Uniform Residential Appraisal Report

SUMMARY

Opinion of Market Value $
Effective Date of Appraisal
Assignment Reason
Reasonable Exposure Time
Borrower Name
Current Owner of Public Record
Contract Price $
Listing Status
Property Description
Construction Method
Attachment Type
Structure Design
YesNo
Planned Unit Development (PUD)
Condominium
Cooperative
Condop
Subject Site Owned in Common ?
Units Excluding ADUs
Accessory Dwelling Units
Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?
Property Restriction
Encroachment
Zoning Compliance
Market Value Condition
Overall Quality
Overall Condition
Property Valuation Method
Appraiser Name
Original Lender
Subject Property
Appraisal Update
Effective Date
Has the market value of the subject property decreased since the effective date of the original appraisal?
Appraisal Update Commentary
Commentary
Appraisal Update Exhibits
Apparent Defects, Damages, Deficiencies Requiring Action ?

The items listed below represent the As Is condition as of the effective date of this report

Feature Location Description Affects Soundness
or Structural Integrity		 Recommended Action ? Estimated Cost to
Repair
Site
$
Dwelling Exterior - [Structure Identifier]
$
Unit Interior - [Structure Identifier] - [Unit Identifier]
$
Outbuilding - [Outbuilding Type]
$
Unit Interior - [Outbuilding Type] - [Unit Identifier]
$
Vehicle Storage
$
Subject Property Amenities
$
Total Cost $0
As Is Overall Condition Rating
Total Estimated Cost of Items Recommended for Repair
Itemized List of Repairs
Feature Location Description Affects Soundness
or Structural Integrity		 Repair Completed Inspection Date Completion Comment
New Observed Items for Repair
Feature Location Description Affects Soundness
or Structural Integrity		 Recommended Action Inspection Date
Completion Status
Is construction complete?
Was construction completed in a manner consistent with the original plans and specifications?
Feature Location Comparison to Original Plans/Specs Comment
Completion Report Commentary
Commentary
Completion Report Exhibits

Assignment Information

Assignment Reason
Property Valuation Method
Borrower Name
Was a Property Data Report used in lieu of an Inspection?
Seller Name
Current Owner of Public Record
Appraiser Fee $
AMC Fee $
Government Agency
Investor Requested Special Identification
Contact Information
[Role] / [Role]
Client / Lender
Company Name
Credentials
Company Address
ID
State
Expires
Appraiser
Name
Designation
Company Name
Company Address
Credentials
Level
ID
State
Expires
ASC Identifier
VA Appraiser ID
FHA Appraiser ID
Employment Type
Scope of Inspection by Appraiser
Exterior
Interior
Inspection Date
Supervisory Appraiser
Name
Designation
Company Name
Company Address
Credentials
Level
ID
State
Expires
ASC Identifier
VA Appraiser ID
FHA Appraiser ID
Employment Type
Scope of Inspection by Supervisory Appraiser
Exterior
Interior
Inspection Date
Significant Real Property Appraisal Assistance
Name
Credentials
Level
ID
State
Expires
Description
Comment
Assignment Information and Scope of Work Commentary
Commentary
Assignment Information Exhibits

Subject Property

Physical Address
Attachment Type
Alternate Physical Address
Units Excluding ADUs
County
Accessory Dwelling Units
Neighborhood Name
Dwellings Containing Units
Special Tax Assessments
Planned Unit Development (PUD)
Condominium
Cooperative
Condop
Property on Native American Lands
Subject Site Owned in Common
Homeowner Responsible for all Exterior Maintenance of Dwelling(s)
New Construction
Ownership Rights ?
Property Rights Appraised
All Rights Included in Appraisal
Community Land Trust
Rights Not Included
Native American Lands
Mineral Rights Leased
Ground Rent Annual Amount $
Renewable
Term
Expires
Legal Description
Legal Description
Subject Property Commentary
Commentary
Subject Property Exhibits
Exhibit IDs

Site

Overview
The Site section provides information about parcel characteristics, access, zoning, site influences, utilities, and restrictions. Use the tables below to record details and any required commentary.
Total Site SizeDimensions
Zoning
ComplianceClassification Code
Classification Code Description
Impact
Rebuildable to Current Density/Use
Description of Zoning Compliance
Property Use
Primarily ResidentialResidential Use %
Non-Residential Use
Non-Residential Modification
Description of Non-Residential Use/Modification
Number of ParcelsContiguous
Elements Dividing Parcels
Assessor Parcel Number (APN)APN Description ?Parcel Size
Property Access
Primary AccessStreet Type & Surface
Known Maintenance Agreement
Typical for Market
Description of Property Access
Site Influence
InfluenceProximityDetailImpactComment
Site Influence Commentary
View and Impact to Value/Marketability
ViewRange of ViewImpact
View Commentary
Site Features and Impact to Value/Marketability
FeatureDetailImpactComment
Non-Residential Property Use
Hazard Zone
Property Restriction
Easement
Encroachment
Site Characteristic
Site Features Commentary
Utilities and Impact to Value/Marketability
Broadband Internet AvailableDwelling/Improvement within Utility Easement
PublicPrivateDetail Private Utility
ImpactComment
Electricity
Gas
Sanitary Sewer
Water
Site Influence (continued)
Apparent Defects, Damages, Deficiencies (Site)
The items listed below represent the As-is condition as of the effective date of this report
Site Valuation Methodology ? ?
$
# Address County Data Source Assessor Parcel Number (APN) Site Size Sale Date Price
Reconciliation of Site Value
Site Commentary
Site Exhibits
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Front
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Left
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Right
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Rear

Disaster Mitigation ?

Mitigation Feature
Disaster Mitigation Commentary
Disaster Mitigation Exhibits
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Exhibits display only when an image is provided.

Energy Efficient and Green Features

Known Renewable Energy Components
Known Building Certifications
Known Efficiency Ratings
Energy Efficient and Green Features Impact to Value/Marketability
Impact to Value/Marketability
Energy Efficient and Green Features Commentary
Energy Efficient and Green Features Exhibits

Sketch ?

Sketch or Floor Plan Not Available
Measurement Standard
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Sketch / Floor Plan preview
Sketch Commentary

Dwelling Exterior – [Structure Identifier] ?

Subject Property Units in Structure
Structure Design
Floors in Building
Dwelling Style
Front Door Elevation
Townhouse End Unit
Townhouse Back to Back
Units Above or Below
Townhouse Location
Year Built
Construction Method
Converted Area Exists
Converted Area and Similarity to Rest of Living Area
Factory Built Certification Examined
Structure Volume
Window Surface Area
Attic
Remaining Economic Life
Effective Age
Dwelling Front (no caption prints)
Remaining Economic Life and Effective Age Commentary
Quality and Condition
Exterior Quality Rating Exterior Condition Rating
The table below supports the Exterior Quality and Condition ratings and reflects the market value condition of this report
Feature Detail Quality Comment Condition Status Condition Comment
Exterior Walls and Trim
Foundation
Roof
Windows
Noncontinuous Finished Area ?
Display subsection?
The table below depicts any finished area that is attached to the dwelling but separate and not directly accessible from any unit
FinishTotal AreaRoom Summary
Mechanical System Details
SystemDetail
YesNo
Heating
Core Heating System Below Grade
Cooling
Other Mechanical Systems
Apparent Defects, Damages, Deficiencies (Dwelling Exterior – [Structure Identifier])
Items to report?
The items listed below represent the As Is condition as of the effective date of this report
FeatureLocationDescription Affects Soundness or Structural IntegrityRecommended Action
Dwelling Exterior Commentary
Dwelling Exterior Exhibits
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Manufactured Home

Manufacturer Name
Year Installed
Moved Since Original Installation
Attached to Permanent Foundation
Towing Hitch, Wheels, Axles Removed
Manufactured Home Width
Skirting
Have there been modifications, attachments, or additions that rely on or alter structure?
Modification, Attachment, or Addition
HUD Data Plate
HUD Data Plate Attached
Date of Manufacture
Serial Number
HUD Wind Zone
HUD Thermal Zone
HUD Roof Load Zone
HUD Certification Label
Label Present for All Sections
HUD Certification Number
Manufactured Home Certification Program
CertificationIdentifier
Invoice Information
Purchased from Retailer
Retailer Name
Retailer’s Invoice Reviewed
Manufacturer’s Invoice Reviewed
Invoice(s) Appear Reasonable
Manufactured Home Commentary
Manufactured Home Exhibits
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Outbuilding Type
Area Breakdown
Levels in Unit
Finished Above Grade
Floor Number
Finished Above Grade (Nonstandard)
Corner Unit
Unfinished Above Grade
Occupancy
Finished Below Grade
Utilities Separately Metered
Finished Below Grade (Nonstandard)
Utilities Operating
Unfinished Below Grade
Total Bedrooms
Area Data Source
Total Bathrooms - Full
Below Grade Finish Compared to Above
Total Bathrooms - Half
Non-Residential Use in Unit
Live/Work Space
Allowable Work Space
ADU
Legally Rentable
Data Source
Typical for Market
Ingress/Egress
Separate Postal Address
Level and Room Detail
Level in UnitGrade Level DetailFinishAreaRoom Summary
Quality and Condition
Interior Quality Rating
Interior Condition Rating
Kitchen and Bathroom Details
RoomUpdate StatusTime FrameQuality CommentCondition StatusCondition Comment
Overall Update Status for Bathrooms
Interior Features
FeatureDetailQuality CommentCondition StatusCondition Comment
Overall Update Status for Flooring
Accessibility Features for Individuals with Disabilities
FeatureComment
Apparent Defects, Damages, Deficiencies (Unit Interior)
FeatureLocationDescriptionAffects Soundness or Structural IntegrityRecommended Action

Unit Interior (continued)

Unit Interior Commentary
Unit Interior Exhibits
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Unit Interior (continued)

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Functional Obsolescence

Functional Issues
Functional Obsolescence Commentary
Functional Obsolescence Exhibits
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Outbuilding – [Outbuilding Type]

Considered Real Property
Structure Volume
Gross Building Area
Gross Building Area for the outbuilding includes area for vehicle storage, ADU(s), and any other uses
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Detail
The table below depicts the area of the outbuilding, excluding vehicle storage and any ADU(s)
YesNo
Heating
Cooling
Finish Total Area Room Summary
Utilities Finished
Unfinished
Mechanical System Details
System Detail Other Mechanical Systems
Heating
Cooling
Apparent Defects, Damages, Deficiencies ([Outbuilding Type])
The items listed below represent the As Is condition as of the effective date of this report
Feature Location Description Affects Soundness or
Structural Integrity		 Recommended
Action
Outbuilding Commentary
Outbuilding Exhibits
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Vehicle Storage

Storage Number of Parking Spaces Detail
The table below depicts the area of the outbuilding, excluding vehicle storage and any ADU(s)
Apparent Defects, Damages, Deficiencies (Vehicle Storage)
Feature Location Description Affects Soundness or
Structural Integrity		 Recommended
Action
Vehicle Storage Commentary
Vehicle Storage Exhibits
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Subject Property Amenities

Amenity Category Subject Property Amenity Material Detail
Apparent Defects, Damages, Deficiencies (Subject Property Amenities)
Feature Location Description Affects Soundness or
Structural Integrity		 Recommended
Action
Subject Property Amenities Commentary
Subject Property Amenities Exhibits
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Overall Quality and Condition

Exterior Quality – [Structure Identifier] Exterior Condition – [Structure Identifier]
Interior Quality – [Unit Identifier] Interior Condition – [Unit Identifier]
Reconciliation of Overall Quality and Condition

Highest and Best Use

Is the present use of the subject property …
YesNo
Is the highest and best use of the subject property as improved (or as proposed per plans and specifications) the present use?
Highest and Best Use Commentary

Market

Market Area Boundary
Search Criteria Description
Search Result Metrics
Active Listings Sales in Past Months
Median Days on Market Lowest Sale Price $
Lowest List Price $ Median Sale Price $
Median List Price $ Highest Sale Price $
Highest List Price $ Distressed Market Competition
Pending Sales Graph
Price Trend Source
Price Trend Analysis Commentary
Housing Trends
Demand/Supply Marketing Time
Market Commentary
Market Exhibits
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Market (continued)

Price Trend
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Year Built of Sales
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Project Information

Project Name
Project Information Data Source
Total Units
Units Sold
Units for Sale
Units Rented
Reason Units Rented is Estimated
Mandatory Fees (HOA, PUD, or Co-op) —
Monthly Amount
Common Amenities/Services Included
Utilities Included
Observed Deficiencies
Description of Deficiencies
Project Completeness Are units, common areas, and amenities in project complete?
Are units, common areas, and amenities in project complete?
Subject Property Building Complete
Converted in Past 3 Years
Ground Rent
Annual Amount
Expires
Description of Ground Rent
Cooperative Information
Shares Issued and Outstanding
Proprietary Lease Expires
Shares Attributable to Subject Property
Project Blanket Financing Yes No
Pro Rata Share
Project Factors and Impact to Value/Marketability
Project Factor Detail Impact Comment
Developer/Sponsor in Control
Incomplete Project
Converted in Past 3 Years
Single Entity Ownership of Multiple Units
Single Entity Ownership of Multiple Shares
Commercial Space
Known Legal Actions
Unit Transfer Fees
Unit Special Assessments
Unit Tax Abatements or Exemptions
Project Factors Commentary
Project Information Commentary
Project Information Exhibits

Subject Listing Information

Current and/or relevant listings of the subject property (minimum 1 year look back)
Current or Relevant Listings
Data Source
Subject Listing Information Exhibits
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Sales Contract

YesNo
Is there a sales contract?
Was sales contract information analyzed?
Does this appear to be an arm’s length transaction?
Non-Arm’s Length Commentary
Contract Price $
Contract Date
Transfer Terms
Personal Property Conveyed
Financial Sales Concessions Financial assistance paid by or on behalf of the seller as an inducement to purchase the subject property
Known Sales Concessions
Total Sales Concessions
Typical for Market
Sales Contract Exhibits
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Prior Sale and Transfer History

Subject Transfer History
Prior sales and/or transfers of the subject property (minimum 3 year look back)
Prior Sales or Transfers
Data Source
Comparable Transfer History
Prior sales and/or transfers of the comparable properties from the ‘Sales Comparison Approach’ section (minimum 1 year look back)
# Transfer Terms Date Amount Data Source
Analysis of Prior Sale and Transfer History of Comparable Sales
Prior Sale and Transfer History Exhibits
SF Appraisal