Attention homeowners in Tarpon Springs and Pinellas County: Need an appraisal?

The top reasons Florida homeowners hire Shannon Waters-Mitchell:

  1. Find the right listing price (whether they're selling the home on their own or using an agent)
  2. Challenge property tax assessments
  3. Remove PMI to cut a monthly mortgage payment
  4. Reinstate your Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. If real estate needs to be divided because of a divorce
  7. To determine the true market value of property in question to settle an estate

Own a home in or near Tarpon Springs, Florida and need help determining the value of it?
Contact Shannon Waters-Mitchell.

We at Shannon Waters-Mitchell understand the particular needs of a homeowner in need of appraisal services. The appraisal process and reporting formats are familiar to our business clients like banks, lawyers, and accountants. Being a regular consumer that ordinarily doesn't look at appraisals every day,we'll be sure you get extra guidance and explanations through the appraisal process to better understand what we do and how we report our findings.

Pre-listing Services/For Sale By Owner (FSBO)

It's very hard to be objective about your home because of your emotional attachment to it. A professional appraiser is objective and will tell you what you need to know, not just what you want to hear. A professional appraisal is a very valuable negotiating tool once you have an interested buyer, in addition to helping you set a realistic selling price so your property will attract buyers. The appraisal is something concrete to show your buyer. It's an independent third party's opinion of your home's value, and not just how much your home is worth. Potential buyers know you have an emotional attachment to your home and will be far more likely to give credibility to an experienced appraiser's value judgement than yours.

Need to cancel PMI?

An attractive money saver for homeowners is getting the PMI removed from their mortgage loan, thus saving them money on their monthly payments. PMI stands for "Private Mortgage Insurance". Your monthly payments will go down once your mortgage loan amount is down below 80% of the value of your property. In most cases you can apply to your lender to have the PMI removed from your loan. Shannon Waters-Mitchell is veterans in helping clients just like you remove unneeded PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that is going down or is not appreciating as much as other homes nearby. This only means you're going to pay higher taxes than you should be paying. The earlier you take care of a matter like this, the better, since your property assessment may likely go up again in the next period. A professional appraisal from Shannon Waters-Mitchell is your chief weapon when contesting your property tax assessment.

HELOC recently frozen?

If your property is near a declining area, your lender just may choose to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. Not only can this be difficult and inconvenient from a cash flow viewpoint, but it can be detrimental to your credit score since it may appear as though that credit line is maxed out. Shannon Waters-Mitchell can help you reinstate your home equity line of credit with an expert appraisal.

We Also Provide Field and Desktop Appraisal Review Services

Have you just been handed a copy of your appraisal and you'd prefer to have a professional double-check it for efficiency or do you desire a second opinion without the added cost and delay of waiting for a whole new appraisal? An appraiser from Shannon Waters-Mitchell can go out and check the subject and comparables in question in a field review. Or, if you're in a rush, we can provide desk review and verify as many facts as we can using online data sources as well as our own files.

We can also provide a retrospective review of any appraisal report you may have had done before. While typically requested by banks, you may wish to employ this service if you suspect mortgage fraud related to your property.