Whether you’re selling your home to start a new chapter or refinancing to secure a better mortgage rate, a strong home appraisal is essential. The final appraised value can directly impact your financial options—determining how much you can borrow or influencing potential buyers. While it may seem like the process is out of your hands, the truth is, there’s a lot you can do to prepare. Small improvements, strategic maintenance, and a little bit of preparation can go a long way in ensuring your home gets the highest possible appraisal value.

To help you navigate this process, we’ve put together a detailed guide with practical tips. But first, let’s break down what a home appraisal is and why it plays such a crucial role in your real estate transaction.

What Is a Home Appraisal and Why Is It Important?

A home appraisal is a professional, third-party evaluation of a property’s value, conducted by a state-licensed appraiser. This unbiased assessment helps ensure that a home’s price accurately reflects its worth, protecting buyers, sellers, and mortgage lenders from over- or underestimating a property’s market value.

For lenders, a home appraisal acts as a safeguard. Mortgage providers need to confirm that the home is worth the amount they are lending since the property serves as collateral for the loan. If an appraisal comes in lower than expected, it could mean renegotiating the sale price, increasing the down payment, or even rethinking the transaction altogether.

Appraisers consider a variety of factors when determining a home’s value, including its size, condition, location, and comparable home sales in the area (commonly referred to as “comps”). Their goal is to provide a fact-based, unbiased valuation that reflects current market conditions.

How Long Does a Home Appraisal Take?

The home appraisal process typically takes between 7 to 10 days from start to finish, though timelines can vary based on property complexity and market conditions.

Breakdown of the Appraisal Process:

• On-Site Inspection: This is the part most homeowners think of when they hear “appraisal.” The appraiser will visit your home, assess its condition, take measurements, and document key features. This step usually lasts between one to two hours, depending on the size of the home and property.
  
• Market Research & Data Collection: After the site visit, the appraiser will analyze local real estate trends, review public records, and compare recently sold properties (comps) in your neighborhood. This helps them establish a fair market value for your home.
  
• Report Compilation: Once all factors have been reviewed, the appraiser prepares a detailed appraisal report, which includes a summary of findings, supporting data, and the final valuation.

If you’re in a time-sensitive situation—such as finalizing a sale or securing a refinance—it’s best to schedule your appraisal early to allow for potential delays.

What Do Home Appraisers Look For?

Appraisers take a comprehensive approach when evaluating your home’s value. It’s not just about aesthetics—while a well-staged home might make a great first impression, appraisers focus more on structural integrity, functionality, and market comparisons. Their job is to ensure the home is valued fairly based on its condition, location, and recent sales of similar properties in the area.

Understanding what an appraiser looks for can help you prepare your home in ways that may positively impact your final valuation. Here are the key areas they assess:

1. Property Size & Layout

Size is a major factor in home appraisals, but it’s not just about the raw square footage. A well-designed home with a functional layout can be worth more than a larger home with wasted space. Appraisers take into account:

• The overall layout and flow of the home – Open-concept designs often appeal to buyers and may be valued higher than homes with outdated, compartmentalized layouts.
• The number of functional bedrooms and bathrooms – Extra bedrooms and bathrooms can boost value, but they must meet legal requirements (such as proper windows and minimum square footage).
• Closet space and storage availability – Ample storage, walk-in closets, and built-in shelving can make a home more desirable.
• The usability of extra spaces like lofts, dens, and home offices – With more people working remotely, dedicated home office spaces have become increasingly valuable.

Pro tip: If you’ve repurposed a room (e.g., turned a dining room into a home office), make sure it’s presented in a way that highlights its flexibility and usefulness.

2. Exterior Condition & Curb Appeal

First impressions matter, and an appraiser will assess the home’s exterior before stepping inside. A well-maintained exterior suggests the home has been cared for, which can positively influence the valuation. Key factors they consider include:

• Roof Condition – Missing shingles, sagging areas, or visible leaks can signal costly repairs. A new or well-maintained roof can enhance value.
• Foundation – Cracks, shifting, or signs of water damage in the foundation can be red flags and negatively impact the appraisal.
• Siding & Paint – Peeling paint, faded siding, or visible damage can make a home appear neglected. Fresh paint and well-maintained siding improve a home’s perceived value.
• Landscaping – Overgrown lawns, dead plants, or unmaintained trees can make a home seem less appealing. A clean, well-kept yard adds to curb appeal.
• Outdoor Amenities – Features like a deck, porch, patio, or pool can increase home value, especially if they are well-maintained and functional. A garage, even a detached one, is often a desirable feature.

Pro tip: If your home’s exterior needs a little attention, consider basic landscaping updates like trimming bushes, adding fresh mulch, or pressure washing the siding before your appraisal.

3. Interior Condition & Functionality

Inside the home, an appraiser will evaluate both the condition and functionality of its systems and features. They want to ensure the home is livable and that major systems are in good working order. Areas of focus include:

• Plumbing – Are there any leaks, water stains, or poor water pressure? An appraiser will check for functional faucets, toilets, and drainage.
• Electrical Systems – Proper wiring, updated outlets, and well-maintained light fixtures are essential. Older homes with outdated electrical systems may be devalued due to the need for upgrades.
• HVAC Systems – Heating, ventilation, and air conditioning play a big role in comfort and energy efficiency. A well-maintained system is a plus, while an outdated or non-functional system can hurt value.
• Windows & Doors – Energy-efficient windows can improve a home’s insulation, while drafty, single-pane windows may lower its value. Functionality and security are also key.
• Kitchen & Bathrooms – These rooms often have the biggest impact on appraisals. Modern appliances, updated countertops, and well-maintained cabinets add value, while outdated fixtures or damaged surfaces can lower it.

Pro tip: Even small updates—like replacing old cabinet hardware, re-caulking sinks, or installing modern light fixtures—can make a home feel more updated without breaking the bank.

4. Basement, Attic & Foundation

Not all basements and attics are treated equally when it comes to appraisals. If they are unfinished, they won’t typically count toward the home’s livable square footage (Gross Living Area or GLA), but they can still add value if they are in good condition and provide usable space.

• Finished Basements & Attics – To be included in the home’s total living area, these spaces must meet specific requirements such as ceiling height, insulation, and proper heating. Finished basements with egress windows (required for safety) may be counted as additional living space.
• Foundation Condition – The appraiser will carefully inspect the foundation for cracks, settling, or water intrusion, as these issues can be expensive to fix and may lower the home’s value.
• Storage Potential – Even if unfinished, basements and attics that provide ample storage space can still be a positive selling point.

Pro tip: If your basement is unfinished but well-maintained, make sure it’s clean, dry, and organized before the appraiser arrives. This helps present it as a functional, valuable space.

5. Home Improvements & Upgrades

Upgrades and renovations can increase a home’s value, but not all updates are equal. Some improvements offer a better return on investment than others. Here’s what appraisers pay attention to:

• Major Renovations – Kitchen remodels, bathroom upgrades, and finished basements often provide a higher return on investment than cosmetic updates.
• Energy-Efficient Upgrades – Smart thermostats, solar panels, upgraded insulation, and energy-efficient windows can boost value.
• Appliance & System Updates – New HVAC systems, modern kitchen appliances, and tankless water heaters are attractive features for buyers and can contribute to a higher valuation.
• Smart Home Features – Security systems, smart lighting, and home automation can add appeal, especially in newer housing markets.

Pro tip: Keep a list of all upgrades you’ve made in recent years—big or small. Even minor updates, like installing a new water heater or replacing old carpet with hardwood floors, can influence the final appraisal value.

7 Must-Know Tips to Get the Best Home Appraisal

How do you maximize your home’s appraised value? The good news is, you don’t need to undertake major renovations to make a strong impression. A little preparation can go a long way. We’ve put together a checklist of key strategies—including some often-overlooked tips—to help you boost your home’s value and ensure the best possible appraisal outcome.

1. Do Your Own Home Appraisal First

Before the official appraisal, take a critical walk-through of your home—both inside and out—as if you were the appraiser. Pay attention to things that might affect the home’s condition, functionality, and appearance.

What to check:

• Look for any obvious damage, such as leaks, cracked walls, peeling paint, or broken fixtures.
• Test all major systems (plumbing, electrical, HVAC) to ensure everything works properly.
• Check safety equipment like smoke detectors, carbon monoxide alarms, and security systems—non-functioning safety features can be red flags for an appraiser.
• Identify cosmetic issues, like scuffed walls or worn-out flooring, that might make the home look neglected.

Once you’ve made a list of necessary repairs, create a plan to fix them before the appraisal. Small updates can make a big difference in the final valuation.

2. Investigate Comparable Sales (“Comps”)

Knowing what similar homes in your area have recently sold for can give you a realistic idea of what your home might appraise for. This will also help you focus on upgrades or improvements that will increase your home’s marketability.

How to research comps:

• Look at recent sales in your neighborhood—especially homes with similar square footage, bedrooms, and upgrades.
• Check real estate websites for publicly available sales data or use a home value estimator tool to get a general idea of your property’s worth.
• If possible, ask neighbors who have recently sold their homes about their appraisal experiences.
• If you’re working with a real estate agent, request that they pull a list of the most relevant comps for your home.

For homes with unique features (like extra-large yards, finished basements, or custom additions), comps can be trickier to find. Your agent may need to get creative with comparisons, staying within guidelines while ensuring your home’s value is properly represented.

3. Get Superficial—But in a Good Way

A deep clean and some light cosmetic updates can significantly enhance how your home is perceived. Even though appraisers focus on functionality over appearance, a clean, well-maintained home suggests that it has been properly cared for, which can impact its valuation.

Easy, low-cost ways to refresh your home:

• Deep clean every room—vacuum carpets, wipe down baseboards, and remove dust from vents.
• Declutter surfaces and storage areas to make spaces feel larger.
• Repaint or touch up walls to cover scuffs, stains, or outdated colors.
• Replace outdated fixtures like light switches, cabinet handles, and doorknobs.
• Upgrade window treatments for a fresh, modern look.

If you’re moving soon, consider staging your home with newer furniture or decor. Even borrowing staging items from your real estate agent can give your home an updated, polished feel.

4. Enhance Your Outdoor Spaces

Your home’s exterior is the first thing an appraiser will see, and first impressions count. A home that looks well cared for from the outside often gets a more favorable assessment.

How to boost curb appeal:

• Mow the lawn, trim bushes, and remove weeds. A neat yard signals proper maintenance.
• Add pops of color with seasonal flowers or potted plants.
• Power wash the driveway, sidewalks, deck, and siding for a fresh, clean look.
• Remove any clutter—garden tools, children’s toys, or unused outdoor furniture.
• Stage outdoor living areas with inviting furniture, string lights, or cushions to create a welcoming atmosphere.
• If you have a pool, ensure it’s well-maintained and clean—pool condition can impact value.

Most of these updates are low-cost and can be done in a weekend, but they make a big difference in how your home is perceived.

5. Share Your Home Improvements with the Appraiser

If you’ve made upgrades or renovations, make sure your appraiser knows about them! Appraisers consider both visible and behind-the-scenes improvements, so be proactive in highlighting key updates.

Which updates can increase home value?

• Major system upgrades – New HVAC, plumbing, electrical, or roofing.
• High-impact room remodels – Renovated kitchens, bathrooms, or finished basements.
• Smart home features – Security systems, smart thermostats, energy-efficient appliances.
• Exterior improvements – New siding, upgraded landscaping, or fresh paint.

Pro tip:

• Prepare a one-page summary listing your home improvements, including:
  A brief description of each upgrade
• The year it was completed
• Any permits obtained for the work

Having this information readily available ensures the appraiser doesn’t overlook valuable updates.

6. Know Your Neighborhood’s Selling Points

Your home’s value isn’t just about the house itself—the neighborhood plays a major role. If there have been positive developments in your area, make sure the appraiser is aware of them.

Neighborhood factors that can increase home value:

• New or top-rated schools – School districts significantly impact home prices.
• Parks, playgrounds, and recreational areas – Nearby green spaces add appeal.
• Transportation enhancements – New subway stops, highway expansions, or bike lanes.
• Shopping and dining developments – A growing retail or restaurant scene boosts demand.
• Community upgrades – Recently added sidewalks, street lighting, or safety features.

Appraisers may not be local experts, so don’t assume they know about recent neighborhood improvements—bring them up during the appraisal.

7. Stay Focused—Don’t Overdo It

While it’s tempting to go all-in on home improvements before an appraisal, it’s important to prioritize. Not every upgrade will yield a return on investment, so focus on things that genuinely impact value.

What NOT to do before an appraisal:

• Don’t start major renovations that won’t be finished in time.
• Avoid spending thousands on luxury upgrades that don’t match your home’s price range.
• Don’t stress over minor cosmetic imperfections—appraisers focus on function over form.

If you’re selling, remember that your buyer already liked your home enough to make an offer. The appraisal is not the time for a full-scale remodel—just ensure the home is clean, maintained, and ready for review.

Final Thoughts on How to Prepare for a Home Appraisal

Preparing for a home appraisal doesn’t have to be overwhelming. With some simple maintenance, strategic upgrades, and a little research, you can ensure your home is in top shape for its valuation. Remember, appraisers focus on functionality, condition, and market comparisons, so addressing minor repairs, enhancing curb appeal, and presenting your home’s best features can make a significant difference in the final report.

Key Takeaways:

• Understand the process – Know what an appraisal entails and how it impacts your home’s value.
• Do a pre-appraisal inspection – Walk through your home as if you were the appraiser.
• Research comps – Check recent home sales to gauge your home’s potential value.
• Enhance curb appeal – A clean, well-maintained exterior makes a strong first impression.
• Focus on functionality – Ensure all systems (HVAC, plumbing, electrical) are in working order.
• Highlight upgrades – Provide a list of home improvements to help the appraiser factor them in.
• Stay realistic – Prioritize necessary repairs and avoid overinvesting in unnecessary upgrades.

If you’re preparing for an appraisal in NYC, Block Appraisals can help ensure your home is evaluated fairly and accurately. Whether you’re selling, refinancing, or just curious about your property’s worth, our experienced professionals are here to provide expert home appraisal services. Contact us today to schedule an appraisal and get the most value out of your home!

Frequently Asked Questions (FAQs) About Home Appraisals

What should I do before a home appraisal?

To prepare for an appraisal, clean and declutter your home, complete minor repairs, enhance curb appeal, and make a list of recent upgrades. Ensuring your home’s systems (HVAC, plumbing, electrical) are in good working order can also positively impact the valuation.

How is a home appraisal different from a home inspection?

A home appraisal determines the market value of a property, while a home inspection assesses the home’s condition and potential issues. Appraisers focus on pricing, whereas inspectors check for structural or functional concerns.

Can I challenge a low home appraisal?

Yes, you can dispute an appraisal if you believe it was unfair or inaccurate. Provide additional comps, point out overlooked upgrades, or request a second opinion from another licensed appraiser.

What happens if my home appraisal comes in lower than expected?

If an appraisal is lower than expected, you may need to renegotiate the sale price, increase your down payment, or challenge the valuation with additional evidence. In a refinance, a low appraisal could affect loan terms or eligibility.

How often should I get a home appraisal?

You should get a home appraisal whenever you plan to sell, refinance, or establish your home’s current market value. It’s also helpful to get periodic appraisals to track property appreciation.

Users Also Say 

Thoughts on Preparing for a Home Appraisal…

k********
A few years back, I went all out for my home appraisal. The appraiser did a full walkthrough of the house and property, so I treated it like I was prepping for a home showing deep cleaned everything, vacuumed, put away clutter, turned on all the lights, and made sure the yard was freshly mowed and landscaped.

Did it make a difference? Maybe a little… The comparable sales in the area probably had more weight, but I do think a clean, well-maintained house helps nudge the appraisal toward the higher end. Plus, it was nice having the house “show-ready” for a few days!

I**********ain
I definitely think it matters. I had to refinance a rental, and my property manager assured me everything was sorted with the tenants. Turns out, that was a lie, the place was a disaster when the inspector came through. It was so bad he thought it was a rooming house (it wasn’t; the tenants were just absolute slobs), and the low appraisal reflected that.

After I lost it to the property manager, they finally got the place cleaned up, and the second inspector came back with a valuation about $100K higher. That whole experience pushed me to sell, and honestly, it was one of the best decisions I ever made. No more dealing with tenants or property managers…good riddance!