Are you a Realtor? If not, you might ask your agent to find better comparables for the appraiser. Appraisers perform appraisals by gathering the sales of properties similar to yours (same style, square footage, schools, etc.). They then adjust the market value of your home by adding monetary value for items your home possesses that the other homes don't & vice versa. Occasionally, houses similar to yours vary. For example, houses standing by a creek might not be available. So, the appraiser will use non-creekside comps & adjust for the difference in value.
I often find busy appraisers cannot find better comps than what a Realtor can. Many times, I've saved a sale by showing the appraiser better comps. Your Realtor may be able to find creekside ones that the appraiser has overlooked.
Marcia Kelly, CRS
Keller Williams, Topeka Area
If you liken the process to comparing vehicles in a driveway across town. When they are described, it is easy to compare engine size, number of doors, paint color, make year or miles driven. Unfortunately, it becomes very subjective to compare condition of the paint or the wear the miles might have had on the car. What is a small scratch to one buyer might be a significant flaw to another.
So too is the process of creating market comparable when considering listing or buying a home. It is very unfair to simply compare square feet, bedrooms and bathrooms since location, demand and the overall uniqueness of a home weigh heavily on an overall price. The difference between a human real estate agent and a computer algorithm is market experience. Hopefully your source had enough experience to decide whether it was beneficial or not to look outside of the Creekside geographical area.
The issue becomes comparables, and what has sold.
Of course you could call out an Appraiser, and pay for it.
Or call the many fine agents responding to you from your area.