If you are getting a mortgage, the appraisal will be the final word on the value of the home. In doing the valuation, it is incumbent upon the appraiser to analyze recent sale data (typically within the last 6 months), as well as review current active listings. The SOLD data, however, is what is used to determine the opinion of value and that is what an underwriter will be considering as well.
In today's market it is usually easy for an appraiser to review the photos on line, just like buyers do, to see condition, etc. Whether or not there are built-ins probably will have little overall affect on value. Built-ins are buyer specific...you either love them or you don't. It is like buying someone's furniture; if it is your taste - GREAT! If not, you will walk away. Sometimes built-ins can actually hurt the value if the house is on the market too many days because of this feature.
Your buyer agent should be able to help you with details like this when developing the offer that you want to make. Be sure to analyze data of similar size, style, age and location as well as condition. Sale prices are lower in many neighborhoods this year vs. last, that is why the data must be as recent as possible.
If you need additional help, please let me know. You can also go to http://www.carolcei.com
and click on the BUYERS tab. You will find a lot of good articles there. Good luck with everything.
Carol Cei, Realtor, ePRO
Five Star Professional
ReMax Action Realty