Luxury Homes Wine Country
Kathy Luebcke
707-280-5753707-280-5753

A Skilled Napa Appraiser Works in Everyone’s Favor

8-27-appraisalA skilled Napa appraiser provides a service that should help make the buying and selling of a residence a smooth transaction.

‘Should’ is the operative word.

Going back to ancient times, homes have always been ‘real’ when it comes to establishing the amount of money that they are worth. The home’s role as the center of family and community groupings guarantees that it will change hands carefully. When something is so important, its ownership does not come about haphazardly—doubly so because of its typically hefty price tag, arrived at after deliberation and scrutiny from buyer and seller alike.

Every home that is sold in Napa today should be a shining example of the efficiency (and fairness) of our free market. As a mechanism for determining the value of a good, the system is without equal, since buyer and seller have to agree on a price.

That’s where having a skilled Napa appraiser comes in. An appraiser (not to be confused with a home inspector, who reports on the soundness of a property) performs an important function in the transition from a Napa house for sale into a house that’s sold. The appraiser’s report provides an outsider’s unbiased opinion of a home’s current market value. Having a professional who knows how to analyze the property as it stacks up against comparables in the area—then determining its value in the lively Napa market of August 2015—is intended to provide peace of mind to all parties in the transaction.

That it doesn’t always work that way is because in addition to the buyer and seller, another party may be involved—the mortgage lender. The National Association of Realtors® puts it this way: as “the increasingly common scenario [that]…even when both sides agree on a price, the deal could fall apart thanks to an under-appraisal.”

The situation where buyer and seller agree on a fair price—but the bank’s appraiser determines a value that falls short—usually means that a sufficient loan won’t be offered. Bankers are required to protect the bank, and if they aren’t reassured that the equity in the loan’s underlying collateral supports the mortgage amount, okaying it would expose the bank to a loss.

Bankers would rather not.

But Napa homeowners on the verge of a sale can head off the problem. The solution is to address deferred maintenance and significant repairs or, per the NAR, “any condition that affects safety, soundness or structural integrity.” It’s a cinch that the best comparable sale figures reflect homes where those issues were addressed.

There are also some less-obvious actions Napa homeowners can take. For instance, some experts advise removing sensitive or religious pictures before an appraiser’s visit. The reason isn’t because of any prejudice from the appraiser. Rather, since rules prevent an appraiser from violating a homeowner’s privacy, some photographs of rooms might not be allowable—resulting in a report that lacks sufficient photographic documentation!

An accomplished Napa Realtor will advise you on how to best prepare for an appraiser’s visit, as well as make sure the appraiser has all the details needed to prepare the kind of comprehensive report that lets bankers sleep at night. This is part of my service—and another good reason to give me a call!


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  1. Photo of 30397 River Road, Cloverdale, CA 95425 (MLS # 21719522)
    9
    3 beds,  1 full bath
    1,800 sqft   lot 7.03 ac
    Walk Score® 0
    Listing provided by Charmayne Alcones, San Felipe Realty & Mortgage
    MLS 21719522
  2. Photo of 809 Rancho Way, Petaluma, CA 94954 (MLS # 21719519)
    30
    3 beds,  2 full baths
    1,456 sqft   lot 5,663 sqft
    Walk Score® 22
    Listing provided by Marshall Mello, Sterling California Properties
    MLS 21719519
  3. Photo of 3025 Foothill Boulevard, Calistoga, CA 94515 (MLS # 21717960)
    10
    0 beds,  0 baths
    lot 4.59 ac
    Walk Score® 15
    Listing provided by Inna Lehman, Lehman Properties
    MLS 21717960
  4. Photo of 10300 Hwy 20 Highway, Willits, CA 95490 (MLS # 21719542)
    2
    0 beds,  0 baths
    lot 30.83 ac
    Walk Score® 1
    Listing provided by Randy Weston, Summit Realty
    MLS 21719542
  5. Photo of 122 Poppy Court, Bodega Bay, CA 94923 (MLS # 21719488)
    33
    3 beds,  2 full baths
    1,513 sqft   lot 8,851 sqft
    Walk Score® 14
    Listing provided by Kristopher Lepore, Sonoma Coast Living
    MLS 21719488
  6. Photo of 809 Paula Lane, Petaluma, CA 94952 (MLS # 21719507)
    36
    5 beds,  3 full baths
    2,845 sqft   lot 7,118 sqft
    Walk Score® 16
    Listing provided by Steven Gavriloff, Westgate Realty
    MLS 21719507
  7. 3 beds,  2 full baths
    1,148 sqft   lot 5,475 sqft
    Walk Score® 30
    Listing provided by Leanne Ridley, NewVision Realty Group
    MLS 21719454
  8. Photo of 20924 Powder Horn Road, Hidden Valley Lake, CA 95467 (MLS # 21719536)
    24
    3 beds,  1 full, 2 half baths
    2,016 sqft   lot 14,375 sqft
    Walk Score® 2
    Listing provided by Erica Bergstrom, Morgan Lane Real Estate, Lake
    MLS 21719536
  9. Photo of 586 Peppertree Drive, Windsor, CA 95492 (MLS # 21719323)
    50
    4 beds,  2 full, 1 half baths
    2,469 sqft   lot 6,003 sqft
    Walk Score® 20
    Listing provided by Marshall Mello, Sterling California Properties
    MLS 21719323
  10. Photo of 0 Silverado Trail, St. Helena, CA 94574 (MLS # 21719531)
    29
    0 beds,  0 baths
    lot 3.04 ac
    Walk Score® 0
    Listing provided by Deborah Russell Broman, Coldwell Banker BofV ST Helena
    MLS 21719531
  11. Photo of 529 East Blithedale Avenue, Mill Valley, CA 94941 (MLS # 21719520)
    19
    3 beds,  2 full baths
    1,250 sqft   lot 5,502 sqft
    Walk Score® 73
    Listing provided by Chip McAllister, Paragon Real Estate Group
    MLS 21719520
  12. Photo of 1204 Colorado Drive, CA 95961 (MLS # 21716793)
    25
    5 beds,  3 full baths
    2,596 sqft  
    Walk Score® 2
    Listing provided by Rhonda Welch, Welton Realty
    MLS 21716793
  13. Photo of 114 Topsail Court, Vallejo, CA 94591 (MLS # 21719518)
    29
    3 beds,  2 full baths
    1,740 sqft   lot 8,485 sqft
    Walk Score® 9
    Listing provided by Scott Foster, Delta Realty Group Inc
    MLS 21719518
  14. Photo of 486 Banning Way, Vallejo, CA 94591 (MLS # 21719491)
    38
    4 beds,  1 full, 1 half baths
    1,988 sqft   lot 37,897 sqft
    Walk Score® 26
    Listing provided by Rosita Arriaga, Powerhouse Real Estate & Mgmt
    MLS 21719491
  15. Photo of 6757 Covey Road, Forestville, CA 95436 (MLS # 21719445)
    20
    2 beds,  1 full, 1 half baths
    1,938 sqft   lot 19,476 sqft
    Walk Score® 42
    Listing provided by Brenda Alarcon, Bradley Real Estate-Santa Rosa
    MLS 21719445
  16. Photo of 15621 Forest View Road, Manchester, CA 95459 (MLS # 21719511)
    28
    2 beds,  1 full bath
    lot 16,117 sqft
    Walk Score® 0
    Listing provided by Rosemary Campiformio, Kennedy & Associates
    MLS 21719511
  17. Photo of 512 Hastings Drive, Benicia, CA 94510 (MLS # 21717851)
    27
    3 beds,  3 full baths
    2,071 sqft   lot 9,583 sqft
    Walk Score® 14
    Listing provided by Linda Takacs, Kennon Realty
    MLS 21717851
  18. Photo of 2901 Old River Road, Talmage, CA 95481 (MLS # 21719169)
    24
    3 beds,  2 full baths
    1,300 sqft   lot 6,970 sqft
    Walk Score® 3
    Listing provided by Gary Nix, Realty World-Selzer Realty
    MLS 21719169
  19. Photo of 1042 Daroff Court, Vacaville, CA 95688 (MLS # 21719420)
    21
    3 beds,  2 full baths
    1,130 sqft   lot 3,280 sqft
    Walk Score® 26
    Listing provided by Kelly Thornhill, Stumbaugh Realty Advisors
    MLS 21719420
  20. Photo of 318 Earl Avenue, Roseville, CA 95678 (MLS # 21719498)
    13
    3 beds,  2 full baths
    1,182 sqft   lot 7,362 sqft
    Walk Score® 66
    Listing provided by Michaelene Major, Realty One Group Complete
    MLS 21719498
  21. Photo of 16221 Par Road, Cobb, CA 95426 (MLS # 21719506)
    16
    4 beds,  2 full baths
    lot 7,754 sqft
    Walk Score® 5
    Listing provided by Timothy Toye, Timothy Toye & Associates
    MLS 21719506
  22. Photo of 310 Murphy Avenue, Sebastopol, CA 95472 (MLS # 21719224)
    45
    2 beds,  2 full baths
    888 sqft   lot 9,052 sqft
    Walk Score® 57
    Listing provided by Ann Harris, Coldwell Banker Residential Brokerage
    MLS 21719224
  23. Photo of 1711 Lincoln Avenue, San Rafael, CA 94901 (MLS # 21714645)
    28
    3 beds,  2 full baths
    1,448 sqft   lot 5,201 sqft
    Walk Score® 17
    Listing provided by Rick Warner, Bradley Real Estate
    MLS 21714645
  24. Photo of 125 Claxton Court, Vallejo, CA 94589 (MLS # 21718284)
    11
    4 beds,  2 full baths
    1,232 sqft   lot 4,792 sqft
    Walk Score® 26
    Listing provided by Lisa Carter-Salaices, Century 21 Schutjer Realty, Inc
    MLS 21718284
  25. Photo of 5825 East Highway 20 Highway, Lucerne, CA 95458 (MLS # 21719480)
    9
    0 beds,  0 baths
    lot 33,977 sqft
    Walk Score® 22
    Listing provided by Denise Marino, RE/MAX Lake County Realty
    MLS 21719480
  26. Photo of 5298 Gramercy Circle, Fairfield, CA 94533 (MLS # 21719396)
    25
    3 beds,  3 full, 1 half baths
    2,195 sqft   lot 4,138 sqft
    Walk Score® 0
    Listing provided by Heath Rose, Real Estate Broker Services
    MLS 21719396
  27. Photo of 548 Monterey Avenue, Boyes Hot Springs, CA 95416 (MLS # 21719038)
    16
    2 beds,  2 full baths
    1,038 sqft   lot 4,748 sqft
    Walk Score® 75
    Listing provided by Tish Thames, Alain Pinel Realtors
    MLS 21719038
  28. Photo of 212 Foss Creek Circle, Healdsburg, CA 95448 (MLS # 21718971)
    17
    2 beds,  2 full baths
    960 sqft   lot 436 sqft
    Walk Score® 61
    Listing provided by Susan Montgomery, Pacific Union International
    MLS 21718971
  29. Photo of 450 Edgewood Drive, Rio Vista, CA 94571 (MLS # 21719468)
    14
    2 beds,  2 full baths
    1,418 sqft   lot 4,051 sqft
    Walk Score® 0
    Listing provided by Joseph McNeany, Bertolone Realty
    MLS 21719468
  30. Photo of 580 Lommel Road, Calistoga, CA 94515 (MLS # 21719501)
    16
    2 beds,  2 full, 2 half baths
    2,400 sqft   lot 160.00 ac
    Walk Score® 0
    Listing provided by Joshua Dempsey, Coldwell Banker BofV ST Helena
    MLS 21719501
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