496 Miller Lake Rd, Columbiaville, MI 48421.pdf
Gerald Raymond Petitioner V Township Of Deerfield Respondent · 26-000500-TT
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FHA/VA Case No. Form NIV3 - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Double J Appraisals, LLC. Double J Appraisals, LLC. Double J Appraisals, LLC. 7180 E Court St Davison, MI 48423-2546 (810) 223-1056 Raymond Gerald P & Traci Janiceii 370 Miller Lake Rd Columbiaville, MI 48421 5054IND 03/31/2026 5054IND Raymond Gerald P & Traci Janiceii Raymond Gerald P & Traci Janiceii Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 See attached addenda. Appraisal Report 550.00 THANK YOU Please call if you have any questions 550.00 550.00 550.00 0 INVOICE FROM: Telephone Number: Fax Number: TO: Telephone Number: Fax Number: Alternate Number: E-Mail: INVOICE NUMBER DATE REFERENCE Internal Order #: Lender Case #: Client File #: Main File # on form: Other File # on form: Federal Tax ID: Employer ID: Lender: Client: Purchaser/Borrower: Property Address: City: County: State: Zip: Legal Description: $ DESCRIPTION FEES AMOUNT SUBTOTAL PAYMENTS AMOUNT Check #: Date: Description: Check #: Date: Description: Check #: Date: Description: SUBTOTAL TOTAL DUE
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FHA/VA Case No. Page # 1 Double J Appraisals, LLC. 5054IND RESIDENTIAL APPRAISAL SUMMARY REPORT 496 Miller Lake Rd Columbiaville MI 48421 Lapeer See attached addenda. 00602901603 2025 4,750.25 included Raymond Gerald P & Traci Janiceii Raymond Gerald P & Traci Janiceii Single Family 0 Deerfield Twp 47664 3320.00 Market value for tax appeal purposes. Tax appeal based on January 1 2025-December 31 2025 sales Raymond Gerald P & Traci Janiceii Raymond Gerald P & Traci Janiceii 370 Miller Lake Rd, Columbiaville, MI 48421 Joy Smith 7180 E Court St, Davison, MI 48423-2546 28 685 250 1 200 50 55 5 5 5 Other 30 Conventional, Cash, Rural Development and FHA/VA financing are typical for the area. Some seller concessions are typical for the area. The average market time is 0-6 months according to the Realcomp Board of Realtors Multiple Listing Service .Growth is slow in the area with some new construction. The subject is located in Deerfield Township, Deerfield taxing authority, Lakeville Edu District with a Columbiaville mailing address. Boxes above are for the entire educational district, not just the township. See legal 10.00 ac R1 Single Family Residential Residential Home Residential Home Highest and best use is as a Residential home. Public System Private System Gravel None None None None At road grade Average for area Rectangular Appears Adequate Residential X 26087C0150E 09/19/2007 Site size is typical for the area with a conforming setback, no apparent adverse easements or encroachments were evident. The subject has a private well and septic system which is not uncommon for the subjects area, city water and sewer are not available, not considered an adverse condition. 1 Ranch 1 1 Concrete Vinyl Metal Metal Vinyl Yes None Full None Unknown Unknown Gas Yes Wood/Carpet Drywall Wood Wood Fiberglass/Ceramic Wood 0 Concrete Wood Wood None None 0 4 2 2 Gravel/Con 6 3 2.0 1,620 None Newer home. Form GPRES2 - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE File No.: SUBJECT Property Address: City: State: Zip Code: County: Legal Description: Assessor's Parcel #: Tax Year: R.E. Taxes: $ Special Assessments: $ Borrower (if applicable): Current Owner of Record: Occupant: Owner Tenant Vacant Manufactured Housing Project Type: PUD Condominium Cooperative Other (describe) HOA: $ per year per month Market Area Name: Map Reference: Census Tract: ASSIGNMENT The purpose of this appraisal is to develop an opinion of: Market Value (as defined), or other type of value (describe) This report reflects the following value (if not Current, see comments): Current (the Inspection Date is the Effective Date) Retrospective Prospective Approaches developed for this appraisal: Sales Comparison Approach Cost Approach Income Approach (See Reconciliation Comments and Scope of Work) Property Rights Appraised: Fee Simple Leasehold Leased Fee Other (describe) Intended Use: Intended User(s) (by name or type): Client: Address: Appraiser: Address: MARKET AREA DESCRIPTION Location: Urban Suburban Rural Built up: Over 75% 25-75% Under 25% Growth rate: Rapid Stable Slow Property values: Increasing Stable Declining Demand/supply: Shortage In Balance Over Supply Marketing time: Under 3 Mos. 3-6 Mos. Over 6 Mos. Predominant Occupancy Owner Tenant Vacant (0-5%) Vacant (>5%) One-Unit Housing PRICE $(000) Low High Pred AGE (yrs) Present Land Use One-Unit % 2-4 Unit % Multi-Unit % Comm'l % % Change in Land Use Not Likely Likely * In Process * * To: Market Area Boundaries, Description, and Market Conditions (including support for the above characteristics and trends): SITE DESCRIPTION Dimensions: Site Area: Zoning Classification: Description: Zoning Compliance: Legal Legal nonconforming (grandfathered) Illegal No zoning Are CC&Rs applicable? Yes No Unknown Have the documents been reviewed? Yes No Ground Rent (if applicable) $ / Highest & Best Use as improved: Present use, or Other use (explain) Actual Use as of Effective Date: Use as appraised in this report: Summary of Highest & Best Use: Utilities Public Other Provider/Description Off-site Improvements Type Public Private Electricity Gas Water Sanitary Sewer Storm Sewer Street Curb/Gutter Sidewalk Street Lights Alley Topography Size Shape Drainage View Other site elements: Inside Lot Corner Lot Cul de Sac Underground Utilities Other (describe) FEMA Spec'l Flood Hazard Area Yes No FEMA Flood Zone FEMA Map # FEMA Map Date Site Comments: DESCRIPTION OF THE IMPROVEMENTS General Description # of Units Acc.Unit # of Stories Type Det. Att. Design (Style) Existing Proposed Und.Cons. Actual Age (Yrs.) Effective Age (Yrs.) Exterior Description Foundation Exterior Walls Roof Surface Gutters & Dwnspts. Window Type Storm/Screens Foundation Slab Crawl Space Basement Sump Pump Dampness Settlement Infestation Basement None Area Sq. Ft. % Finished Ceiling Walls Floor Outside Entry Heating Type Fuel Cooling Central Other Interior Description Floors Walls Trim/Finish Bath Floor Bath Wainscot Doors Appliances Refrigerator Range/Oven Disposal Dishwasher Fan/Hood Microwave Washer/Dryer Attic None Stairs Drop Stair Scuttle Doorway Floor Heated Finished Amenities Fireplace(s) # Patio Deck Porch Fence Pool Woodstove(s) # Car Storage None Garage # of cars ( Tot.) Attach. Detach. Blt.-In Carport Driveway Surface Finished area above grade contains: Rooms Bedrooms Bath(s) Square Feet of Gross Living Area Above Grade Additional features: Describe the condition of the property (including physical, functional and external obsolescence): Copyright© 2007 by a la mode, inc. This form may be reproduced unmodified without written permission, however, a la mode, inc. must be acknowledged and credited. 3/2007
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FHA/VA Case No. Page # 2 5054IND RESIDENTIAL APPRAISAL SUMMARY REPORT Realcomp Association of Realtors Multiple Listing Service, Realcomp online and Realist, Assessor 09/29/2023 0 Corelogic & see above 09/29/2023 WD no value, 02/24/2023 QC for $40,000 between related parties. 496 Miller Lake Rd Columbiaville, MI 48421 Fee Simple Residential 10.00 ac Residential Ranch Vinyl 1 Good 6 3 2.0 1,620 Crawl space None Average Gfa;Ca None Disclosed 2 Car Garage Porch/Deck/Patio Fireplaces None Exterior Features None Amenities None 6580 Gleaner Hall Rd North Branch, MI 48461 4.99 miles NE 349,900 202.72 RCO #20240029703;DOM 47 Agent/Realist/Assessor/Street ArmLth FHA;0 s07/24;c06/24 Fee Simple Residential 4.08 ac +50,300 Residential Ranch Vinyl 2 0 Good 6 3 2.0 1,726 -6,900 Slab None Average Lpfa;Ca 0 None Disclosed 2 Car Garage Porch/Patio 0 1 Fireplace -5,000 None None 38,400 388,300 1438 Debi Ann Dr Lapeer, MI 48446 5.04 miles SW 355,000 277.56 RCO #20251013139;DOM 144 Agent/Realist/Assessor/Street ArmLth Conv;0 s12/25;c12/25 Fee Simple Residential 1.46 ac +72,600 Residential Ranch Vinyl 1 Good 6 3 2.0 1,279 +22,200 Full -20,000 None Average Gfa;Ca None Disclosed 2 Car Garage Porch 0 None None None 74,800 429,800 509 Miller Lake Rd Columbiaville, MI 48421 0.13 miles SW 360,000 165.75 RCO #20250022091;DOM 15 Agent/Realist/Assessor/Street ArmLth Unk;0 s05/25;c04/25 Fee Simple Residential 10.00 ac Residential CpCod Vinyl 23 +22,000 Average/Dated +30,000 8 4 2.0 2,172 -35,900 Crawl space Average Gfa;Ca None Disclosed 2 Car Garage Porch/Deck 0 1 Fireplace -5,000 None Pond -10,000 1,100 361,100 The appraiser searched a 6 mile radius for comparable sales. Built between 2025 and 1990, 1-13 acres, 1300-2200 square feet per agents. Appraiser did confirm square footage as data is available and that data used in report. All in the subjects market area, Appraiser did find sales in the same Taxing authority and outside, as this is a newer home and sales of new homes in the same township were not plentiful. Sale 1 is in the same township, Sale 2 is not, however both are new homes. Other sales provided including a sale on the same street with adjustments as the market reactions shows. No one sale is an exact match to the subject however sales provided for site, age, gla, room count, foundation and amenities. #3 on same street has the least amount of positive adjustments, #1 and #2 are new homes, 4-6 are in the same township and provided for support and to show the market. Located in the same township, they are older, smaller land, larger and similar square footage, however have superior amenities (basements and finished areas), fireplaces, outbuildings. Both positive and negative adjustments. No adjustments (o) where there was limited market data to support any adjustments Amenities adjustments-- all based on market data and analysis. No one sale given the most weight. Appraiser supplied a wide range to show the market for the subject property. Market value is based on the date of inspection and the condition of the subject at that time. This is not a guarantee of future value or a guarantee of future sale price. Adjustment for square footage based on market data, adjusted at $65 a square foot--based on the Ratterman theory of adjustment, recognized within the appraisal industry. No adjustments for the patio/deck/porch/ etc as there is little market data to support any adjustment. These are selling features for a potential buyer. All personal property (furniture, window blinds, appliances etc) are all personal property and given no weight in the final value conclusion. ***sales are from 2025 and 2024 due to the lack of new home sales and the requirement to provided new home sales. Again this is for Tax Assessment Appeal and there were no 2026 sales provided. Value is based on 12/31/2025 inspection date of 03/31/2026 380,000 Form GPRES2 - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE File No.: TRANSFER HISTORY My research did did not reveal any prior sales or transfers of the subject property for the three years prior to the effective date of this appraisal. Data Source(s): 1st Prior Subject Sale/Transfer Date: Price: Source(s): 2nd Prior Subject Sale/Transfer Date: Price: Source(s): Analysis of sale/transfer history and/or any current agreement of sale/listing: SALES COMPARISON APPROACH SALES COMPARISON APPROACH TO VALUE (if developed) The Sales Comparison Approach was not developed for this appraisal. FEATURE SUBJECT COMPARABLE SALE # 1 COMPARABLE SALE # 2 COMPARABLE SALE # 3 Address Proximity to Subject Sale Price $ $ $ $ Sale Price/GLA $ /sq.ft. $ /sq.ft. $ /sq.ft. $ /sq.ft. Data Source(s) Verification Source(s) VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +(-) $ Adjust. DESCRIPTION +(-) $ Adjust. DESCRIPTION +(-) $ Adjust. Sales or Financing Concessions Date of Sale/Time Rights Appraised Location Site View Design (Style) Quality of Construction Age Condition Above Grade Total Bdrms Baths Total Bdrms Baths Total Bdrms Baths Total Bdrms Baths Room Count Gross Living Area sq.ft. sq.ft. sq.ft. sq.ft. Basement & Finished Rooms Below Grade Functional Utility Heating/Cooling Energy Efficient Items Garage/Carport Porch/Patio/Deck Net Adjustment (Total) + - + - + - $ $ $ Adjusted Sale Price of Comparables $ $ $ Summary of Sales Comparison Approach Indicated Value by Sales Comparison Approach $ Copyright© 2007 by a la mode, inc. This form may be reproduced unmodified without written permission, however, a la mode, inc. must be acknowledged and credited. 3/2007
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FHA/VA Case No. Page # 3 5054IND RESIDENTIAL APPRAISAL SUMMARY REPORT Local assessor has the land value at $45,000 Cost Approach was considered, but deemed not applicable due to the sales comparison approach being the most reliable indicator of value in the current market. 60 The income approach was considered, but not included in the final value estimate, due to lack of rental comparables. 380,000 All weight is given to the sales comparison approach, with equal weight given to all closed sales. Cost approach was considered but not developed. The income approach was considered, but not utilized due to a lack of current rental data, for similar style and aged dwellings in the subject neighborhood. Tax appeal based on January 1 2025-December 31 2025 sales 380,000 12/31/2025 18 Scope of Work Limiting Cond./Certifications Narrative Addendum Photograph Addenda Sketch Addendum Map Addenda Additional Sales Cost Addendum Flood Addendum Manuf. House Addendum Hypothetical Conditions Extraordinary Assumptions Raymond Gerald P & Traci Janiceii 370 Miller Lake Rd, Columbiaville, MI 48421 Joy Smith Double J Appraisals, LLC. 810-223-1056 joyith@charter.net 04/03/2026 1204071013 MI 07/31/2027 03/31/2026 Form GPRES2 - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE File No.: COST APPROACH COST APPROACH TO VALUE (if developed) The Cost Approach was not developed for this appraisal. Provide adequate information for replication of the following cost figures and calculations. Support for the opinion of site value (summary of comparable land sales or other methods for estimating site value): ESTIMATED REPRODUCTION OR REPLACEMENT COST NEW Source of cost data: Quality rating from cost service: Effective date of cost data: OPINION OF SITE VALUE =$ DWELLING Sq.Ft. @ $ =$ Sq.Ft. @ $ =$ Sq.Ft. @ $ =$ Sq.Ft. @ $ =$ Sq.Ft. @ $ =$ =$ Garage/Carport Sq.Ft. @ $ =$ Total Estimate of Cost-New =$ Less Physical Functional External Depreciation =$( ) Depreciated Cost of Improvements =$ ''As-is'' Value of Site Improvements =$ =$ =$ INDICATED VALUE BY COST APPROACH =$ Comments on Cost Approach (gross living area calculations, depreciation, etc.): Estimated Remaining Economic Life (if required): Years INCOME APPROACH INCOME APPROACH TO VALUE (if developed) The Income Approach was not developed for this appraisal. Estimated Monthly Market Rent $ X Gross Rent Multiplier = $ Indicated Value by Income Approach Summary of Income Approach (including support for market rent and GRM): PUD PROJECT INFORMATION FOR PUDs (if applicable) The Subject is part of a Planned Unit Development. Legal Name of Project: Describe common elements and recreational facilities: RECONCILIATION Indicated Value by: Sales Comparison Approach $ Cost Approach (if developed) $ Income Approach (if developed) $ Final Reconciliation This appraisal is made ''as is'', subject to completion per plans and specifications on the basis of a Hypothetical Condition that the improvements have been completed, subject to the following repairs or alterations on the basis of a Hypothetical Condition that the repairs or alterations have been completed, subject to the following required inspection based on the Extraordinary Assumption that the condition or deficiency does not require alteration or repair: This report is also subject to other Hypothetical Conditions and/or Extraordinary Assumptions as specified in the attached addenda. Based on the degree of inspection of the subject property, as indicated below, defined Scope of Work, Statement of Assumptions and Limiting Conditions, and Appraiser’s Certifications, my (our) Opinion of the Market Value (or other specified value type), as defined herein, of the real property that is the subject of this report is: $ , as of: , which is the effective date of this appraisal. If indicated above, this Opinion of Value is subject to Hypothetical Conditions and/or Extraordinary Assumptions included in this report. See attached addenda. ATTACHMENTS A true and complete copy of this report contains pages, including exhibits which are considered an integral part of the report. This appraisal report may not be properly understood without reference to the information contained in the complete report. Attached Exhibits: SIGNATURES Client Contact: Client Name: E-Mail: Address: APPRAISER Appraiser Name: Company: Phone: Fax: E-Mail: Date of Report (Signature): License or Certification #: State: Designation: Expiration Date of License or Certification: Inspection of Subject: Interior & Exterior Exterior Only None Date of Inspection: SUPERVISORY APPRAISER (if required) or CO-APPRAISER (if applicable) Supervisory or Co-Appraiser Name: Company: Phone: Fax: E-Mail: Date of Report (Signature): License or Certification #: State: Designation: Expiration Date of License or Certification: Inspection of Subject: Interior & Exterior Exterior Only None Date of Inspection: Copyright© 2007 by a la mode, inc. This form may be reproduced unmodified without written permission, however, a la mode, inc. must be acknowledged and credited. 3/2007
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FHA/VA Case No. Page # 4 5054IND ADDITIONAL COMPARABLE SALES 496 Miller Lake Rd Columbiaville, MI 48421 Fee Simple Residential 10.00 ac Residential Ranch Vinyl 1 Good 6 3 2.0 1,620 Crawl space None Average Gfa;Ca None Disclosed 2 Car Garage Porch/Deck/Patio Fireplaces None Exterior Features None Amenities None 2920 Oak Grove Rd North Branch, MI 48461 4.64 miles E 330,000 172.96 RCO #20250036648;DOM 64 Agent/Realist/Assessor/Street ArmLth Conv;0 s08/25;c08/25 Fee Simple Residential 4.01 ac +50,900 Residential Colonial Vinyl 28 +27,000 Good/Updated 6 3 2.1 -6,000 1,908 -18,700 Full/Walkout -20,000 Rec/Bar -10,000 Average Lpfa/Ca 0 None Disclosed 2 Car Garage Porch/Patio 0 1 Fireplace -5,000 Outbuilding -20,000 None -1,800 328,200 2168 Gravel Creek Rd North Branch, MI 48461 3.27 miles E 379,000 227.22 RCO #20251040623;DOM 6 Agent/Realist/Assessor/Street ArmLth Conv;0 s11/25;c10/25 Fee Simple Residential 4.01 ac +50,900 Residential Ranch Vinyl/Stone 0 28 +27,000 Good/Updated 6 3 2.0 1,668 Full -20,000 Rec Room/Bed -10,000 Average Lpfa/Ca 0 None Disclosed 2 Car Garage Porch/Deck 0 1 F/P, 1 W/S -10,000 None Fenced yard 0 37,900 416,900 73 Dockham Rd Columbiaville, MI 48421 1.26 miles SE 338,000 177.52 RCO #20251003765;DOM 148 Agent/Realist/Assessor/Street ArmLth VA;9200 s12/25;c11/25 Fee Simple Residential 6.12 ac +33,000 Residential Ranch Vinyl 24 +23,000 Good/Updated 8 4 2.0 1,904 -18,500 Full -20,000 None Average Gfa;Ca None Disclosed 2dw +10,000 Porch 0 1 Fireplace -5,000 Outbuilding -20,000 None 2,500 340,500 Form GPRES2.(AC) - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 4 5 6 File No.: SALES COMPARISON APPROACH FEATURE SUBJECT COMPARABLE SALE # COMPARABLE SALE # COMPARABLE SALE # Address Proximity to Subject Sale Price $ $ $ $ Sale Price/GLA $ /sq.ft. $ /sq.ft. $ /sq.ft. $ /sq.ft. Data Source(s) Verification Source(s) VALUE ADJUSTMENTS DESCRIPTION DESCRIPTION +(-) $ Adjust. DESCRIPTION +(-) $ Adjust. DESCRIPTION +(-) $ Adjust. Sales or Financing Concessions Date of Sale/Time Rights Appraised Location Site View Design (Style) Quality of Construction Age Condition Above Grade Total Bdrms Baths Total Bdrms Baths Total Bdrms Baths Total Bdrms Baths Room Count Gross Living Area sq.ft. sq.ft. sq.ft. sq.ft. Basement & Finished Rooms Below Grade Functional Utility Heating/Cooling Energy Efficient Items Garage/Carport Porch/Patio/Deck Net Adjustment (Total) + - + - + - $ $ $ Adjusted Sale Price of Comparables $ $ $ Summary of Sales Comparison Approach Copyright© 2007 by a la mode, inc. This form may be reproduced unmodified without written permission, however, a la mode, inc. must be acknowledged and credited. 3/2007
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FHA/VA Case No. Page # 5 Form SKT.BLDSKI - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Building Sketch Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii Borrower Lender/Client First Floor [1620 Sq ft] 60' 27' 60' Living Bath Bath Bedroom Bedroom Bedroom Dining Laundry Mudroom Utility Kitchen 2 Car Attached [896 Sq ft] 32' 28' 32' TOTAL Sketch by a la mode Area Calculations Summary Living Area Calculation Details First Floor 1620 Sq ft 27 × 60 = 1620 Total Living Area (Rounded): 1620 Sq ft Non-living Area 2 Car Attached 896 Sq ft 28 × 32 = 896 Property Address City County State Zip Code
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FHA/VA Case No. Page # 6 Public Record - Page 1 Form SCNLGL - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE
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FHA/VA Case No. Page # 7 5054IND Assumptions, Limiting Conditions & Scope of Work 496 Miller Lake Rd Columbiaville MI 48421 Raymond Gerald P & Traci Janiceii 370 Miller Lake Rd, Columbiaville, MI 48421 Joy Smith 7180 E Court St, Davison, MI 48423-2546 STATEMENT OF ASSUMPTIONS & LIMITING CONDITIONS - The appraiser will not be responsible for matters of a legal nature that affect either the property being appraised or the title to it. The appraiser assumes that the title is good and marketable and, therefore, will not render any opinions about the title. The property is appraised on the basis of it being under responsible ownership. - The appraiser may have provided a sketch in the appraisal report to show approximate dimensions of the improvements, and any such sketch is included only to assist the reader of the report in visualizing the property and understanding the appraiser's determination of its size. Unless otherwise indicated, a Land Survey was not performed. - If so indicated, the appraiser has examined the available flood maps that are provided by the Federal Emergency Management Agency (or other data sources) and has noted in the appraisal report whether the subject site is located in an identified Special Flood Hazard Area. Because the appraiser is not a surveyor, he or she makes no guarantees, express or implied, regarding this determination. - The appraiser will not give testimony or appear in court because he or she made an appraisal of the property in question, unless specific arrangements to do so have been made beforehand. - If the cost approach is included in this appraisal, the appraiser has estimated the value of the land in the cost approach at its highest and best use, and the improvements at their contributory value. These separate valuations of the land and improvements must not be used in conjunction with any other appraisal and are invalid if they are so used. Unless otherwise specifically indicated, the cost approach value is not an insurance value, and should not be used as such. - The appraiser has noted in the appraisal report any adverse conditions (including, but not limited to, needed repairs, depreciation, the presence of hazardous wastes, toxic substances, etc.) observed during the inspection of the subject property, or that he or she became aware of during the normal research involved in performing the appraisal. Unless otherwise stated in the appraisal report, the appraiser has no knowledge of any hidden or unapparent conditions of the property, or adverse environmental conditions (including, but not limited to, the presence of hazardous wastes, toxic substances, etc.) that would make the property more or less valuable, and has assumed that there are no such conditions and makes no guarantees or warranties, express or implied, regarding the condition of the property. The appraiser will not be responsible for any such conditions that do exist or for any engineering or testing that might be required to discover whether such conditions exist. Because the appraiser is not an expert in the field of environmental hazards, the appraisal report must not be considered as an environmental assessment of the property. - The appraiser obtained the information, estimates, and opinions that were expressed in the appraisal report from sources that he or she considers to be reliable and believes them to be true and correct. The appraiser does not assume responsibility for the accuracy of such items that were furnished by other parties. - The appraiser will not disclose the contents of the appraisal report except as provided for in the Uniform Standards of Professional Appraisal Practice, and any applicable federal, state or local laws. - If this appraisal is indicated as subject to satisfactory completion, repairs, or alterations, the appraiser has based his or her appraisal report and valuation conclusion on the assumption that completion of the improvements will be performed in a workmanlike manner. - An appraiser's client is the party (or parties) who engage an appraiser in a specific assignment. Any other party acquiring this report from the client does not become a party to the appraiser-client relationship. Any persons receiving this appraisal report because of disclosure requirements applicable to the appraiser's client do not become intended users of this report unless specifically identified by the client at the time of the assignment. - The appraiser's written consent and approval must be obtained before this appraisal report can be conveyed by anyone to the public, through advertising, public relations, news, sales, or by means of any other media, or by its inclusion in a private or public database. - An appraisal of real property is not a 'home inspection' and should not be construed as such. As part of the valuation process, the appraiser performs a non-invasive visual inventory that is not intended to reveal defects or detrimental conditions that are not readily apparent. The presence of such conditions or defects could adversely affect the appraiser's opinion of value. Clients with concerns about such potential negative factors are encouraged to engage the appropriate type of expert to investigate. The Scope of Work is the type and extent of research and analyses performed in an appraisal assignment that is required to produce credible assignment results, given the nature of the appraisal problem, the specific requirements of the intended user(s) and the intended use of the appraisal report. Reliance upon this report, regardless of how acquired, by any party or for any use, other than those specified in this report by the Appraiser, is prohibited. The Opinion of Value that is the conclusion of this report is credible only within the context of the Scope of Work, Effective Date, the Date of Report, the Intended User(s), the Intended Use, the stated Assumptions and Limiting Conditions, any Hypothetical Conditions and/or Extraordinary Assumptions, and the Type of Value, as defined herein. The appraiser, appraisal firm, and related parties assume no obligation, liability, or accountability, and will not be responsible for any unauthorized use of this report or its conclusions. Additional Comments (Scope of Work, Extraordinary Assumptions, Hypothetical Conditions, etc.): Additional Comments (Scope of Work, Extraordinary Assumptions, Hypothetical Conditions, etc.):Please note the date of this report is 12/31/2025 Date of inspection is 03/31/2026 COMMENT ON RETROSPECTIVE APPRAISALS USPAP, Statement on Appraisal Standards (SMT-3) Subject: Retrospective Value Opinions ??A retrospective appraisal is complicated by the fact that the appraiser already knows what occurred in the market after the effective date of th appraisal. Data subsequent to the effective date may be considered in developing a retrospective value as a confirmation of trends that would reasonably be considered by a buyer or seller as of that date Form GPRES2AD - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE File No.: Property Address: City: State: Zip Code: Client: Address: Appraiser: Address: Copyright© 2007 by a la mode, inc. This form may be reproduced unmodified without written permission, however, a la mode, inc. must be acknowledged and credited. 3/2007
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FHA/VA Case No. Page # 8 5054IND Certifications 496 Miller Lake Rd Columbiaville MI 48421 Raymond Gerald P & Traci Janiceii 370 Miller Lake Rd, Columbiaville, MI 48421 Joy Smith 7180 E Court St, Davison, MI 48423-2546 APPRAISER'S CERTIFICATION I certify that, to the best of my knowledge and belief: - The statements of fact contained in this report are true and correct. - The credibility of this report, for the stated use by the stated user(s), of the reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions, and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties involved. - Unless otherwise indicated, I have performed no services, as an appraiser or in any other capacity, regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment. - I have no bias with respect to the property that is the subject of this report or to the parties involved with this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. - My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice that were in effect at the time this report was prepared. - I did not base, either partially or completely, my analysis and/or the opinion of value in the appraisal report on the race, color, religion, sex, handicap, familial status, or national origin of either the prospective owners or occupants of the subject property, or of the present owners or occupants of the properties in the vicinity of the subject property. - Unless otherwise indicated, I have made a personal inspection of the property that is the subject of this report. - Unless otherwise indicated, no one provided significant real property appraisal assistance to the person(s) signing this certification DEFINITION OF MARKET VALUE *: Market value means the most probable price which a property should bring in a competitive and open market under all conditions requisite to a fair sale, the buyer and seller each acting prudently and knowledgeably, and assuming the price is not affected by undue stimulus. Implicit in this definition is the consummation of a sale as of a specified date and the passing of title from seller to buyer under conditions whereby: 1. Buyer and seller are typically motivated; 2. Both parties are well informed or well advised and acting in what they consider their own best interests; 3. A reasonable time is allowed for exposure in the open market; 4. Payment is made in terms of cash in U.S. dollars or in terms of financial arrangements comparable thereto; and 5. The price represents the normal consideration for the property sold unaffected by special or creative financing or sales concessions granted by anyone associated with the sale. * This definition is from regulations published by federal regulatory agencies pursuant to Title XI of the Financial Institutions Reform, Recovery, and Enforcement Act (FIRREA) of 1989 between July 5, 1990, and August 24, 1990, by the Federal Reserve System (FRS), National Credit Union Administration (NCUA), Federal Deposit Insurance Corporation (FDIC), the Office of Thrift Supervision (OTS), and the Office of Comptroller of the Currency (OCC). This definition is also referenced in regulations jointly published by the OCC, OTS, FRS, and FDIC on June 7, 1994, and in the Interagency Appraisal and Evaluation Guidelines, dated October 27, 1994. COMMENT ON RETROSPECTIVE APPRAISALS USPAP, Statement on Appraisal Standards (SMT-3) Subject: Retrospective Value Opinions “…A retrospective appraisal is complicated by the fact that the appraiser already knows what occurred in the market after the effective date of the appraisal. Data subsequent to the effective date may be considered in developing a retrospective value as a confirmation of trends that would reasonably be considered by a buyer or seller as of that date…” Raymond Gerald P & Traci Janiceii 370 Miller Lake Rd, Columbiaville, MI 48421 Joy Smith Double J Appraisals, LLC. 810-223-1056 joyith@charter.net 04/03/2026 1204071013 MI 07/31/2027 03/31/2026 Form GPRES2AD - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE File No.: Property Address: City: State: Zip Code: Client: Address: Appraiser: Address: SIGNATURES Client Contact: Client Name: E-Mail: Address: APPRAISER Appraiser Name: Company: Phone: Fax: E-Mail: Date Report Signed: License or Certification #: State: Designation: Expiration Date of License or Certification: Inspection of Subject: Interior & Exterior Exterior Only None Date of Inspection: SUPERVISORY APPRAISER (if required) or CO-APPRAISER (if applicable) Supervisory or Co-Appraiser Name: Company: Phone: Fax: E-Mail: Date Report Signed: License or Certification #: State: Designation: Expiration Date of License or Certification: Inspection of Subject: Interior & Exterior Exterior Only None Date of Inspection: Copyright© 2007 by a la mode, inc. This form may be reproduced unmodified without written permission, however, a la mode, inc. must be acknowledged and credited. 3/2007
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FHA/VA Case No. Page # 9 Raymond Gerald P & Traci Janiceii 5054IND 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii APPRAISAL AND REPORT IDENTIFICATION 2-2(a) 2-2(b) 2-2(c) Comments on Standards Rule 2-3 I certify that, to the best of my knowledge and belief: - The statements of fact contained in this report are true and correct. - The reported analyses, opinions, and conclusions are limited only by the reported assumptions and limiting conditions and are my personal, impartial, and unbiased professional analyses, opinions, and conclusions. - Unless otherwise indicated, I have no present or prospective interest in the property that is the subject of this report and no personal interest with respect to the parties involved. - Unless otherwise indicated, I have performed no services, as an appraiser or in any other capacity, regarding the property that is the subject of this report within the three-year period immediately preceding acceptance of this assignment. - I have no bias with respect to the property that is the subject of this report or the parties involved with this assignment. - My engagement in this assignment was not contingent upon developing or reporting predetermined results. - My compensation for completing this assignment is not contingent upon the development or reporting of a predetermined value or direction in value that favors the cause of the client, the amount of the value opinion, the attainment of a stipulated result, or the occurrence of a subsequent event directly related to the intended use of this appraisal. - My analyses, opinions, and conclusions were developed, and this report has been prepared, in conformity with the Uniform Standards of Professional Appraisal Practice that were in effect at the time this report was prepared. - Unless otherwise indicated, I have made a personal inspection of the property that is the subject of this report. - Unless otherwise indicated, no one provided significant real property appraisal assistance to the person(s) signing this certification (if there are exceptions, the name of each individual providing significant real property appraisal assistance is stated elsewhere in this report). Exposure time and Market time are considered equal in this report. Comments on Appraisal and Report Identification Note any USPAP-related issues requiring disclosure and any state mandated requirements: Joy Smith Designation: 04/03/2026 1204071013 MI 07/31/2027 12/31/2025 Designation: Form ID12E - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Borrower Lender/Client File No. Property Address City County State Zip Code This Appraisal Report is one of the following types: Self Contained (A written report prepared under Standards Rule , pursuant to the Scope of Work, as disclosed elsewhere in this report.) Summary (A written report prepared under Standards Rule , pursuant to the Scope of Work, as disclosed elsewhere in this report.) Restricted Use (A written report prepared under Standards Rule , pursuant to the Scope of Work, as disclosed elsewhere in this report, restricted to the stated intended use by the specified client or intended user.) Reasonable Exposure Time My Opinion of Reasonable Exposure Time for the subject property at the market value stated in this report is: APPRAISER: Signature: Name: Date Signed: State Certification #: or State License #: State: Expiration Date of Certification or License: Effective Date of Appraisal: SUPERVISORY APPRAISER (only if required): Signature: Name: Date Signed: State Certification #: or State License #: State: Expiration Date of Certification or License: Supervisory Appraiser inspection of Subject Property: Did Not Exterior-only from street Interior and Exterior
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• Order Form: Legal Description SEC 29 T9N R10E PART OF NW 1/4 SEC 29; BEG W 1/4 COR SEC 29, TH S 89 34 30 E 690.73 FT TO POB; TH N 00 40 41 E 668.34 FT; TH S 89 34 30 E 651.61 FT; TH S 00 40 41 W 668.34 FT; TH N 89 34 30 W 651.61 FT TO POB. SUBJECT TO AND BURDENED WITH A 37' WIDE EASEMETN FOR INGRESS & EGRESS AND PUBLIC UTILITIES, DESCRIBED AS THE E 37 FEET THEREOF. CONT 10.0 ACRES. SPLIT FOR 2022 NDH. The purpose of this Appraisal Summary Report is to estimate value as defined in the attached Certification and Statement of Limiting Conditions. The scope of work for this assignment included the identification of the client, the analysis of the assignment, the identification of the intended use and user, research, analysis and verification of public records and market data and statistics, including a three-year sales history for the subject and a one-year history for the comparables. The appraiser considered all three approaches to value, prepared maps of the subject and comparables, the photograph addenda and the final value estimation in a written summary report, as specified by the client. The appraiser visually inspected the subject including all readily accessible areas of the home, i.e. the exterior walls, exterior foundation, roof, living areas, garage. The condition of the exterior walls and roof were determined by visual observation from the ground level and the condition of possible leakage or stains on the interior of the subject was also determined by visual inspection. The appraiser notes that the mechanical and electrical systems were present and only viewed for obvious deterioration / obsolescence or other identifiable adverse conditions. It should be noted that the appraiser is not an expert in mechanical, structural, environmental or electrical systems . Such conditions outside of the expertise of the appraiser may require the expertise of qualified experts in the fields of electrical and/or mechanical contracting, licensed builders, home inspectors, structural engineers, basement contractors, licensed roofers or environmental experts to ascertain a more accurate account of the condition of their respective systems. The appraiser notes that this is a summary report and additional information is contained in the appraiser's work file. The function of this summary report is to assist the client in evaluating the subject property for market value purposes. This account supplements the scope of work section on page 4 of this form. Gramm, Leach, Bliley privacy disclosure: Double J Appraisals LLC., collects nonpublic personal information about the applicant from information we receive from the applicant and information we receive either from the client or applicant on application or other forms, verbally and information about the clients and/or applicants transactions with us and/or our affiliates. Double J Appraisals LLC., restricts access to nonpublic personal information about the applicant to those employees who need to know that information to provide products or services to the applicant. We maintain physical, electronic and procedural safeguards that comply with federal regulations to guard the applicant's nonpublic personal information. We do not disclose any nonpublic personal information about our customers or former customers to anyone, except as noted above, and as permitted by law. . The intended user of this appraisal report is the Client as noted on page 1 The intended Use is to evaluate the property that is the subject of this appraisal for market value purposes subject to the stated Scope of work, purpose of the appraisal, reporting requirements of this appraisal form, and Definition of Market Value. No additional Intended Users are identified by the appraiser. In Michigan, Appraisers are required to be Licensed or Certified and are regulated by the Michigan Department of Licensing and Regulatory Affairs PO Box 30670 Lansing MI 48909. Per USPAP Standards Rule 2-1: *I assume that the property's title is good and marketable, and will render no opinions about the quality of the title. *I assume there are no hidden or unapparent conditions of the soil or subsoil that would render it more or less valuable. Agent data is verified with all assessors, MLS disclamer is that data is not guaranteed, therefore the appraiser uses assessor data as mls data is not verified or guaranteed. Home inspector: The appraiser is neither a home inspector nor a licensed contractor, specializing in any construction or mechanical systems of any kind. This included but is not limited to all mechanical systems inside and outside of the home (pools, spas, porches, decks, patios, fencing, all outbuildings, central air, furnaces, water heaters, appliances, plumbing, electrical, foundations, roofing etc.) This appraisal is NOT in any way or form a home inspection report. The appraiser only performed a walk through and a walk around visually observing readily visible and accessible areas. This appraisal can not be relied upon to disclose any conditions and/or defects in the subject property. In addition the appraiser does not guarantee functionality or condition of any utilities, appliances, HVAC or any other mechanical systems in or on the property, The appraiser is not a structural engineer and will not and can not be held liable for any unknown or unseen structural problems with the subject property (home, basement, outbuildings etc) If the structure is in question then a structural engineer should be consulted to assess and determine any/all required repairs. Environmental Comments: No readily apparent adverse environmental conditions were observed and it is assumed none exist. If any discovered, the value estimate would likely require modification. The appraiser has made no special effort to FHA/VA Case No. Page # 10 Supplemental Addendum Form TADD - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 5054IND Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii Borrower Lender/Client Property Address City County State Zip Code File No.
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discover any adverse environmental conditions and accepts no responsibility for such discovery. Sketch: The supplied sketch is not an architectural rendering of the subject and is not to be considered as such, the appraiser is not a license architect. The gross living area stated in this report may or may not agree with the local assessors office, mls data, or the builder of the subject or the comparable sales. The appraiser relies on assessment data for all of the information contained within this assignment, as well as some data from within the mls systems. Additionally the appraiser relies on third party data for all comparables used in this report (assessment data, Realist, Register of Deeds, Multiple listing data, agents. The appraiser makes every attempt to verify this data, however in the event that this data is found to be inaccurate the appraiser reserves the right to amend such data, this may also have an impact on the appraisers opinion or conclusions. Comparable data: year built, site size, GLA, bedroom count, bathroom count, basement area, and amenities ( garage, etc). Appraiser relies on assessment data for all of the information contained within this assignment, as well as data from within the mls systems. Highest and Best Use:The subject as improved is a legally permissible use based on its current zoning. The lot size, shape, physical condition and land to building ratio allow the present structure and indicate a good utilizations of the improvements. Based on current market conditions the present use and structure as a single family residence is its financially feasible and maximally productive use. Economic Factors: While the appraiser has researched current market trends and economic factors, the appraiser is not an economist and cannot make judgments or predictions as to future market conditions. Data contained within the report is based on historical data and is only intended to help the client in evaluating a subject property within the context of that historical data. The appraiser strongly urges the client to research other economic factors, indicators and market sectors to determine current and future economic conditions. Should the real estate market, stock market, or other economic sector experience recessionary, inflationary, market resistance, or other pressures, it could significantly lengthen marketing time, and/or impact the subject's value in a negative manner. In such a case, the appraiser reserves the right to adjust his/her value and marketing opinion.Recent shifts in economic indicators-such as changes in interest rates, inflationary trends, and consumer sentiment-may signal a transition point in overall market conditions. However, at the time of this analysis, sufficient verifiable local market data reflecting the potential impact of these broader trends is not yet available. The appraisal reflects market conditions as of the effective date of value. Environmental Comments: No readily apparent adverse environmental conditions were observed and it is assumed none exist. If any discovered, the value estimate would likely require modification. The appraiser has made no special effort to discover any adverse environmental conditions and accepts no responsibility for such discovery. Disclaimer: Appraiser is not responsible for testing the flow, volume, and or quality of the water, the appraiser also makes no guarantee as to the condition of the well. Additionally the appraiser is not an expert or received any training in but not limited to: Asbestos, unknown substances, underground tanks (if applicable), air, soil or water contamination, or any other substance or material that may be hidden from view (above or below ground) at the time of inspection Radon--this is a cancer causing gas this is not tested for by the appraiser and is the responsibility of the owner and or holder of the real estate note to determine if the property has this gas (testing) as well as responsible for all treatment for this gas, the appraiser is not responsible for testing, treatment or liability if any such gas is detected on subject property. The appraiser is not a surveyor or trained in survey work, it is assumed that the subject meets all zoning and building requirements allowed by the county and municipalities in which the subject is located. No survey of any kind was provided to the appraiser and all data on the subject is taken from municipality data. Any and all responsibility for compliance with zoning and building requirements fall on the owner of the subject property as well as the note holder of the subject property. The appraiser utilized data provided from public record only The appraiser is not a structural engineer and will not and can not be held liable for any unknown or unseen structural problems with the subject property (home, basement, outbuildings etc) If the structure is in question then a structural engineer should be consulted to assess and determine any/all required repairs. Ratterman method of square footage adjustments utilized in report. Appraiser used Spark and Synapse with all appraisal assignments as well as Marshall Swift, Dwellworks, local builders data FHA/VA Case No. Page # 11 Supplemental Addendum Form TADD - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 5054IND Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii Borrower Lender/Client Property Address City County State Zip Code File No.
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EXTRAORDINARY ASSUMPTION” --appraiser viewed interior and exterior of the home, however did not view the attic, test any mechanicals, plumbing, electrical, etc. The appraiser assumes that these items are functional and within working order. If at a later point it is determined that these area are not in good condition and in working order then the appraiser reserves the right to amend the report. Basement adjustments are based on the square footage. This also includes the type of finish to each comparable in relation to the subject. Again the appraiser relies on realtor provided data and mls photos as the type of finish. Which could include: finished to the same quality as the main living areas as well as low quality finish, as well as the types of rooms that the basement contains (recreational rooms, bedrooms, full and half bath, theater rooms, etc). Adjustments based on total square footage not room count or bedroom count, due to the lack of creditable market data to support an adjustment for bedroom count. Amenities (porch,deck, patio, garage, fireplace, wood stoves, outbuildings, HVAC, fencing etc)adjustments based on market data and analysis, Marshall and Swift cost data, assessment data and the appraisers adjustments data file. Data and values taken from the above data sources. Actual age shown on grid, with adjustments based on year built Note: adjustments on the grid are based on market data and analysis as well as assessment data and the appraisers adjustments file/s. This includes-site,location,view, condition, basement and all amenities. Adjustment are based on market data and analysis over a period of 2 years from within the subjects market area and based on realtor provided mls data. The appraiser also takes into consideration assessing data for values of outbuildings and other amenities in the area. Site adjustments based on market data per acre, as well as assessment data and recent vacant land sales data. Site adjustments are based on the differences of lot size between the subject and the sales and assessment data. Adjustments applied are based on the contributory value of the added land, not the actual cost. Time adjustment: due to the lack of data to support a time adjustment on comparables, no adjustments required. Due to the lack of data to support an adjustment for the lack of a porch/deck/patio on some of the comparables the appraiser did not make an adjustment for these amenities. These items are not always disclosed on the mls and with the snow pictures on the mls it is impossible to determine all amenities. EXTRAORDINARY ASSUMPTION” --appraiser viewed interior and exterior of the home, however did not view the attic, test any mechanicals, plumbing, electrical, etc. The appraiser assumes that these items are functional and within working order. If at a later point it is determined that these area are not in good condition and in working order then the appraiser reserves the right to amend the report. Adjustment value of zero in the sales comparison grid indicate that the appraiser considered an adjustment, however after consideration, determined the difference to be so minimal that it is not recognized by the market. Therefore no adjustment was made. FHA/VA Case No. Page # 12 Supplemental Addendum Form TADD - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE 5054IND Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii Borrower Lender/Client Property Address City County State Zip Code File No.
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FHA/VA Case No. Form PIC3x5.SR - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Subject Photo Page Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii Subject Front Sales Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location View Site Quality Age 496 Miller Lake Rd 1,620 6 3 2.0 Residential Residential 10.00 ac Vinyl 1 Subject Rear Subject Street Borrower Lender/Client Property Address City County State Zip Code
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FHA/VA Case No. Page # 13 Form PICSIX2 - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Photograph Addendum Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii Across Street Behind Garage Bath Living Borrower Lender/Client Property Address City County State Zip Code
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FHA/VA Case No. Page # 14 Form GPIC3X5 - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Photograph Addendum Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii Kitchen Bath/Laundry Bedroom Borrower Lender/Client Property Address City County State Zip Code
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FHA/VA Case No. Page # 15 Form PIC3x5.CR - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Comparable Photo Page Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii Comparable 1 Prox. to Subject Sales Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location View Site Quality Age 6580 Gleaner Hall Rd 4.99 miles NE 349,900 1,726 6 3 2.0 Residential Residential 4.08 ac Vinyl 2 Comparable 2 Prox. to Subject Sales Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location View Site Quality Age 1438 Debi Ann Dr 5.04 miles SW 355,000 1,279 6 3 2.0 Residential Residential 1.46 ac Vinyl 1 Comparable 3 Prox. to Subject Sales Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location View Site Quality Age 509 Miller Lake Rd 0.13 miles SW 360,000 2,172 8 4 2.0 Residential Residential 10.00 ac Vinyl 23 Borrower Lender/Client Property Address City County State Zip Code
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FHA/VA Case No. Page # 16 Form PICPIX.CR - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Comparable Photo Page Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii Comparable 4 Prox. to Subject Sale Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location View Site Quality Age 2920 Oak Grove Rd 4.64 miles E 330,000 1,908 6 3 2.1 Residential Residential 4.01 ac Vinyl 28 Comparable 5 Prox. to Subject Sale Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location View Site Quality Age 2168 Gravel Creek Rd 3.27 miles E 379,000 1,668 6 3 2.0 Residential Residential 4.01 ac Vinyl/Stone 28 Comparable 6 Prox. to Subject Sale Price Gross Living Area Total Rooms Total Bedrooms Total Bathrooms Location View Site Quality Age 73 Dockham Rd 1.26 miles SE 338,000 1,904 8 4 2.0 Residential Residential 6.12 ac Vinyl 24 Borrower Lender/Client Property Address City County State Zip Code
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FHA/VA Case No. Page # 17 Form MAP.LOC - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Aerial Map Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii Borrower Lender/Client Property Address City County State Zip Code
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FHA/VA Case No. Page # 18 Form MAP.LOC - "TOTAL" appraisal software by a la mode, inc. - 1-800-ALAMODE Location Map Raymond Gerald P & Traci Janiceii 496 Miller Lake Rd Columbiaville Lapeer MI 48421 Raymond Gerald P & Traci Janiceii Borrower Lender/Client Property Address City County State Zip Code