Does a pre-listing appraisal have to be disclosed to buyers?

It is the seller's report, and sharing it is optional. Many sellers use it selectively during negotiation. Known material defects, however, must always be disclosed under Florida law.

Will the buyer's lender accept my pre-listing appraisal?

No. Lenders must order their own appraisal through their own channel. A pre-listing report still helps by surfacing issues early and supporting a rebuttal if the lender's value comes in low.

What is my home worth?

Automated estimates rely on public records and can miss condition, view, renovations, and condo line differences. An appraisal establishes value from verified sales and an actual inspection of your property.

Service

Pre-Listing Appraisals for Sellers

A pre-listing appraisal is an independent valuation ordered before a home goes on the market. It gives the seller a defensible asking price, evidence to support negotiation, and early warning of issues that could derail the buyer's lender appraisal weeks later.

Agent price opinions are useful, but they are not independent. An appraisal ordered before listing separates the pricing decision from the listing pitch.

Typical fee: $450–$900
Turnaround: 2–3 business days
Report form: URAR (Form 1004) or Condominium (Form 1073)

What is included in this appraisal

Full interior inspection, sketch, and photographs
Verified comparable sales and current competing inventory analysis
Notes on condition items likely to be flagged by a lender's appraiser
A value conclusion you can share with prospective buyers

Who needs it

Sellers of unusual, waterfront, or heavily renovated homes with thin comparables
Estates and trusts selling property that must be defended to beneficiaries
For-sale-by-owner sellers with no agent price guidance
Sellers who have already had a deal fall apart on a low appraisal

When should I order a pre-listing appraisal?

Order it two to four weeks before the home goes live, after any repairs or cosmetic work are complete but before photography and pricing conversations. That timing lets the value inform the list price rather than justify it after the fact.

What increases appraised value

Permitted square footage, updated kitchens and baths, impact windows, a newer roof, functional layouts, and genuine water frontage or dockage. Cosmetic staging, unpermitted additions, and personal property generally do not move an appraised value.

Frequently asked questions

Does a pre-listing appraisal have to be disclosed to buyers?: It is the seller's report, and sharing it is optional. Many sellers use it selectively during negotiation. Known material defects, however, must always be disclosed under Florida law.
Will the buyer's lender accept my pre-listing appraisal?: No. Lenders must order their own appraisal through their own channel. A pre-listing report still helps by surfacing issues early and supporting a rebuttal if the lender's value comes in low.
What is my home worth?: Automated estimates rely on public records and can miss condition, view, renovations, and condo line differences. An appraisal establishes value from verified sales and an actual inspection of your property.

Pre-Listing Appraisals for Sellers

What is included in this appraisal

Who needs it

When should I order a pre-listing appraisal?

What increases appraised value

Frequently asked questions

Related services

Full Residential Appraisal

Condominium Appraisal

Property Tax Appeal Appraisal

Where this service is available

Order a pre-listing appraisal