What Do They Check For During An Appraisal?

During a typical home appraisal, the appraiser is estimating market value by looking at the home’s condition, its key features, and how it compares to recent nearby sales.

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).
• Curb appeal and landscaping quality, though this is a secondary value factor.

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.

Health, safety, and compliance red flags

• 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.