The best way to find the true value of your home is to contact an appraiser. When an appraiser is trying to value a property that has very unique features, your zoning for instance, s/he will try to locate similar properties outside the area and adjust for locational differences. Alternatively the appraiser may use older comps and adjust for market trends.
Without further details about your property, it is hard to say. If the zoning of your home permits commercial uses, then the value of the home may be irrelevant. It may be more important to know the vale of the land. This is know as "highest and best use" and states that the highest possible value of a particular piece of land may have little to do with what is currently on the land. It is key to know what you can put on the property and then determine if the current improvements still add value.
I have been very general, because it is hard to give a clear answer without knowing the specifics of the zoning etc.
You can contact an appraiser at www.gribin.com and they can give you a solid value of your property.
Good Luck.... more