Luxury Homes Wine Country by Kathy Luebcke
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!


Sorted by
1 - 30 of 500+ | Previous Page 1 of 17 Next
  • List View
  • Map View
  • Grid View
  1. 3 beds,  2 full baths
    1,223 sqft   lot 5,227 sqft
    Walk Score® 39
    Listing provided by Yohannes Gebrekidan, Alliance Bay Realty
    MLS 21801403
  2. 2 beds,  1 full bath
    727 sqft   lot 3,250 sqft
    Walk Score® 68
    Listing provided by Pamela Jenkins, Century 21 M&M and Associates
    MLS 21801346
  3. Photo of 1025 Vintage Drive, Rio Vista, CA 94571 (MLS # 21801390)
    39
    2 beds,  2 full baths
    1,430 sqft   lot 5,850 sqft
    Walk Score® 0
    Listing provided by DONNA STARKS, RE/MAX GOLD
    MLS 21801390
  4. Photo of 1930 Rose Avenue, Santa Rosa, CA 95407 (MLS # 21801380)
    7
    2 beds,  1 full bath
    977 sqft   lot 6,534 sqft
    Walk Score® 69
    Listing provided by Kelly Kline, Premier Realty Associates
    MLS 21801380
  5. Photo of 54 Vine Street, Vacaville, CA 95688 (MLS # 21708687)
    27
    5 beds,  3 full, 1 half baths
    4,202 sqft   lot 1.29 ac
    Walk Score® 28
    Listing provided by Nicole Solari, The Solari Group
    MLS 21708687
  6. Photo of 473 Rosso Court, Vacaville, CA 95687 (MLS # 21801389)
    29
    3 beds,  2 full, 1 half baths
    1,229 sqft   lot 2,252 sqft
    Walk Score® 66
    Listing provided by Paulo Corro, Heritage Sotheby's International Realty
    MLS 21801389
  7. Photo of 114 Shelley Drive, Vallejo, CA 94591 (MLS # 21727343)
    35
    3 beds,  2 full baths
    1,932 sqft   lot 6,534 sqft
    Walk Score® 30
    Listing provided by Beth Brittenbach, Century 21 Schutjer Realty, Inc
    MLS 21727343
  8. Photo of 16927 Schiller Court, Sonoma, CA 95476 (MLS # 21800710)
    31
    3 beds,  2 full baths
    1,740 sqft   lot 6,098 sqft
    Walk Score® 31
    Listing provided by Phoebe Brookbank, Coldwell Banker B of V
    MLS 21800710
  9. 2 beds,  1 full bath
    847 sqft   lot 5,097 sqft
    Walk Score® 86
    Listing provided by Lani Cooke, Heritage Sotheby's International Realty
    MLS 21801388
  10. Photo of 1152 Church Street, St. Helena, CA 94574 (MLS # 21801378)
    44
    2 beds,  2 full baths
    1,597 sqft   lot 6,922 sqft
    Walk Score® 79
    Listing provided by Cyndi Gates, Gates Estates Sotheby's International Realty
    MLS 21801378
  11. Photo of 33721 So. Highway One Highway, Gualala, CA 95445 (MLS # 21801368)
    22
    2 beds,  2 full, 1 half baths
    2,073 sqft   lot 33,106 sqft
    Walk Score® 0
    Listing provided by Sharon Burningham, Coldwell Banker Coastal Properties
    MLS 21801368
  12. Photo of 942 Grant Street, Vallejo, CA 94590 (MLS # 21801238)
    19
    3 beds,  2 full baths
    1,477 sqft   lot 5,002.00 ac
    Walk Score® 39
    Listing provided by Frenchelle Franklin - Bowie, RE/MAX Gold Elite
    MLS 21801238
  13. Photo of 9216 Si Oliver Way, Windsor, CA 95492 (MLS # 21801375)
    7
    2 beds,  2 full baths
    1,200 sqft   lot 3,812 sqft
    Walk Score® 67
    Listing provided by Greg Levy, Levy & Associates Real Estate
    MLS 21801375
  14. Photo of 1327 Legend Circle, Vallejo, CA 94591 (MLS # 21801322)
    16
    4 beds,  3 full baths
    1,982 sqft   lot 6,046 sqft
    Walk Score® 32
    Listing provided by LaGuan Lea, Lea Pannell Realty
    MLS 21801322
  15. Photo of 389 Catalina Way, Vallejo, CA 94589 (MLS # 21801373)
    27
    3 beds,  2 full, 1 half baths
    1,449 sqft   lot 6,534 sqft
    Walk Score® 6
    Listing provided by Scott Brown, eXp Realty of California, Inc
    MLS 21801373
  16. Photo of 405 Woodman Creek Road, Laytonville, CA 95454 (MLS # 21801372)
    24
    3 beds,  1 full bath
    1,225 sqft   lot 7.45 ac
    Walk Score® 0
    Listing provided by Sharon Noah, Realty World-Selzer Realty
    MLS 21801372
  17. Photo of 1867 Carignan Way, Yountville, CA 94599 (MLS # 21801366)
    25
    3 beds,  2 full baths
    1,400 sqft  
    Walk Score® 47
    Listing provided by Cyndi Gates, Gates Estates Sotheby's International Realty
    MLS 21801366
  18. Photo of 1021 Sheridan Street, Vallejo, CA 94590 (MLS # 21728673)
    5
    3 beds,  1 full bath
    1,075 sqft   lot 5,663 sqft
    Walk Score® 42
    Listing provided by Clinton Dickson, I.C.E. Realty Services
    MLS 21728673
  19. Photo of 1724 Vermont Street, Fairfield, CA 94533 (MLS # 21800679)
    40
    3 beds,  2 full baths
    1,417 sqft   lot 4,792 sqft
    Walk Score® 67
    Listing provided by Julia Culpepper, Coldwell Banker Kappel Gateway Realty
    MLS 21800679
  20. Photo of 1865 Windsorville Way, Fairfield, CA 94533 (MLS # 21801369)
    19
    4 beds,  3 full baths
    2,866 sqft   lot 7,889 sqft
    Walk Score® 0
    Listing provided by Debbie Duncan, Coldwell Banker Kappel Gateway Realty
    MLS 21801369
  21. Photo of Fort Bragg, CA 95437 (MLS # 21801209)
    35
    3 beds,  3 full baths
    2,200 sqft   lot 1.30 ac
    Walk Score® 2
    Listing provided by Gale Beauchamp, Gale Beauchamp Realty
    MLS 21801209
  22. Photo of 2781 Warm Springs Road, Glen Ellen, CA 95442 (MLS # 21801365)
    39
    3 beds,  2 full baths
    1,696 sqft   lot 110.53 ac
    Walk Score® 0
    Listing provided by Laura deRutte, RE/MAX Marketplace
    MLS 21801365
  23. Photo of 322 Yellowstone Drive, Vacaville, CA 95687 (MLS # 21801355)
    12
    3 beds,  2 full baths
    1,367 sqft   lot 5,663 sqft
    Walk Score® 32
    Listing provided by Tezra Rogers, Pacific Bay Estates
    MLS 21801355
  24. Photo of 9233 Magnolia Way, Windsor, CA 95492 (MLS # 21801317)
    23
    Open House
    4 beds,  2 full, 1 half baths
    2,384 sqft   lot 6,573 sqft
    Walk Score® 16
    Listing provided by Marnie G. Teri V., NextHome Wine Country Premier
    MLS 21801317
  25. Photo of 240 Sugar Loaf Drive, Napa, CA 94558 (MLS # 21801358)
    27
    3 beds,  3 full baths
    1,562 sqft   lot 10,481 sqft
    Walk Score® 15
    Listing provided by Evan Gorder, Evan Gorder
    MLS 21801358
  26. Photo of 1426 Driftwood Circle, Fairfield, CA 94534 (MLS # 21801363)
    41
    Open House
    3 beds,  2 full, 1 half baths
    1,942 sqft   lot 5,079 sqft
    Walk Score® 12
    Listing provided by Robert Chung, Legacy Real Estate & Associates
    MLS 21801363
  27. Photo of 285 College View Drive, Rohnert Park, CA 94928 (MLS # 21727423)
    23
    2 beds,  1 full, 1 half baths
    985 sqft   lot 871 sqft
    Walk Score® 63
    Listing provided by Bret Menze, Keller Williams Realty
    MLS 21727423
  28. Open House
    4 beds,  3 full baths
    2,012 sqft   lot 3,254 sqft
    Walk Score® 34
    Listing provided by Michelle Perez, RE/MAX Gold of Fairfield
    MLS 21801359
  29. 4 beds,  3 full baths
    2,856 sqft   lot 10,838 sqft
    Walk Score® 23
    Listing provided by Maria Yee Johnson, Coldwell Banker Kappel Gateway Realty
    MLS 21801360
  30. Photo of 125 Mountain Meadow, Santa Rosa, CA 95404 (MLS # 21801169)
    22
    4 beds,  3 full baths
    3,610 sqft   lot 18.48 ac
    Walk Score® 0
    Listing provided by Mary Anne Veldkamp, Coldwell Banker Residential Brokerage
    MLS 21801169
Previous Page 1 of 17 Next

Listing information deemed reliable but not guaranteed. Copyright 2018 Bay Area Real Estate Information Services, Inc. All Right Reserved.