Attention homeowners in Punta Gorda and Charlotte County: Need an appraisal?

Here are the top seven reasons why FL homeowners order from O.T. Clagett Realty, Inc.:

  1. Find the right listing price (whether they're selling the home themselves or using a real estate agent)
  2. Challenge a property tax assessment
  3. To cut your mortgage payments by removing PMI
  4. To reinstate your Home Equity Line of Credit (HELOC)
  5. To review another appraiser's report for verification
  6. In the case of a FL divorce, when property needs to be divided
  7. Settle an estate in FL by determining the true market value of property in question

Do you own a house in or near Punta Gorda? Do you need help deciding the value of your real estate?
Contact O.T. Clagett Realty, Inc..

At O.T. Clagett Realty, Inc., we understand the individual needs of a customer looking for appraisal services. While our typical business clients understand the appraisal process and standard reporting formats, you as a consumer will get extra customer service in the form of an explanation of the process and even special consumer-friendly reporting forms if the assignment allows for them.

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

Since you have an emotional attachment to your own home, it's often very hard to be objective about it. The professional appraisers at O.T. Clagett Realty, Inc. will tell you what you need to know -- not just what you want to hear. We are objective. A professional appraisal is very valuable as a negotiating tool once you have a potential buyer, in addition to helping you set a realistic selling price so your home will attract many interested buyers. It gives you something concrete to show the buyer. The appraisal is an independent third party's opinion of your house's value, not just how much you think your home is worth. Interested buyers know that you have an emotional attachment to your home and will be more likely to give credibility to a professional appraiser's value opinion than yours.

Appraisals to remove PMI

Getting the PMI (Private Mortgage Insurance) removed from your mortgage loan is a popular way to cut costs for homeowners. Your monthly payments will go down once your mortgage loan amount is below 80% of the value of your property. In most cases you can apply to the lender to have the PMI canceled from your loan. We are experienced in helping folks just like you rid themselves of unneeded and unwanted PMI insurance.

Challenging a property tax assessment

Your local tax assessor may have your home overvalued if you live in a local area that's going down. This means you are probably paying higher taxes than you should be paying. The faster you take care of things like this, the better off you'll be, since your property assessment may likely go up again in the next period. When challenging your property tax assessment, getting a professional appraisal from O.T. Clagett Realty, Inc. is your strongest weapon.

Recently got a freeze your HELOC?

If your house is in or near a declining area, your lender might just make the decision to automatically freeze your home equity line of credit (HELOC) - even if your specific property has not declined in value. This can be be negative on your credit score since it may appear as though that credit line is maxed out, and also inopportune from a cash flow angle. O.T. Clagett Realty, Inc. can help you reinstate your HELOC.

Field and Desktop Appraisal Review Services

Would you like a second opinion without the cost and delay of waiting for a whole new appraisal? Or do you desire a seasoned appraiser to double-check your appraisal for verity? We can go out and check the subject and comps 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.

Do you need a retrospective review of an appraisal? O.T. Clagett Realty, Inc. can help you with that. While typically requested by banks, you may want to use this service if you suspect mortgage fraud related to your house.