What difference does it make what the house is worth? You bought it to live in, and you are enjoying the home, right.
If you dumped those superficial items into the house to make money, you will have to wait a while to collect the rewards. Real Estate is either Commercial Property or homes. You live in a home and you make money commercially.
I have heard hundreds of idiots say over and over, real estate is an investment.
How is borrowing money an investment ?
Leveraging a 10 to one loan against your down payment, is a speculation, in any man's world.
Do not get confused again.