Zoe Liston - Trusted Realtor & Appraiser
Helping you home!

Appraisal Services


ZCL Appraisal Services

Every once in a while, something happens in your life that causes you to take a look at your home and wonder what it is worth. A home appraisal can identify your Twin Cities home’s fair market value. While a home assessment identifies the value of your home for tax purposes, a home appraisal determines the market value of your home if you were to list it for sale.

There are many reasons why you may need a home appraisal, including:

  • refinancing the mortgage on your current home

  • providing evidence of equity in your home to remove Private Mortgage Insurance from your monthly mortgage payment

  • applying for an FHA loan for your new home

  • determining the home’s value in a divorce settlement

  • determining the home’s value in an estate settlement for taxes and legal proceedings

  • determining the value of a home you have inherited, including historical appraisals

  • determining the home’s value in establishing a trust for a child or grandchild

  • putting your current home up for sale

  • predicting the future fair market value of a home you’re renovating

If you find yourself in one of the above situations, ZCL Appraisals can help. I have more than 16 years of experience appraising homes in Minneapolis and surrounding communities. I complete appraisals promptly and professionally and provide reports that are comprehensive and easy to understand.

To learn more or schedule your home appraisal, contact me today.


Frequently Asked Appraisal Questions

How much does an appraisal cost?
Most appraisals are $350. Fees can vary and go up depending on the size of the property and complexity of the appraisal. Multi-family properties start at $550.

What's the difference between the appraised value and tax assessed value?
The assessed value is how your property taxes are determined. Your appraised estimated value is based on what similar homes in the area  have sold for recently and other factors. Having your home appraised will not affect your taxes.

Will my home sell for more of less than the appraised value?
The value of your home or property is based on what similar homes or properties in the area have sold for (not what they are listing it for). It should sell for what it is appraised for, but understand that it is an estimate and markets can change quickly.

What is the turn around time for an appraisal?

Usually 2-3 days after the property inspection. I can also do a rush for a small additional fee.

What areas do you cover?

I cover the entire Twin Cities and the surrounding counties (see the "Areas Served" page)

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