During a typical home appraisal, the appraiser estimates market value by looking at the home’s condition, key features and relevant sales. The inspection scope varies; it does not replace a specialist home, structural or systems inspection.
Big-picture focus
Overall condition and livability: signs of neglect or damage, safety issues, and whether the property appears structurally sound and habitable.How it compares to other recent sales (“comps”) in size, quality, location, and features.Exterior and site
Lot size and layout, topography, drainage, driveway, and parking/garage.Structure: foundation, siding, roof age/condition, porches, decks, stairs, railings, obvious structural issues (cracks, settling, leaning).Exterior maintenance and landscaping are considered in the property’s market context.Interior and mechanicals
Size and layout: total square footage, number of rooms/bedrooms/bathrooms, presence of basement/attic/ADU, and functional layout.Interior finishes and quality: flooring, countertops, cabinetry, fixtures, appliances, and overall level of finish (basic vs upgraded).Condition issues: water intrusion, stains, obvious mold, broken windows/doors, damaged walls/floors, significant wear.Systems and safety: visible electrical and plumbing issues, heating/cooling presence and apparent condition, ventilation, obvious code/safety hazards.Evidence of termites/pests, mold, abnormal settling, or structural instability.Unpermitted additions or conversions that impact square footage or use.Roof leaks or severe damage; environmental hazards if apparent.Location and market factors
Neighborhood characteristics: surrounding uses (residential vs commercial), overall area appeal, traffic/busy roads, proximity to nuisances or positives (parks, schools, etc.).Market data: recent comparable sales and listings, price trends, and how closely your home matches those properties in size, condition, and features.