What is the difference between a desktop and a drive-by appraisal?

A desktop appraisal is completed entirely from data with no site visit. A drive-by appraisal adds an exterior observation of the property and street, which confirms condition, curb appeal, and site characteristics.

Is a drive-by appraisal accurate?

It is reliable within its stated scope. When interior condition matches the assumption disclosed in the report, values usually track a full appraisal closely. Unreported renovations or damage can move the number materially.

Will a lender accept a desktop appraisal?

Some lenders accept desktop or exterior-only reports for home equity and low loan-to-value scenarios. Confirm the required form with your lender before ordering.

Service

Desktop and Drive-By Appraisals

A desktop appraisal values a property from verified market data without a site visit; a drive-by appraisal adds an exterior observation. Both are faster and less expensive than a full appraisal, usually $250 to $450, and are used when interior access is not practical.

Limited-scope assignments answer the value question quickly when a full interior inspection is unnecessary, impossible, or premature. Scope and any extraordinary assumptions are disclosed plainly in the report.

Typical fee: $250–$450 depending on scope and property type
Turnaround: 1–2 business days
Report form: Form 2055 (exterior), Form 1004 Desktop, or restricted narrative

What is included in this appraisal

Exterior observation with street-level photographs (drive-by scope)
MLS, public record, permit, and prior-listing data reconciliation
Comparable sales analysis with documented adjustments
Explicit statement of scope limitations and extraordinary assumptions

Who needs it

Investors reviewing a portfolio or screening acquisitions
Homeowners exploring a home equity decision
Parties in early settlement discussions who need a working number
Anyone seeking a second opinion on an existing report

When a limited scope is appropriate

A desktop or drive-by appraisal works well when the interior condition is known, when the decision is preliminary, or when the property is tenant-occupied and access is difficult. It is not appropriate when the value must be defended in court or relied upon by a lender requiring a full interior report.

What you give up and what you keep

You keep an independent, credentialed opinion of value grounded in verified sales. You give up the certainty that comes from measuring the improvements and observing interior condition, which is why the report discloses the assumptions made about the unseen portions of the property.

Frequently asked questions

What is the difference between a desktop and a drive-by appraisal?: A desktop appraisal is completed entirely from data with no site visit. A drive-by appraisal adds an exterior observation of the property and street, which confirms condition, curb appeal, and site characteristics.
Is a drive-by appraisal accurate?: It is reliable within its stated scope. When interior condition matches the assumption disclosed in the report, values usually track a full appraisal closely. Unreported renovations or damage can move the number materially.
Will a lender accept a desktop appraisal?: Some lenders accept desktop or exterior-only reports for home equity and low loan-to-value scenarios. Confirm the required form with your lender before ordering.

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