Uniform Residential Appraisal Report Skill

The Uniform Residential Appraisal Report (Appraisal) skill extracts data from US and Canadian uniform residential appraisal reports, which are documents used to provide information about residential real estate and its estimated value. These documents are also required for mortgage loan applications and contain the information such as information about the property and its surrounding area, real estate market data, technical data, property photos, and property blueprints. The Uniform Residential Appraisal Report (Appraisal) skill is a preview skill. It has been trained on a limited set of documents and is designed to help you quickly get started with processing appraisals. For production use, you may need to uptrain the skill with your own document samples.

Countries and Languages

Countries	Languages
USA	English

Extracted Fields

General Information

Field	Description
File Number	The report number/identifier used by the appraiser. This field is repeating on all pages but is extracted only from the first one.

Subject

Field	Description
Property Address	The address of the appraised property.
Property City	The address of the appraised property.
Property State	The address of the appraised property.
Property ZIP	The address of the appraised property.
Borrower	The borrower’s name.
Owner of Public Record	The property owner’s name.
County	The county where the property is located.
Legal Description	The legal description of the property.
Assessor’s Parcel Number	The identifier used to track the property in county, state, and municipal tax records.
Tax Year	The current tax year used by the locale for the reporting period (fiscal or actual).
R.E. Taxes USD	The sum of all real estate taxes for the reporting period (tax year).
Neighborhood Name	The name of the neighborhood where the property is located. This field can also be called Project Name.
Map Reference	The location map reference, page number, and coordinates. Must relate to location maps most commonly used in the locale.
Census Tract	The census tract number assigned by the Census Bureau.
Occupant	The occupancy status at the time of the appraisal (Owner, Tenant, Vacant).
Special Assessments USD	The total dollar amount of the property’s special assessment taxes charged for local infrastructure projects and off-site improvements (e.g., the construction and maintenance of roads or sewage systems).
Property Rights Appraised	Property rights appraised for the property. Possible values: Fee Simple, Leasehold, Other (description included).
Assignment Type	The assignment type. Possible values: Purchase Transaction, Refinance Transaction, Other (description included).
Lender or Client	Information about the lending organization that will receive the report.
Address	Information about the lending organization that will receive the report.

Contract Group

Field	Description
I Did Analyze the Contract	Specifies whether the contract of sale was analyzed or not.
I Did Not Analyze the Contract	Specifies whether the contract of sale was analyzed or not.
Contract Price	The final, agreed upon contract price.
Date of Contract	The date on which the contract is signed by all parties.
Property Seller is Owner of Public Record	Specifies whether the seller is the owner of the public record. Possible values: Yes, No.
Financial Assistance	Specifies whether there is any financial assistance paid by any party on behalf of the borrower. Possible values: Yes, No.
Financial Assistance Total	The total amount of financial assistance paid.

Neighborhood

Neighborhood Characteristics

Field	Description
Location	The type of area surrounding the property. Possible values: Urban, Suburban, Rural.
Built-Up	The approximate percentage of built up land in the surrounding area. Possible values: Over 75%, 25-75%, Under 25%.
Growth	The growth rate of the built-up land in the surrounding area. Possible values: Rapid, Stable, Slow.

One-Unit or Manufactured or Condominium Housing Trends

Field	Description
Property Values	The current property value trend in the surrounding area. Possible values: Rapid, Stable, Slow.
Demand or Supply	The demand/supply trend in the surrounding area. Possible values: Shortage, In Balance, Over Supply.
Marketing Time	The average length of time required for a property in the area to remain on the market before being sold at a price near market value. Possible values: Under 3 mths, 3-6 mths, Over 6 mths.

One-Unit or Manufactured or Condominium Housing

Field	Description
Price USD (000) Low	The lowest property price for the specified area.
Price USD (000) High	The highest property price for the specified area.
Price USD (000) Pred	The predominant property price for the specified area.
Age yrs Low	The age of the oldest residential property for the specified area.
Age yrs High	The age of the newest residential property for the specified area.
Age yrs Pred	The predominant residential property age for the specified area.

Present Land Use %

Field	Description
One-Unit	The percentage of land occupied by single-unit houses.
2-4 Unit	The percentage of land occupied by houses with 2-4 units.
Multi-Family	The percentage of land occupied by multi-unit houses.
Commercial	The percentage of land occupied by commercial buildings.
Other	The percentage of land occupied by other types of buildings.

Site

Field	Description
Dimensions	The dimensions of the property site.
Area	The total area of the property site.
Shape	The approximate shape of the site.
View	A description of the view from the property.
Specific Zoning Classification	The Land Development Code (LDC) land use classification (e.g., R-1, A-2, Res.200, etc.).
Zoning Description	A description of the zoning classification.
Zoning Compliance	Specifies whether the current land use complies with the zoning ordinances. Possible values: Legal, Legal Nonconforming, No Zoning, Illegal, Illegal Describe (including description).
Highest and Best Use Is the Present Use	Specifies whether the current use of the property is its highest and best use. Possible values: Yes, No (including description).

Utilities

Field	Description
Electricity	Specifies the utilities type. Possible values: Public, Other (including description).
Gas	Specifies the utilities type. Possible values: Public, Other (including description).
Water	Specifies the utilities type. Possible values: Public, Other (including description).
Sanitary Sewer	Specifies the utilities type. Possible values: Public, Other (including description).

Off-site Improvements

Field	Description
Street	Describes the street improvements in the area.
Alley	Describes the alley improvements in the area.
FEMA Special Flood Hazard Area	Specifies whether the property is in a FEMA-designated Special Flood Hazard Area (SFHA). Possible values: Yes, No.
FEMA Flood Zone	The FEMA flood zone designation.
FEMA Map Number	The FEMA map number.
FEMA Map Date	The FEMA map date.
Utilities Are Typical for the Market Area	Specifies whether the utilities are typical for the market area. Possible values: Yes, No (including description).
Adverse Site Conditions or External Factors	Specifies whether there are any adverse site conditions or external factors in the area. Possible values: No, Yes (including description).

Improvements

General Description

Field	Description
Units	Specifies whether there is an additional living unit. Possible values: One, One with accessory Unit.
Number of Stories	The number of stories above grade.
Type	Specifies the dwelling type. Possible values: Det, Att, S-Det., End Unit.
Existing	Specifies that the property has already been constructed.
Proposed	Specifies that the property is not under construction yet.
Under Const	Specifies that the property is currently under construction.
Design	A brief description of the property design.
Year Built	The year the property was completed in.
Effective Age (Yrs)	The effective age of the property.

Foundation

A description of the property basement. “Y” specifies that the field is marked, and “N” specifies that it is not.

Field	Description
Concrete Slab	Foundation type indicator
Crawl Space	Foundation type indicator
Full Basement	Foundation type indicator
Partial Basement	Foundation type indicator
Basement Area sq ft	Basement area measurement
Basement Finish %	Percentage of finished basement
Outside Entry or Exit	Access indicator
Sump Pump	Equipment indicator
Evidence of Infestation	Condition indicator
Dampness	Condition indicator
Settlement	Condition indicator

Exterior Description

A description of the property exterior. “Y” specifies that the field is marked, and “N” specifies that it is not.

Field	Description
Foundation Walls	Exterior component
Exterior Walls	Exterior component
Roof Surface	Exterior component
Gutters & Downspouts	Exterior component
Window Type	Exterior component
Storm Sash or Insulated	Exterior feature
Screens	Exterior feature

Interior

A description of the property interior. “Y” specifies that the field is marked, and “N” specifies that it is not.

Field	Description
Floors	Interior component
Walls	Interior component
Trim or Finish	Interior component
Bath Floor	Interior component
Bath Wainscot	Interior component

Attic

A description of the property attic. “Y” specifies that the field is marked, and “N” specifies that it is not.

Field	Description
None	Attic type
Drop Stair	Attic access
Stairs	Attic access
Floor	Attic feature
Scuttle	Attic access
Finished	Attic condition
Heated	Attic feature

Heating

A description of the property’s heating system. “Y” specifies that the field is marked, and “N” specifies that it is not.

Field	Description
FWA	Heating type
HWBB	Heating type
Radiant	Heating type
Other	Heating type
Fuel	Fuel type

Cooling

A description of the property’s cooling system. “Y” specifies that the field is marked, and “N” specifies that it is not.

Field	Description
Central Air Conditioning	Cooling type
Individual	Cooling type
Other	Cooling type

Amenities

A description of the other property amenities. “Y” specifies that the field is marked, and “N” specifies that it is not.

Field	Description
Woodstove(s) Number	Amenity count
Fireplace(s) Number	Amenity count
Fence	Amenity indicator
Patio or Deck	Amenity indicator
Porch	Amenity indicator
Pool	Amenity indicator
Other	Amenity description

Car Storage

A description of the property car storage (garage). “Y” specifies that the field is marked, and “N” specifies that it is not.

Field	Description
None	Storage type
Driveway	Storage type
Driveway Number of Cars	Capacity
Driveway Surface	Surface description
Garage	Storage type
Garage Number of Cars	Capacity
Carport	Storage type
Carport Number of Cars	Capacity
Att	Attachment type
Dett	Attachment type
Built-in	Attachment type

Appliances

A description of the property household appliances. “Y” specifies that the field is marked, and “N” specifies that it is not.

Field	Description
Refrigerator	Appliance indicator
Range or Oven	Appliance indicator
Dishwasher	Appliance indicator
Disposal	Appliance indicator
Microwave	Appliance indicator
Washer or Dryer	Appliance indicator
Other	Appliance description

Finished Area above Grade Contains

Field	Description
Rooms	The total number of above-grade rooms.
Bedrooms	The total number of bedrooms.
Baths	The total number of bathrooms.
Square Feet of Gross Living Area	The total square footage of the GLA above grade.
Physical Deficiencies or Adverse Conditions	Specifies whether there are any physical deficiencies or adverse conditions that affect the property. Possible values: No, Yes (including description).
Property Conform to the Neighborhood	Specifies whether the property generally conforms to the surrounding neighborhood. Possible values: Yes, No (including description).

Key Fields

File Number
Borrower
Tax Year
Contract Price
Date of Contract

Skill Catalog

Documentation Index

​Countries and Languages

​Extracted Fields

​General Information

​Subject

​Contract Group

​Neighborhood

​Neighborhood Characteristics

​One-Unit or Manufactured or Condominium Housing Trends

​One-Unit or Manufactured or Condominium Housing

​Present Land Use %

​Site

​Utilities

​Off-site Improvements

​Improvements

​General Description

​Foundation

​Exterior Description

​Interior

​Attic

​Heating

​Cooling

​Amenities

​Car Storage

​Appliances

​Finished Area above Grade Contains

​Key Fields