HVCC (Home Valuation Code of Conduct) causes dysfunction… again

Yep, it’s happened again.  An appraiser working out of his area (only slightly) has confounded me with an appraisal.  This on a bank owned property I have listed.  The seller had it appraised on September 25 2009 (what, 4.5 months ago?) and it came it at $47,000.  I thought that was a bit high, and since the seller wanted to be aggressive, we took it on the market at $34,000.

New appraisal?  $28,000.

The appraiser discounted listings that sold 3 months ago by 5%, indicating he believes the market to be declining at an annual rate of around 20%.  That may be in his market area, but in the TAAR MLS, the 4 month average sale price trend is 3.07% to the positive.

Post to Twitter