How are refi appraisals affected by pub record errors w/# rooms,SqFt?Title Co comps show smaller homes,lesser values.Halt refi til corrected w/County?

Asked by, 94605 Sun Aug 12, 2012

purchased 15 months ago; Orig purchase disclosure docs included a Property Change Characteristic form from Assessor's Office, but was apparently not updated by the County and public record shows fewer rooms & sqft

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, ,
Mon Aug 13, 2012
The appraiser will use the MLS listings (which are much more comprehensive and usable) then the tax records.
The appraiser must measure the home for the 'footprint' of the property. That footprint will demonstrate the number of rooms, etc.
You may never get the county to correct. They are slow.
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Peter Mohyls…, Agent, Destin, FL
Sun Aug 12, 2012
The quick answer is that they should not be affected. Realistically, the appraiser should take the time to verify that all information on the county records is correct. The current owner has an interest in ensuring the informatin is also correct. Each tax office should have procedures to correct the data. One rub I had recently is that there were some modifications made to a house without any permitting. I am not sure how that will end out.
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Tim Moore, Agent, Kitty Hawk, NC
Sun Aug 12, 2012
Most appraisers use mls listings and not public documents for comps.
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