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Top-Rated Property appraisers in Harrogate - Updated Nov 2026

Collins Appraisals
New to Angi
Appraisal - Real Estate

Serving Harrogate, TN and surrounding areas

Approved

In business since 2006

Here at Collins Appraisals, we are a locally owned and operated company that values honesty and integrity and treats your home as if it were our own. We offer a variety of quality home improvement services. You will find us to be competitively priced with close attention to the details of each and every project that we are involved with. We look forward to building lasting relationships and guaranteeing your satisfaction! \n \nF.H.A. Approved

Property Appraiser FAQs, 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.

Depending on the size of the home, the appraisal itself can take several hours. After the appraiser’s visit is complete, it can take between a few days and a few weeks to get the report back. This timeline is largely dependent on the appraiser’s workload, research requirements, efficiency, and other factors.

Xeriscaping can absolutely increase your home value, but the return on investment (ROI) depends on where you live and how prevalent xeriscaping is in your area. In drought-prone climates, xeriscaping can boost your curb appeal and make your home more appealing to buyers due to the reduced maintenance and watering costs. However, in areas where xeriscaping isn’t the norm, some buyers may be willing to pay less for a xeriscaped property if they don’t like the appearance.

An FHA appraisal is valid for 180 days from the effective date of the report. In some cases, you can have the appraisal recertified if you make your request before the original expires so that you still may obtain an FHA loan. If approved, your appraisal update is valid for one year.

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

The Harrogate, TN homeowners’ guide to property appraisals

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