By Joseph T Ellington Jr – Licensed Residential Appraiser, Capital Valuations. Updated September 2026.
A document packet for your home appraisal
Before an appraiser visits a home in Virginia Beach or elsewhere in Hampton Roads, gather records that describe the property accurately. This article focuses on the information packet. For access, pets, and what happens during the appointment, use our appraisal visit checklist.
What to include
| Record | What it helps clarify | Keep in mind |
|---|---|---|
| List of improvements with completion dates | Scope and timing of changes | Cost does not equal the change in market value |
| Permits or contractor invoices, if available | Potentially relevant construction details | Appraiser verifies what is material to the assignment |
| Floor plan or prior measurement | Layout and areas worth checking | Do not assume a listing’s square footage is correct |
| HOA and property information | Fees, amenities, and ownership details | Provide current documents, not guesses |
| Known defects and repairs | Present condition and completed work | Be candid about unfinished work |
How to organize the packet
- Put the property address and contact details on the first page.
- Use a dated list of changes, separating repairs from upgrades.
- Attach a few clear photos or documents for features that are difficult to see.
- Flag unusual spaces, additions, or detached structures without assigning your own square-footage category.
- Send documents through the channel specified by the appraiser or lender.
For a lender-ordered appraisal, the lender selects the appraiser and sets the assignment requirements. Fannie Mae’s appraiser independence requirements prohibit directing an appraiser to reach a target value. You may provide factual property details; do not press for a contract price or promise a favorable result.
Why records can matter locally
A waterfront property, historic home, condominium, or house with an addition may require more explanation than a standard listing description provides. Accurately identifying an improvement’s date, quality, and permit status helps the appraiser research the relevant market. A particular neighborhood name does not determine an adjustment by itself.
For broader homeowner advice, see the Appraisal Institute’s preparation guidance. An appraisal is an independent opinion of value; preparation helps the appraiser see accurate facts and does not guarantee a higher conclusion.
Read our distinct guides to property measurement, comparable sales, and pre-listing appraisals. If you are ordering a private appraisal, contact Capital Valuations with your intended use.
