepted for lending | No | Yes |
| Physical inspection | No | Yes |
| Typical cost | $24.99 | $400–$700+ |
| Time | Minutes | Days to weeks |
This is an automated estimate generated from public records and recent sales data. It is not an appraisal, was not prepared by a licensed appraiser, and may not be used for lending, legal, tax, or insurance purposes.