Do ponds add to your home’s value?

• <div><p>In short, yes, a pond can add to your home’s value. However, whether it adds value will depend on the condition and aesthetic of your pond. Having this feature already built into a yard’s home can be appealing to homebuyers who value its aesthetic and would prefer not to build it themselves. But if it is not kept in good condition, it could turn buyers away.</p></div>

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Q: How much can I borrow for a home addition?

• <div><p>While there&rsquo;s technically no limit to the dollar amount you can borrow for a home addition, the standard limit is around 80% of the value the addition is expected to add to your home. That means you could feasibly borrow up to $80,000 if an appraiser determines that the addition or bump out will add $100,000 in value to your property. You might also be limited by your debt-to-income ratio or credit score.</p></div>

Q: How long does the appraisal process usually take?

• <div><p>Around 1-2 weeks, including inspection and reporting time for an official evaluation.</p></div>

Q: Do ponds add to your home’s value?

• <div><p>In short, yes, a pond can add to your home&rsquo;s value. However, whether it adds value will depend on the condition and aesthetic of your pond. Having this feature already built into a yard&rsquo;s home can be appealing to homebuyers who value its aesthetic and would prefer not to build it themselves. But if it is not kept in good condition, it could turn buyers away.</p></div>

Q: How do appraisers adjust for a finished basement?

• <div><p>While a finished basement adds value to your home, it is assigned a different value than space on the main floors. An appraiser will assess the square footage of a finished basement at about 50% to 60% of the value of the square footage for the rest of your home. Appraisal value for a finished basement depends on your location&rsquo;s real estate market and the specifics of the basement and how it was finished. </p></div>

Q: Who pays for a home appraisal?

• <div><p>The purpose of the home appraisal determines which party pays for it. You&rsquo;re generally responsible for the cost if you need to know the current value of your home to refinance your mortgage, though in some instances the lender will pay for it. The buyer pays for the appraisal when they are applying for their mortgage.</p></div>

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Verified Reviews for Antique And Jewelry Appraisal pros in Effingham, IL

*The Angi rating for Antique And Jewelry Appraisal companies in Effingham, IL is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Antique And Jewelry Appraisal needs.

*The HomeAdvisor rating for Antique And Jewelry Appraisal companies in Effingham, IL is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Antique And Jewelry Appraisal needs.

Last update on November 10, 2025

Reviewed in November 2025
Ervin was so polite, courteous and organized! He made the job look simple and completed efficiently and quickly!
1600 Contracting LLC
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Reviewed in April 2025
Rodney responded quickly, charged a reasonable price and got the job done in a timely manner. I’d use them again.
Kings Roofing & Remodeling
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Reviewed in May 2024
Showed up on time and stayed in budget.
Podergois Masonry LLC
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Reviewed in April 2024
Hired valleys asphalt to pave my driveway. They did an outstanding job, they went above and beyond. Very respectful and mannerly. I would recommend them to anybody
Vallie's Asphalt
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Reviewed in December 2023
I own rental properties and Patrick has painted three rooms, painted two doors, replaced trim, replaced a light, replaced a light switch, replaced flooring in one room, replaced joist under the floor, removed three trees, removed vines under siding and then replaced siding back. With Patrickâ s...
Patrick Romero
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Reviewed in October 2023
Great communication and customer service! Iâ m biased, but I raised him well and he did an amazing job on my new office building (total remodel).
Avery Kuhns
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Reviewed in May 2023
It went fast and smooth. My house looks amazingly clean and all the work was done so quickly. Thanks again guys!
Jones Landscaping and Handyman Service
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Reviewed in August 2022
Matthew does an excellent job and definitely cares about customer satisfaction. Our garage floor looks great
Catalyst Coating and Care
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Reviewed in August 2022
Nick Andersen was wonderful to work with. He went above and beyond and did a wonderful job painting our 3 grain bins. We would highly recommend him and know you will be very pleased with his work and his customer service.
Apex Carpentry & Construction
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Reviewed in May 2021
The work was ok and the tree looks great but for what I paid I could have done it myself! No ladders required and one cherry tree trimmed and the cost was very pricey! And they do not have any payment method other than cash or check so I had to leave to go get cash because I was out of checks!...
Productive Tree and Mulch, LLC
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Antiques and Jewelry Appraisals questions, answered by experts

While there’s technically no limit to the dollar amount you can borrow for a home addition, the standard limit is around 80% of the value the addition is expected to add to your home. That means you could feasibly borrow up to $80,000 if an appraiser determines that the addition or bump out will add $100,000 in value to your property. You might also be limited by your debt-to-income ratio or credit score.

Around 1-2 weeks, including inspection and reporting time for an official evaluation.

In short, yes, a pond can add to your home’s value. However, whether it adds value will depend on the condition and aesthetic of your pond. Having this feature already built into a yard’s home can be appealing to homebuyers who value its aesthetic and would prefer not to build it themselves. But if it is not kept in good condition, it could turn buyers away.

While a finished basement adds value to your home, it is assigned a different value than space on the main floors. An appraiser will assess the square footage of a finished basement at about 50% to 60% of the value of the square footage for the rest of your home. Appraisal value for a finished basement depends on your location’s real estate market and the specifics of the basement and how it was finished.

The purpose of the home appraisal determines which party pays for it. You’re generally responsible for the cost if you need to know the current value of your home to refinance your mortgage, though in some instances the lender will pay for it. The buyer pays for the appraisal when they are applying for their mortgage.

The Effingham, IL homeowners’ guide to antique and jewelry appraisals

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