Improving Appraisals Through Communication

At Central California Appraisals, we understand that a high-quality appraisal depends not only on market data and technical skills but also on effective communication between all parties involved. Whether you are a real estate agent, lender, property owner, or investor, contributing clear and factual information can help ensure a more accurate property valuation. This blog draws from guidance provided by the National Association of REALTORS® while offering a localized perspective on how to support the appraisal process throughout Central California and the Central Coast.

Why Communication Matters in the Appraisal Process

An appraisal is an independent, objective opinion of market value, but it is only as strong as the information available to the appraiser. Agents and other stakeholders can help improve accuracy by providing documentation that may not be readily accessible through public records or the MLS.

In regions like San Luis Obispo, Bakersfield, Paso Robles, and beyond, many properties have unique attributes or recent improvements that can impact value. If those details are not communicated effectively, the appraisal may not reflect the true characteristics of the property.

What to Provide and When

Before the Appraisal: Be Proactive

The most effective time to communicate is before or during the appraiser’s site visit. Sharing factual, supportable information at this stage helps the appraiser prepare a more informed analysis.

Here are examples of useful items to provide:

• Comparable sales (including non-MLS comps)
• MLS listing sheets or CMA reports
• Renovation or upgrade details with dates and documentation
• Energy efficiency features such as solar panel systems
• HOA documents, rent rolls, or property surveys
• Site plans or floor plans
• Zoning information or unique use permits

This is particularly important in areas like the Central Coast, where properties may include features such as ocean views, guest houses, or vineyards that are not obvious without detailed insight.

After the Appraisal: Reconsideration Requests

If an appraisal seems inaccurate, there is a process for submitting a Reconsideration of Value (ROV) through the lender. This should be done only when there are material concerns, such as:

• Key property features were omitted or incorrectly described
• Certain comparables were ommitted or important sales were excluded
• Errors in adjustments, square footage, or condition ratings

The ROV request must include documentation and a clear explanation of the issue. The appraiser is then responsible for reviewing the new information and addressing it within the scope of the original assignment. If the deficiencies are not resolved and the issue is significant, the lender may order a second appraisal.

What to Avoid: Protecting the Integrity of the Process

According to the National Association of REALTORS®, certain actions are strictly prohibited. Real estate professionals must not:

• Offer compensation or incentives in exchange for a specific value
• Attempt to influence or pressure the appraiser
• Interfere with the appraiser’s independent analysis

At Central California Appraisals, we maintain full compliance with the Uniform Standards of Professional Appraisal Practice (USPAP). Our appraisers are trained to recognize and avoid undue influence. Clear boundaries are essential to maintain ethical standards and regulatory compliance.

Local Insight: Communication is Especially Valuable in Our Region

The Central California and Central Coast markets present a wide variety of property types, from high-end estates in San Luis Obispo to agricultural parcels in Kern County. In many cases, public records do not tell the full story. For example:

• A warehouse in Bakersfield may have recent tenant improvements that affect income potential.
• A vineyard estate in Paso Robles may have unique zoning or irrigation rights.
• A coastal home in Pismo Beach may include permitted additions or energy-efficient systems.

In each case, timely and accurate communication from the property owner or agent helps the appraiser provide a more complete and accurate valuation.

Final Thoughts: A Collaborative Approach to Accurate Valuations

Real estate transactions are complex. An accurate appraisal requires not only technical skills and market data but also cooperation between appraisers and other professionals. By offering relevant, factual, and well-documented information, agents and property owners can help ensure the appraisal reflects true market conditions.

If you have questions about how to prepare for an appraisal or how to work effectively with our team, we invite you to contact us directly.