What Should You Expect During a Residential Property Appraisal in St. Louis, MO?
August 8, 2026
A Complete Guide to Understanding Your Home Appraisal Process Hunting for a house? Or maybe you need to refinance a
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This is a home I appraised in St Louis
This is an actual home I sold. I love selling high end homes.
The day after I graduated from the Univeristy of Missouri, I went to work for an appraisal firm as a trainee. I became a certified residential appraiser in 2006. I bought my first property in 2007. I bought my second home and got married in 2011. My wife and I have 3 amazing children and we love watching them grow and discover their passions.
Over the years I have done just about everything you can do in the world of real estate. I have bought and flipped homes, renovated homes, owned rental property, navigated hundreds of real estate transactions, completed thousands of appraisals and managed dozens of appraisers in multiple states. If you need help with anything real estate related, I am happy to offer my guidance, knowledge and expertice. Reach out today!
Geoff Jones
We analyze the data of thousands of homes sales to make sure you receive the most accurate information and get the best deal possible.
Using our online appraisal service gets you one step closer to a detailed evaluation of your property.
If you are purchasing with cash don’t hesitate to get an appraisal on your desired home. Make sure you are paying for its actual worth.
This quick search of the surrounding market shows all the sales in the area to help give you an idea of what is selling in the market.
Through the difficult process of divorce, you’ll be provided a fair, unbiased appraisal of your home to help with the final decision of the settlement.
After a death, the first step to fairly disposing of an estate is understanding its true value. Make sure you walk away knowing you have received a fair deal.
If you are buying a new home or looking to refinance, be sure that you are getting a trusted appraisal done to ensure all is correct in the mortgage process.
When one of our expert appraisers perform a current market value appraisal, you can be confident you’re listing your home in the right price range.
If you just have general questions about what improvements to make or want to know about the real estate market in general we can consult on a variety of real estate related topics.
With our help at Appraisal Partners, you can save on your taxes by performing an in-depth appraisal to find the true market value of your home.
Whether purchasing a home, looking to refinance, considering a home improvement, setling an estate or divorce, we can help you. Just reach out and we will help you determine the fair market value for your home.
When I began looking to buy my first home, the housing market predominantly favored sellers and there was a severe shortage of acceptable homes being listed for sale. Geoff worked closely with my fiance and I to determine our true interests which ultimately led to him finding the perfect house for us. Though it took us 8 months to find a home in an undesirable market for buyers, never once did Geoff pressure us or attempt to sway our interests. Instead, he stayed the course with us and we were very happy with the result and his services all along the way. Generally, Geoff is very knowledgeable about the housing market trends, He was also able to answer questions with regard to the physical condition of the houses we viewed along the way. I wouldn’t hesitate to refer him to my friends and family.
Recently Geoff represented us as my family purchased a home. Geoff not only helped us find the right home for us, but gave us his no-nonsense opinion in really helpful ways. Unlike other agents who merely talk about the possible uses of bedrooms, how a fresh coat of paint would do wonders, and other such cliche, Geoff was looking at electrical wiring, examining foundations, and inspecting tree roots.
We truly felt we were in good hands through our search, and have no doubt we’ll use him in the future. Highly recommended.
An Appraisal is providing a value estimate of the property as compared to other similar properties in the market. An inspection is intended to inform you of any saftey or hazardous conditions that may exist with the property.
You should feel completely comfortable keeping communication with your appraiser. While it has been said in the past that trying to talk with your appraiser can lead into legal trouble, it is actually encouraged to keep contact with them as long as you are not trying to influence the outcome of the appraisal.
Using ANSI (American National Standards Institue) guidelines, appraisers begin their measurement with the outside of the property. During this process, they will use both a tape and a laser measure. If there is a second floor on the house, the appraiser will begin measuring the interior walls and add 6 inches to account for the exterior walls. To be accounted in the GLA (Gross Living Area) your ceilings must be at least 7 feet and any sloped ceilings must be at least five. Also, any garages, basements, or other unfinished areas will also not be counted in the GLA. After the measurement is complete, make sure you sit down with you appraiser and the official tax record of the home, so they can explain any differences between the two.
An appraisal is requested by a lender to figure out an estimate of the fair market value of your home. This helps ensure that the amount of money borrowed is appropriate. Also included in an appraisal can be; the current condition of your property, sales information for similar properties, and the location of the property.
If you are concerned with a low appraisal don’t worry, there are several solutions available. For one, the lender will make a loan based on the ratio agreed to in the contract at the appraised value. Other options include; lowering the price of the home, the seller offering to carry a second mortgage to lower the price, ordering a second appraisal, a compromise on the value, or in the worst case, canceling the transaction.
The appraisal process for an FHA appraiser tends to focus on the following areas: the roof, the foundation, lot grade, ventilation, mechanical systems, heating, electricity, and crawl spaces. In these areas, appraisers look for any health and safety concerns for you, the home buyer. For example, any signs of damaged and lead-based paint, a sufficient heating and cooling system, a durable roof, and other signs that show the home is free of all known hazards.
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Whether purchasing a home, looking to refinance, considering a home improvement, setling an estate or divorce, we can help you. Just reach out and we will help you determine the fair market value for your home.
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