Attention homeowners: Real estate appraisal services for Nassau, Clay, Duval and St. Johns Counties. 

Here are the top seven reasons why FL homeowners order from Tim Johnson:

  1. Get a pre-listing appraisal (whether they're selling the home on their own or using an agent)
  2. To challenge a FL property tax assessment
  3. To lower a mortgage payment by removing PMI
  4. To reinstate their Home Equity Line of Credit (or HELOC)
  5. Review another appraiser's report for verification
  6. In the case of a FL divorce, where real estate property needs to be divided
  7. To settle an estate in Nassau county or FL by determining the true market value of real estate in question

Own a home in or near Fernandina Beach, FL and need help determining the value of it?
Contact Tim Johnson.

At Tim Johnson, we understand the unique needs of a homeowner seeking appraisal services. While our typical 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 home, it's often very hard to be objective about it. Our professional appraisers at Tim Johnson are objective. We won't just tell you what you want to hear, we'll tell you what you need to know. A professional appraisal is a crucial 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 tangible to show the buyer. The appraisal is an independent third party's opinion of your property's price, not just how much your home is worth. Potential buyers assume you have an emotional attachment to your house and will be much more likely to give credibility to an expert appraiser's value conclusion than yours.

Need to remove PMI?

Getting the PMI (Private Mortgage Insurance) canceled from your mortgage loan is an attractive money saver for homeowners. Once your mortgage loan is down below 80% of the value of your property, in most cases you can apply to the lender to have the PMI eliminated from your loan, which will make your monthly payments go down. At Tim Johnson, we're experienced in helping consumers just like you do away with unneeded PMI insurance.

Challenge property tax assessments

Your local tax assessor may have your home overvalued if your home not appreciating as much as other properties nearby. This means you're going to pay higher taxes than you should be paying. The quicker you take care of things like this, the better, since your property assessment may likely go up again in the next period. Getting an appraisal from Tim Johnson is your #1 weapon when challenging your property tax assessment.

Recently got a freeze your HELOC?

If your home is in or 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. This can be be destructive to your credit score since it may appear as though that credit line is maxed out, and also unsuitable from a cash flow point of view. Tim Johnson can help you reinstate your HELOC.

We Offer Field and Desktop Appraisal Review Services

Have you just gotten a copy of your appraisal and you would prefer to have a seasoned expert double-check it for verity or do you want a second opinion without the expense and delay of waiting for a whole new appraisal? An appraiser from Tim Johnson can go out and check the subject and comps in a field review. If you need it immediately, we'll provide you with a desk review and verify as many facts as we can using online data sources as well as our own files.

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