This may be an old posting, but it bears discussion. Basically there are 2 ways to look at property value: CMA and appraisal. (Of course there are others, such as AVMs which lack personal knowledge by the professionals.) A CMA (Comparative Market Analysis) is generally prepared by an agent/broker while an appraisal is prepared by a licensed and certified appraiser. The only value a lender will consider is an appraisal which is why an appraisal is ordered when you are financing your home purchase. A CMA is used by agents to look at comparable properties that are for sale or are sold to help a buyer determine if their offer is in range, or if a listing price meets the local norms. Best to discuss further in person with your agent. Thank you!