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*The Angi rating for Property Appraisal companies in Hartsburg, MO 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 Hartsburg, MO 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 November 28, 2025

Find Property appraisers in Hartsburg

Key Choice Realty

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Key Choice Realty

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13 years of experience

Welcome to the Key Choice Realty Team! We work harder than anyone to ensure your plan to buy or sell real estate in the Jefferson City area is carried out smoothly and with expert precision. We especially enjoy bringing new people to beautiful, historic Jefferson City, Missouri and to the vibrant communities surrounding us. We believe the home buying and selling process should be fun, and that owning a home will be a blessing to you and your family. We're on the cutting edge of new technology that's revolutionizing the real estate business. We offer our state-of-the-art website, interactive home search tools, social media marketing, and your own mobile app! Please take advantage of our chat support team while you are here, or call us at 573-635-9909 day or evening to get your home buying and selling processes underway, today!!

Welcome to the Key Choice Realty Team! We work harder than anyone to ensure your plan to buy or sell real estate in the Jefferson City area is carried out smoothly and with expert precision. We especially enjoy bringing new people to beautiful, historic Jefferson City, Missouri and to the vibrant communities surrounding us. We believe the home buying and selling process should be fun, and that owning a home will be a blessing to you and your family. We're on the cutting edge of new technology that's revolutionizing the real estate business. We offer our state-of-the-art website, interactive home search tools, social media marketing, and your own mobile app! Please take advantage of our chat support team while you are here, or call us at 573-635-9909 day or evening to get your home buying and selling processes underway, today!!

Mid America Land Services

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Mid America Land Services

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Free onsite estimate

Jim has spent over 25 years as a real estate broker, loan broker, and real estate appraiser. Prior to this, he worked with a mortgage banking company as well as the Federal Land Bank. He served for three years as a member of the Missouri Real Estate Appraisers Commission.

Jim has spent over 25 years as a real estate broker, loan broker, and real estate appraiser. Prior to this, he worked with a mortgage banking company as well as the Federal Land Bank. He served for three years as a member of the Missouri Real Estate Appraisers Commission.

Property Appraiser questions, answered by experts

Costs depend on the property size, audit complexity, and whether additional testing (e.g., blower door) is included.

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.

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.

The cost to appraise a home depends on the type. Common types include:

  • Single-family homes: $300–$400

  • FHA or VA single-family homes: $400–$500

  • Condominium: $300–$500

  • Multi-family home: $500–$1,000

  • Apartment building: $1,500–$3,000

  • Commercial properties: $1,400–$10,000

  • Raw land: $1,000–$8,000

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 Hartsburg, MO 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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