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The performance was a total bust.
There was no science or logic to the appraisal. A good rule of thumb for appraisal is to find the average square foot cost for buildings for the area. And use this as a basis for the appraisal. This was not done.
The value of the real estate was not value equitably against the comparable properties. There was no balance for usable versus unusable property.
This property is a lakefront property. Three of comparable properties are lakefront properties. However, my property has a building at the Lakeshore with electricity, lighting for evening and nighttime activities, security for items stored at the Lakeshore, and convenience of proximity of fishing tackles or other water sports equipment.
My property has an in-ground semi-automatic irrigation system. None of the comparable properties have any form of irrigation.
Four of the five comparable properties did not have garages. The other comparable property with the garage had a smaller garage yet but garage was rated higher than mine.
Basing an estimate of my property value on a cost per square foot for the house, the value of usable lot size, and estimated cost to build a comparable garage, and an estimated value of the outbuildings and irrigation; the Hurley estimate was about 20% low.
This is devastating to a person seeking a refinancing.
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