$149,000  Meridian, Idaho
This is a great home on a quiet street. Lots of room and no rear neighbors. Private decking off upstairs master bedroom, extra guest room off the garage not counted in SQ. footage. Fully fenced yard. Great school district. Easy to view and ready to go. Not a short sale of REO? Easy Escrow. Sellers can adjust to buyers timeline.
Call Tom Barbey 208-794-6323

$125,000  Boise, Idaho
Step Saver single Level Patio Home. Quiet cul-de-sac living with no "outside" upkeep. HOA fees pay for your mowing, fertilizing, and snow removal. Also includes irrigation and Private Road upkeep. Nice open floor plan with split bedroom plan. Marrs is the builder and he did a fine job on insulating this sweet home from noise and harsh weather.
Call Valerie Gray 208-272-0227
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Eagle
Eagle Idaho is a desireable, upscale community nestled along the base of the Boise foothills. Eagle offers high-end, quality-crafted homes, fine dining, boutique shopping and a friendly community. The Boise river meanders through Eagle and you'll often find folks walking the greenbelt or enjoying a peaceful picnic along the banks. Eagle offers convenient access to the entire Treasure Valley and provides direct routes to northern ski areas, foothills hiking, river rafting and other fun Idaho outdoor activities. If you prefer newer construction homes in an upscale market then Eagle is the place for you. Pictured above is Rembrandt’s Coffee House in Eagle’s quaint downtown area.
The North End
North Boise is one of the most sought after communities in the Boise area. Affectionately referred to as The North End, here you will find classic architecture and character in the turn of the century and early 1900's era homes. Many homes in The North End have been fully restored to their original condition with a complementary touch of modern conveniences. If you enjoy tree-lined streets, patio-dining at corner restaurants and quiet and peaceful neighborhoods then be certain to see a few Boise homes in this area during your visit. Pictured above is Boise’s historic Harrison Boulevard which runs from Boise’s thriving downtown through the heart of The North End.

$145,900  Meridian, Idaho
Great Curb appeal on this centrally located Meridian Home! Built in 2003, but shows like it was recently completed. Great layout with Office/Den, large open Kitchen and Living room downstairs. Has a main level bedroom/Guest Room with full bathroom. Upstairs are 3 bedrooms and Bonus Room (located over garage... you won't hear the kids having too much fun!). Home is under Lease through 2/28/13 with great tenant whom would like to stay longer. Call Listing Agent for further details of Lease.
Call Paul Wallin 208-407-8127

$119,500  Nampa, Idaho
One building permit on file. Build your dream home here with plenty of room for everyone or use the lot division for a small development. The choice and opportunity is yours! The property boasts over 10 acres of land with unobstructed views in all directions. You can see from the Owyhees to Bogus. It is located South of Nampa with an easy commute to city amenities. Just a short drive to beautiful Lake Lowell, Idaho Wine Country and nearby Givens Hot Springs. Take the scenic drive today!
Call Crista Martin 208-577-7157

$289,000  Meridian, Idaho
This move-in ready home has it all! Kitchen has a walk-in butler's pantry, double ovens & is open to the dining/family rooms. Relax by the cozy fireplace & built-in entertainment center or on the covered back patio w/ garden view & room for a hot tub. Beautiful custom cabinetry & flooring throughout. Owner's suite has inlayed carpet w/ beautiful Imbuia accents. UBR & secondary bedrooms have built-in desks. Hobby & laundry have floor to ceiling storage & workspaces. No shortage of storage or function here!
Call Crista Martin 208-577-7157

$109,900  Eagle, Idaho
Lot 4 - 5 acre view lots in coveted Starview Estates a premiere Eagle Foothills location. Each originally priced from $599,000 to $799,000. All improvements have been made. Power, building permits, surveys, well and septic cost estimates, etc. available.
Call Sherry Tarrant 208-369-0815

$299,000  Eagle, Idaho
Island Woods Subdivision is a beautiful community with walking paths & lots of water. This home is a dream. Very light and bright!! Beautiful hardwood floors, quality finishing touches. Big kitchen with large island, great room, eating nook, formal dining room, and a living room downstairs. Guest bedroom / Office Downstairs.
Call Paul Wallin 208-407-8127

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May 1, 2012

As REALTORS, we do not “appraise” property values. We work in terms of market value. However, the appraisal value typically plays a part in the sale of Real Estate. Knowing when and why to have an appraisal; what to do during an appraisal; and debunking some of the myths will help prepare you for what is in store.

There are several reasons to have an appraisal. One is a pre-sale appraisal. The appraiser will establish value and can offer suggestions to a seller regarding updates or remodeling in an effort to get the seller the most out of their sale.

While estate planning and liquidation may use appraisal information as a guideline; divorce, property tax challenges and removal of Private Mortgage Insurance (PMI) will require an appraisal. Tax challenges are tough, but mostly because homeowners are not armed with valid information. On the adverse, once your principal pay down on your mortgage dips below 80% of the market value of your home, your PMI insurance should be removed from your loan.

The most common reason for an appraisal is during the sale of the property. If you are selling and a potential buyer is financing the purchase, there will be an appraisal. Sometimes even cash buyers will want an appraisal. The purpose of the appraisal is to ensure the seller is not “giving away the farm” and the buyer is not over-paying for the property. The appraiser finds the balance between the two parties. With that being said, there are some things a seller can do to help facilitate a smooth appraisal.

A) Provide: a copy of the most recent tax bill, HOA dues and set up amounts, any maintenance agreements for shared roads or equipment and a “brag” list. The list would include any recent major improvements/upgrades, the date done, approximate cost and a copy of the permit. This is not to be confused with cosmetic changes. Think more energy efficient appliances, windows, roof etc. or additions. You should also let the appraiser know if there are any easements or encroachments associated with the property.

B) An appraiser will need access to the entire property, including the attic and crawlspace. Make sure the entrances are not blocked. Also, there should be no locked doors or rooms. Period. Allow full access to the property.

C) Fix it. Repair any leaking faucets, squeaky doors, loose or cracked trim or windows and replace any thing that is missing, including light bulbs and windows screens. If a buyer is FHA or VA financed, you will also need to be sure that handrails on all stairs are installed and secure, there is no presence of Lead Based Paint, smoke detectors are correctly installed on all levels, trees and shrubs are not encroaching on the foundation or roof line and there are no “trip hazards” on the property.

I’ve often heard consumers say “The assessed value is the same as appraised value or I know what my home is worth, so we don’t need an appraisal.” Most areas try to parallel the assessed value vs. appraised value, but there are occasions when the Assessor is unaware of any of the interior improvements. Additionally, unless you are an appraiser, you likely equate what you paid for the property or upgraded in the property to what it is worth. This is not the case. Value is determined by product and its condition, location and market trends. So whether you are buying or selling, an appraisal is typically the most current and fair representation of the property, as the appraiser has no vested interest in the outcome of the appraisal.

I’ve also heard “We had an appraisal two years ago, so a new one is not necessary or I paid for the appraisal, so I own it.” Typically, an appraisal is only good for 90 days. Also, if an appraisal is done during the financed purchase of the property, then the appraisal is owned by the lender. Regardless of who paid for it. The lender is, however, required to provide a copy to the consumer upon written request.

If you have an appraisal done and the results seem to interfere with the sale of the property, don’t panic. Please know that whether you are the Seller or Buyer, you have options. Talk with your REALTOR to assess the next steps and make a plan. You may be surprised to find out that you can still have a successful closing.

Crista Martin, Associate Broker, ABR, GRI, e-PRO
208.577.7157
CMartin@atova.com


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