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Get essential info about this lawyer - biography, background, education etc. Practice areas include: Residential Foreclosure, Creditors Rights, Civil Litigation
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A Difference Between Appraisal, Assessment, Home Inspection
By Suzie Shannon
Every one should have a home inspection before purchasing any property, including
new construction. You may think that's rediculous but there are too many cases
that prove otherwise. It is only a couple of hundred dollars and can save you
thousands. Most importantly it makes you feel confident about the house.
Remember the horror stories you saw on the local and national news about all
the new construction problems? One is leaks which leads to the dreaded word
mold, a whole problem in itself. The stories go on and on. Recently a buider
filled a dump and built houses on it. Needless to say, when things settle underground,
they do above it. The houses were collapsing and the EPA (Environmental Protection
Agency) found barrels of some kind of petroleum substance.
he most important thing is that you carefully select your home inspector and
be there at the time he/she makes the examinination. You may not know what
is supposed to happen but they should go over the property with a fine tooth
comb. Every wall, shingle, window, receptacle.....is looked at and tested.
The good ones go in the crawl space, attic and on the roof. When you get the
report don't be alarmed. Some things are to be expected, such as outdated electrical
systems in older houses and minor settlement.
An assessment is done by a city or county inspector to determine tax bases.
Many times they are licensed or certified appraisers but they don't have to
be and often are not. They don't do an appraisal. They go by public records,
quite often wrong data. Some do have pictures and some have sketches. I put
a woodstove in my house a few years ago. I went down and paid for a permit
and to this day it is not on record. This is also true with additions which
of course add square footage as well as value. I read the other night that
approximately thirty percent of property is over assessed, therefore overly
taxed.
If you have good reason to think your property is in that category, you should
contact your assessor and ask for an appeal. But, understand appreciation has
seen an all time high in recent years and may very well be the reason for your
estimated value.
See my other article on understanding an appraisal for more detail. An appraiser
does a very detailed extensive research on the area, neighborhood and specific
property. Upon arrival pictures are taken. Notes are taken about curbs, gutters,
sidewalks, street, landscaping...Then the house, deck, garage, porch and so
on are measured, the square footage is calculated. Then every single item is
noted inside the property. The appraiser goes to at least three similar properties
(comparables) that were recently sold, ideally in the same neighborhood. Pictures
and notes are taken. After returning to the office a sketch is drawn, pictures
are produced and the work begins assembling all data and comparisons before
arriving at an estimate of value.
Suzie is a licensed broker and certified residential appraiser with twenty
years of experience in the industry. She majored in real estate and architecture
and prefers to do sketches by hand rather than using cad programs. Other professionals
in the field have contributed as well including agents, brokers, appraisers
and educators. http://www.freewebs.com/realestatenews
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