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*The Angi rating for Property Appraisal companies in Phillips, ME is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Property Appraisal needs.

*The HomeAdvisor rating for Property Appraisal companies in Phillips, ME is a rating based on verified reviews from our community of homeowners who have used these pros to meet their Property Appraisal needs.

Last update on December 14, 2025

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Straight Line Appraisal, Inc.

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Straight Line Appraisal, Inc.

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Free onsite estimate

I have been appraising properties in Maine and New Hampshire since 1998. I am Certified and FHA approved as well. The primary counties I cover are: Cumberland, York, Oxford and Androscoggin but i do cover the entire state of Maine. I specialize in unique complex properties that are hard to access like island properties, mountain side, extremely rural and seasonal properties.

I have been appraising properties in Maine and New Hampshire since 1998. I am Certified and FHA approved as well. The primary counties I cover are: Cumberland, York, Oxford and Androscoggin but i do cover the entire state of Maine. I specialize in unique complex properties that are hard to access like island properties, mountain side, extremely rural and seasonal properties.

Property Appraiser questions, answered by experts

Foundation cracks won’t always affect your appraised value. All foundations crack due to normal settlement, so hairline cracks that aren’t leaking or uneven from side to side are unlikely to have an impact on your appraisal. Structural cracks, on the other hand, often lead to a reduced appraised value, especially if the underlying problem will cause the issue to worsen over time.

Both conventional loans and FHA loans are types of mortgages, but they have a few key differences. Conventional loans are backed by private lenders without any government backing, and FHA loans are guaranteed by a government agency. FHA loans are designed to be easier for borrowers with low credit scores or income to qualify for.

Home and property appraisals cost about $355 on average, ranging from $250 to $500, depending on the size of the home and property, age of the property, comparability to nearby homes, and location. While single-family homes typically cost between $300 and $400 to appraise, multi-family home appraisal can cost $500 to $1,000 due to the increased size and building complexity.

Land doesn’t depreciate in the same way that a house, vehicle, or other property does, but it can lose value based on various factors. Environmental changes, nearby development, zoning changes, and economic downturns can all cause land to lose value over time. Value is a comparative figure, so as other related factors change, so can land’s value.

As a seller, it might feel tempting to skip the appraisal, especially in a hot market that sees a lot of all-cash offers. While you can technically forgo it and hope for an all-cash offer, you’ll likely have a very tough time selling without an appraisal. 

In addition to protecting lenders from risk, appraisals also protect buyers’ investments. As such, it isn’t typically recommended for buyers to skip appraisals.

The Phillips, ME homeowners’ guide to property appraisals

From average costs to expert advice, get all the answers you need to get your job done.

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