Check the appraisal and see, if the appraisal on hand is for duplex or in other words two homes on a lot.
Also, I would recommend contacting your local realtor, to see, if the appraisal on hand is correctly done. To ensure that the appraisal pertains to the same market area with recent comparable sales.
I will be happy to check into the CMA of the property of yur interest. I will be able to run a CMA if you provide the address.
I may reffer you as well to professional appraisal, if you want a full legal appraisal and you are ready to pay for his service.
Please contact me at:
or cell: 626-347-6281