Reconsideration of Value in Jacksonville FL
How to approach a reconsideration of value request with facts, comparable sales, and the correct process.
What a Reconsideration of Value Is
A reconsideration of value, often called an ROV, is a request for the appraiser to review specific information that may affect the value conclusion. It is not a demand for a target number. The strongest ROV requests are specific, factual, and tied to market evidence.
This page does not compete with the general residential appraisal services page. It supports a separate search intent: people who already have a report and need to understand the review/challenge process.
Evidence That Can Help an ROV
Better comparable sales
Closed sales that are more similar in location, condition, size, age, site, and buyer appeal.
Correct property data
Errors in GLA, bedroom/bath count, site size, condition, upgrades, or special features.
Concessions and financing
Sale terms that may explain why a comparable sale needs different treatment.
Effective date relevance
Evidence must be relevant to the report’s effective date, not just what happened later.
When You Need a New Private Appraisal Instead
If the issue is not a lender ROV but a separate need such as divorce, estate, PMI removal, pre-listing, or private decision-making, a new appraisal may be more appropriate than trying to challenge an old report. Start with the intended use so the scope is correct.
Related pages: low appraisal next steps, lender vs private appraisal, and home appraisal cost factors.
Quick Questions
Can I submit any sale I find online for an ROV?
You can suggest sales, but stronger evidence usually means closed, relevant, comparable sales that were available as of the effective date.
Does an ROV guarantee a higher value?
No. The appraiser must review the evidence independently. The value may change, stay the same, or require correction depending on the facts.
Who submits an ROV for a lender appraisal?
For lender work, the borrower or agent usually works through the lender or AMC. The correct process depends on the lender.
Need local appraisal guidance?
Order online, call, or text Caleb Hollis Appraisals Inc. at 904-510-3398.