Tips On Reading A Home Inspection Report In Baldwin County And Mobile County of Alabama!

When interviewing a home inspector within The Mobile Bay Metro Area, Baldwin County and Mobile County of Alabama, ask the home inspector what type of report format he or she will provide for you. There are many styles of home inspection reports used by property inspectors, including the checklist, the use of computer generated inspection programs and the narrative style.


Some home inspection reports are delivered on site but most may take as long as 4 to 6 delivery days. All of the home inspection report systems have pros and cons.


The most important issue with a home inspection report is the descriptions given for each item or component. A home inspection report which indicates a condition as “Good,” “Fair” or “Poor” without a detailed explanation is vague and can be easily misinterpreted by a reader. An example of a vague condition would be:


Kitchen Sink: Condition – Good, Fair or Poor.


None of these descriptions will give the homeowner enough of a reason for the problem. Does the sink have a cosmetic problem? Does the home have a plumbing problem? A good home inspection report should supply you with enough descriptive information about the home’s condition and its site. An example of a descriptive condition is:


Kitchen Sink: Condition – Minor wear, heavy wear, damaged, rust stains, or chips in enamel finish. The recommendation is sealing the sink around the counter top.


As you can see, this narrative description includes a recommendation for repair. Narrative home inspection reports without recommendations for repairing deficient items may be difficult to comprehend if you have limited knowledge of construction.


You should take the time to carefully read your home inspection report and become very familiar with its comments and recommendations. Your home inspection report should have a legend, key, symbols or icons which will assist in understanding your report. It is much easier to understand the overall condition of a home if a home inspector provides sufficient information. Therefore, interview and carefully choose your home inspector wisely.


At the end of the inspection, your home inspector may provide a summary with a question and answer period. Use this opportunity to ask questions regarding terms or conditions you may lack familiarity. An experienced home inspector should be able to explain confidently with answers to your questions. If for some reason a question cannot be answered at the time of the inspection, the home inspector should research the question and obtain an acceptable answer for you. For instance, if the home inspector’s report states that the concrete foundation has common cracks. Then, consider asking, “Why are they common cracks?” An appropriate answer might be: “Common cracks are usually due to normal concrete curing and or shrinkage.”


Cheney Appraisal Services recommends that you accompany your home inspector through the entire inspection if at all possible. By doing this, it should help you better understand the condition of the home and the details of the inspection report.


Again, read the home inspection report completely and understand the condition of the home you are about to purchase. After all, it is more than likely, one of your largest investments you will ever make!


Below are most of the home inspection companies to assist you within The Mobile Bay Metro Area, Baldwin County and Mobile County of Alabama (Bay Minette, Bayou La Batre, Belle Fountaine, Bon Secour, Calvert, Chickasaw, Chunchula, Citronelle, Daphne, Dauphin Island, Eight Mile, Elberta, Elsanor, Fairhope, Foley, Fort Morgan, Grand Bay, Gulf Shores, Hollingers Island, Irvington, Josephine, Kushla, Lillian, Loxley, Malbis, Magnolia Springs, Marlow, Mauvilla, Miflin, Mobile, Montrose, Mount Vernon, Ono Island, Orange Beach, Oyster Bay, Perdido Beach ,Perdido, Point Clear, Robertsdale, Saraland, Satsuma, Semmes, Silverhill, Spanish Cove, Spanish Fort, Stapleton, Stockton, Summerdale, Theodore, Whistler, Wilmer, Wolf Bay).


Please also check resources, such as, online telephone directories for other home inspection companies. A client, homeowner and or visitor should always interview a home inspector before contracting their services.


http://www.amerispec.com/

http://cartierinspections.com/

http://www.hometeaminspection.com/

http://www.homesouthinspections.com/

http://www.affordable-home-inspections.com/

http://www.nahi.org/al-alabama-home-inspector.asp


Are you looking for Alabama Appraisers, Alabama Certified Appraisers, Alabama FHA Appraisers, Alabama Appraisers Baldwin County, and Alabama Appraisers Mobile County? Then always remember, Al Cheney, Cheney Appraisal Services, “Certified FHA” Appraiser, when ordering home appraisals within Baldwin County and Mobile County, Alabama. Call (251) 533-2424 with your order and questions.


Are you looking for other appraisers in the southeastern part of the United States? Well, Cheney Appraisal Services is continually updating its web site with listings and web links to “Certified FHA” Appraisers in other major cities and towns of Alabama as well as in Arkansas, Florida, Georgia, Louisiana, Mississippi, North Carolina, Oklahoma, South Carolina, Tennessee and Texas.

Alabama Certified FHA Appraisers in Baldwin County, Mobile County and city of Mobile! Al Cheney can assist Appraisal Management Companies and Lenders!

Looking for "Certified FHA" Home Appraisers in Baldwin County and Mobile County of Alabama?

Then look no further than Al Cheney, Cheney Appraisal Services, for "Certified FHA" Residential Appraisals along the Gulf Coast of Alabama.

Al Cheney completes appraisal reports in the city of Mobile as well as Daphne, Fairhope, Montrose, Mullet Point, Point Clear, Spanish Fort (the Eastern Shore), Bay Minette, Chunchula, Creola, Dauphin Island, Loxley, Robertsdale, Saraland, Satsuma, Silverhill, and other small communities within "The Mobile Bay Metro Area."

Al Cheney, License Number ALR00060, is an Alabama "Certified" Residential Real Property Appraiser for the State of Alabama and a FHA Approved Appraiser with over 30 years experience in the local real estate industry.

Are you an owner looking to sell your home in the Mobile, Alabama area? Cheney Appraisal Services offers only a $225 full appraisal report fee within the city limits of Mobile and a $250 fee for all other areas within Baldwin County and Mobile County.

Are you an appraisal management company or lender requiring a "Certified FHA" appraisal report for a client's loan? Cheney Appraisal Services offers special pricing for each "Certified" appraisal report. Please call 1-251-533-2424 and let's discuss arrangements.

Al Cheney will give you a specially designed and targeted appraisal report with a derived value opinion estimate, value range estimate, and or other necessary marketing information to assist you with your appraisal report requirements. Order your "Certified," specialized, and professional appraisal report today. Call Al Cheney and let's talk about your appraisal assignment!

Please also visit Al Cheney's other growing websites over the coming months and years to come, http://www.CertifiedAppraiserNames.com/, http://www.CheneyAppraisalServices.com/, http://www.RealtyLeaders.biz/, http://www.MobileAlabamaFHARealEstateAppraisers.com/, and http://www.RealtyAgentPros.com/.

Are you ready to order your city of Mobile, Alabama, Baldwin County or Mobile County appraisal assignment? Then, please send assignments by email to Albert@CheneyAppraisalServices.com or AlbertCheney@Comcast.net with your assignment (attaching an order as pdf is recommended) and any comments, suggestions and questions! If you need to facsimile the appraisal assignment, then use 1-251-252-7737 for sending appraisal orders.

The mailing addresses for Cheney Appraisal Services are Post Office Box 7907, Spanish Fort, Alabama 36577-7907 or Post Office Box 8888, Mobile, Alabama 36689-0888.

Historic Mobile is always filled with adventures and events each week of each year. Walk around downtown Mobile or take a walking tour of the historic homes and feel the presence of the past—Mobile’s history and its people.

Also, consider the following November events
in the downtown area of historic Mobile.

The “Greek Fest” is from the 5th to the 7th of November, 2009 and experience the sights and sounds of a “Holiday in Greece!” The event is located at the Annunciation Greek Orthodox Church on Ann Street between Dauphin Street and Government Street. A delicious “Taste of Greece” with entertainment on the grounds of the Hellenic Center next to the church always has many people enjoying live Greek dancing and music. There will be an abundance of wonderful traditional food, such as, roast lamb, Grecian chicken, dolmathes, pastichio, spanakopita. For more information visit this site, http://www.GreekFestMobile.org/, or call (251) 438-9888.

The “Lighting of the Trees” celebration will be held on Friday, 20th November 2009, in downtown Mobile’s Bienville Square beginning at 5pm. Join Santa as the holiday season is kicked off! There will be holiday sights and sounds to amaze. Between the Holiday Gift & Farmers Market, festive children's activities, carolers and crafts, and other local entertainment all evening, there is sure to be something for children of every age. For more information visit this site, http://www.NCSMobile.org, or call (251) 208-7540.

A world of entertainment awaits you at the annual “Mobile International Festival” at the Mobile Civic Center Main Arena on Saturday, 21st November 2009, from 10:00 am to 5:00 pm! The Gulf Coast’s premier international cultural event is celebrating 25 years of exciting family fun. Enjoy the adventure of firsthand experience of varied cultures. See the arts and crafts, hear the sounds, be entertained, participate in children's activities and taste the flavors of the world. For more information, please visit this site, http://www.MobileInternationalFestival.org, or call (251)470-7730.

Looking for city of Mobile “Certified” Home Appraisers in historic downtown?
Then look no further than Al Cheney, Cheney Appraisal Services, for “Certified” Residential Appraisals and FHA Appraisals in the historic areas of downtown and midtown areas.

Al Cheney also covers other outlying areas of
Mobile County, Baldwin County, and the Eastern Shore
(Daphne, Fairhope, Montrose, Mullet Point, Point Clear, Spanish Fort).
Al Cheney is an Alabama “Certified” Residential Real Property Appraiser
for the State of Alabama and a FHA Approved Appraiser,
with over 30 years of real estate experience.

Are you an owner looking to sell your home in historic Mobile? Cheney Appraisal Services offers only a $225 full appraisal report fee within the city limits of Mobile and a $250 fee for all other areas within Baldwin County and Mobile County.

Al Cheney will give you a specially designed and targeted appraisal report with a derived value opinion estimate, value range estimate, and other necessary marketing information to assist you in selling your home. If you are unsure of what asking price to offer, then isn’t having a “Certified,” specialized, professional appraisal report your answer for a more
targeted marketing strategy and a quicker sale of your home?
Call and talk to Al Cheney today!

Please visit these web sites, http://www.CheneyAppraisalServices.com, http://www.MobileAlabamaFHARealEstateAppraisers.com, and http://www.RealtyLeaders.biz for more information on fees, services,
Mobile’s history and real estate, and the Mobile Bay Metro Area,
Baldwin County and Mobile County of Alabama.
Call Al Cheney at (251) 533-2424 with any additional questions.

Are you ready to order your city of Mobile, Alabama appraisal assignment?
Then, please click this web site link, https://cheneyappraisalservices.appraiserxsites.com/iFrame.aspx?FileName=client.x&ReferrerGUID=d4142893-75d8-4681-997d-eaa83d48b8cb#top, an online ordering system for your convenience. You may also send your city of Mobile
appraisal assignment order by facsimile, (251) 252-7737.

The mailing address is Cheney Appraisal Services,Post Office Box 7907, Spanish Fort, Alabama 36577-7907.

"It Could Be Raining Economic Projects' Money In The City Of Mobile And Around The Mobile Bay Metro Area!" Comments And Opinions By Al Cheney

The city of Mobile and the other communities within the Mobile Bay Metro Area (Baldwin County, Mobile County, Alabama) have the opportunity to capture many more economic projects if, as area businesses and residents, we continue to stand together "as one!"

We must all participate in the promotion of our area, whether it's in a small way or a big way. You can contribute with only a smile to a weary traveler visiting our area (they might be moving here or relocating their business) or keeping the trash picked up around your home. Landscaping, mowing the lawn, or volunteering to assist with your educational talents are certainly other ways to place your positive mark upon our metropolitan bay area.

Also, even more small and large businesses should consider banding together, promoting our area through worthwhile local civic, economic and marketing projects. It is through these ongoing positive efforts and promotional projects which will continue to keep us progressive, in contention for even more economic opportunities and, certainly, noticed by outsiders looking in. These outsiders just might want to jump right in with us, so they can also experience the economic flurry of opportunities. Our local assets and opportunities to compete surround each of us every day. So open your eyes widely, see the possibilities and potential, and the next time you look into a mirror, realize that you are looking at one of our greatest assets!

It could be raining economic projects' money in the Mobile Bay Metro Area, so here are some recent newsworthy articles (links below) for your reading. Let these articles stoke your embers of creativity and professionalism, and turn them into your flames of positive ideas and possibilities!

http://blog.al.com/live/2009/10/forbes_columnist_gives_mobile.html

http://www.nytimes.com/2009/10/28/realestate/commercial/28alabama.html?_r=2&ref=business

http://www.baldwincountynow.com/articles/2009/10/29/local_news/doc4ae87e66ae3dc680435966.txt

http://www.wkrg.com/alabama/article/auto-plant-in-bay-minette/379896/Sep-24-2009_1-48-pm/

http://www.wkrg.com/alabama/article/big-economic-honor-for-mobile1/100846/Jun-12-2009_8-50-pm/

Please send me your comments, opinions and suggestions.

____________________________________

Al Cheney is a native of southern Alabama and a graduate from the College of Business and Management Studies, University of South Alabama. Al Cheney has maintained an active real estate broker's license for thirty-six years and president of his company, Realty Leaders Corporation. Of course, most people know Al Cheney as a Certified Residential Real Property Appraiser and FHA Approved Appraiser with over 30 years experience. Al Cheney also has past experiences and professional involvement with advertising, graphics, photography, marketing and writing.

"Two Economic Projects Which Will Promote Growth For Bay Minette, Alabama And The Mobile Bay Metro Area!"

Bay Minette, Alabama may capture two large economic projects benefiting the town as well as the Mobile Bay Metro Area.

Earlier in October, HK Motors indicated its strong interest in wanting to build an automobile plant in the northern part of Bay Minette.

Now, an economic project in the aerospace industry has set its sights on Bay Minette. The announcement will be on Monday, 26th October, according to news sources.
______________________________________________________

Looking for Bay Minette, AL Home Appraisers? Then, look no further than
Cheney Appraisal Services for all “Certified” Home Appraisals in Bay Minette.
Al Cheney also covers all of the Eastern Shore
(Daphne, Fairhope, Montrose, Mullet Point, Point Clear, Spanish Fort)
as well as other areas within Baldwin County, Alabama.
Al Cheney is an Alabama “Certified” Residential Real Property Appraiser,
FHA Approved Appraiser, with over 30 years of real estate experience.

Are you an owner looking to sell your home? Cheney Appraisal Services offers only a $225 full appraisal report fee within the city limits of Mobile and a $250 fee for all other areas within Baldwin County and Mobile County. Al Cheney will give you a specially designed appraisal report with a derived value opinion estimate, value range estimate, and other necessary marketing information to assist you in selling your home. Are you unsure about what sale price to offer? Then isn’t having a “Certified,” specialized, professional appraisal report your answer for a more targeted marketing strategy and a quicker sale of your home?
Call and talk to Al Cheney today!

Please visit these web sites, http://www.CheneyAppraisalServices.com, http://www.MobileAlabamaFHARealEstateAppraisers.com, and http://www.RealtyLeaders.biz for more information on fees, services,
Bay Minette real estate, and the Mobile Bay Metro Area,
Baldwin County and Mobile County of Alabama.
Call Al Cheney at (251) 533-2424 with any additional questions.

Are you ready to order your Bay Minette appraisal assignment?
Please click this web site link, https://cheneyappraisalservices.appraiserxsites.com/iFrame.aspx?FileName=client.x&ReferrerGUID=d4142893-75d8-4681-997d-eaa83d48b8cb#top, an online ordering system for your convenience. You may also send your Bay Minette appraisal assignment order by facsimile, (251) 252-7737.

The mailing address is Cheney Appraisal Services, Post Office Box 7907, Spanish Fort, Alabama 36577-7907.
Alabama Appraisers, Alabama Certified Appraisers, Alabama FHA Appraisers, Alabama Appraisers Baldwin County, Alabama Appraisers Mobile County, Appraisers in Mobile Alabama, Appraisers in Spanish Fort Alabama, FHA Alabama Appraisers, FHA Approved Appraisers Alabama, FHA Certified Appraisers Alabama, FHA Certified Appraisers Bay Minette Alabama, FHA Certified Appraisers Daphne Alabama, FHA Certified Appraisers Fairhope Alabama, FHA Certified Appraisers Gulf Shores Alabama, FHA Certified Appraisers Loxley Alabama, FHA Certified Appraisers Mount Vernon Alabama, FHA Certified Appraisers Robertsdale Alabama, FHA Certified Appraisers Saraland Alabama, FHA Certified Appraisers Satsuma Alabama, Attorneys, Certified Public Accountants and Business Consultants, Certified Public Accountants, Estate Appraisals, Settling Estates, Certified Public Accountants Mobile AL, Certified Public Accountants Daphne AL, Certified Public Accountants Fairhope AL, Certified Public Accountants Spanish Fort AL, Certified Public Accountants Saraland AL, Certified Public Accountants Satsuma AL, Certified Public Accountants Theodore AL

Are You Wanting To Live Near Fairhope, Alabama? Appraisers In The Fairhope Area Say, Look At "Stone Creek" As A Possible Place To Live!

The Stone Creek Subdivision is located along the east side of Alabama State Highway 181, approximately 2 miles south of Fairhope Avenue, and about 4 miles East Southeast from the town center of historical Fairhope, Alabama.

Stone Creek, Phase 1, Subdivision was developed on around 330 acres, formerly a hunting preserve. This first phase has 78 lots per record with about 18 common area & green belt parcels.

The developer’s concept is a village community with a lodge, rock water features, stocked lakes, swimming pool, tennis courts, village shopping center, walking trails and a wetland preserve.

The majority of the homes will range from 2,400+- square feet to 4,500+- square feet with primarily four bedrooms and three to four bathrooms. There are only a couple of homes having three bedrooms and one home having six bedrooms according to the online records.

The Average List Price is around $443,462 for the month of October 2009, down $54,624+- when compared to July 2009 having an Average List Price of $498,086.

The Average Sale Price is around $485,583 for the month of October 2009, down only $1,384+- when compared to July 2009 having an Average Sale Price of $486,967.

The Listing Price To Sales Price Ratio is now approximately 90.986% for the month of October 2009. The month of July 2009 the ratio was 98.02%.

The REALTOR online records indicates the Lowest Price Listing is now $381,500 for the month of October 2009 (July 2009 was $369,900.). The Highest Price Listing is now $573,500 (July 2009 was $795,000.).

The Stone Creek "Months Of Housing Supply" calculates to be around 11.94 months for the list to sale time period. Although, Stone Creek appears to have more stable property values when reviewing the calculated inventory analysis for the subdivision.

The above information was obtained from the Baldwin County Association of REALTORS, Albert M. Cheney, Certified & Approved FHA Appraiser, (251) 533-2424, is an associate member of this REALTORS’ organization. (Appraisers Daphne, Fairhope, Spanish Fort, Alabama)

“Mobile County, Alabama 3rd Quarter Real Estate Activity Statistics,” Provided By Al Cheney, Certified FHA Real Estate Appraisers

The third quarter, 1st July 2009 to 30th September 2009, indicates at least 984 sales within Mobile County, Alabama according to online REALTOR information records. The 984 sales include condominiums & townhouses, manufactured homes, new construction homes and single family older homes.


The approximate 27 condominiums & townhouses had an average sale price of $162,727. The approximate 18 manufactured homes had an average sale price of $40,503. The approximate 131 new construction homes had an average sale price of $182,797. The approximate 808 single family older homes had an average sale price of $137,420.


The average days on market (dom) for the third quarter was around 81 days and the average sale price per square foot was $77.33+-.


The third quarter indicates more new construction in west Mobile, south of the Mobile Regional Airport, and in Semmes, Alabama when compared to other areas of Mobile County. Most of the single family residential or home sales occurred in the areas north and south of Cottage Hill Road, west Mobile, Semmes and in the Midtown area near downtown historic Mobile, Alabama.


The average sold terms for the third quarter was CASH (24.9%), CONVENTIONAL (24.83%), FHA (41.07%), VA (6.17%) and OTHER-ASSUMPTION, AUCTION, VENDOR LIENS (3.03%).

Call Al Cheney at (251) 533-2424 for more information about Baldwin County and Mobile County of Alabama or write to Cheney Appraisal Services, Post Office Box 7907, Spanish Fort, Alabama 36577-7907 or visit these web sites, http://www.CheneyAppraisalServices.com, http://www.MobileAlabamaFHARealEstateAppraisers.com and http://www.RealtyLeaders.biz for even more information, periodically updated to assist you!

"New Home Sales May Climb 30% in 2010, Goldman Says." This article provided by Al Cheney, Alabama Certified Residential Real Property Appraiser.

By John Gittelsohn

Sept. 24 (Bloomberg) -- New U.S. home sales may jump 30 percent next year, buoyed by low mortgage rates and a “greater than 50 percent probability” that Congress will extend a tax credit for first-time buyers, Goldman Sachs Group Inc. said.
New home sales in California will lead as property values rise and transactions climb to more than 525,000 nationally, analysts led by Joshua Pollard wrote in a note to investors. The firm raised its recommendation for D.R. Horton Inc., Meritage Homes Corp., Toll Brothers Inc. and M.D.C. Holdings Inc.
“Phrases like ‘the worst is well behind us’ and ‘things remain encouraging’ capture the mood of many constituents we met with on residential real estate,” Pollard said after visiting California. “The mood was much more negative on commercial real estate.”
The Mortgage Bankers Association’s index of applications to purchase or refinance a home rose 13 percent in the week ended Sept. 18. Sales of single-family new homes in July were on pace to be 433,000 this year after declining for three years, the Department of Commerce reported Aug. 26. Builders sold a record 1.28 million properties in 2005, the peak of the U.S. housing boom.
The Goldman Sachs forecast is based on the assumption Congress will extend or amend an $8,000 tax credit for first- time homebuyers that was instituted to rescue the housing market from free-fall. The credit is scheduled to expire Nov. 30.
No ‘Double-Dip’
“We give a greater than 50 percent probability of a federal tax credit extension which should allay fears of a ‘double dip’ in housing,” Pollard wrote.
Pollard added Scottsdale, Arizona-based Meritage to his “buy/attractive” list. He also rates Fort Worth-based D.R. Horton, Denver-based M.D.C. and Horsham, Pennsylvania-based Toll Brothers as “buy/attractive.
Ryland Group Inc., Hovnanian Enterprises Inc., and NVR Inc., were raised to “neutral/attractive” from “neutral.”
Meritage rose $1.29, or 6.4 percent, to $21.44 in New York Stock Exchange composite trading at 4:03 p.m. Horton fell 52 cents, or 4.2 percent, to $11.93; Toll dropped 47 cents, or 2.3 percent, to $20.21; and M.D.C. declined 96 cents, 2.6 percent to $35.62.
The 12-member Standard and Poor’s Supercomposite Homebuilding Index fell 2.8 percent. It’s up 29 percent year- to-date.
To contact the reporter on this story: John Gittelsohn in New York at johngitt@bloomberg.net.
*********************
Mobile, Alabama and the area communities of Daphne, Fairhope and Spanish Fort should have some similar good signs of improvement as we get into the second and third quarters of 2010, in the opinion of this Certified Residential Real Property Appraiser, Al Cheney, Mobile, Alabama.
Go to http://www.MobileAlabamaFHARealEstateAppraisers.com for articles, comments, opinions and other periodic information.

SETTLING ESTATES HAVING REAL PROPERTY IN BALDWIN COUNTY AND MOBILE COUNTY OF ALABAMA AND THE IMPORTANCE OF APPRAISAL REPORTS

To quote an old saying, “You can’t take it with you!” Since this fact is true, a person should always consider having a Will, a Last Will and Testament, in order to lessen the complications in settling the estate for their bereaving family.

A person’s death has an affect on their family emotionally and financially as well as with any unforeseen future personal or legal issues when settling the estate. Having a Will allows the decedent, deceased person, to efficiently outline their wishes in detail and properly distributes the estate, personal property and any real property owned, at the time of their death.

Therefore, settling an estate efficiently is important and, in some cases, can be very stressful depending on its complexity and the number of heirs. As an executor, or personal representative, you have been entrusted in carrying out the decedent’s wishes as exactly outlined within the Will and as quickly as possible.

When it comes to settling an estate with real property, Al Cheney, Cheney Appraisal Services, can provide a “Certified,” detailed and timely appraisal opinion report while, at the same time, understanding the family’s bereavement and any sensitive issues associated with the decedent’s Will.

As for accountants and attorneys, they can rely on Al Cheney’s knowledge, over 30 years, in the real estate industry of the Mobile Bay Metro Area. Al Cheney always has a primary goal of providing detailed estate appraisal reports with reliable and supported derived value opinion conclusions (Fair Market Value estimates). As an Alabama Certified Residential Real Property Appraiser, Al Cheney, provides professional appraisal opinion reports which gives accountants, attorneys, and personal representatives solid facts and figures, in order to fulfill IRS and the State of Alabama requirements as well as the courts within Baldwin or Mobile County and any other local agencies.

Additionally, the date of death often differs from the date of the requested appraisal assignment. Al Cheney is familiar with the procedures and requirements necessary to perform a retroactive appraisal assignment with an effective date and a Fair Market Value opinion estimate as of the date of death.

Furthermore, contracting an appraisal assignment with Al Cheney is a fiduciary relationship ensuring the fullest degree of discretion, confidentiality binding, as outlined within the Uniform Standards of Professional Appraisal Practice (USPAP) under the ethics provision.

In conclusion, many times, people do not fully appreciate their need in having detailed real estate appraisal opinion reports which supports the facts and figures. Settling an estate efficiently, properly and timely are paramount when completing and submitting the necessary documents, including all real property appraisal reports, to the IRS, Baldwin or Mobile County courts, and other revenue authorities. Having “Certified,” detailed and professional appraisal opinion reports with supporting local marketplace information demonstrates credence and should facilitate the legal process when settling estates. Al Cheney, Cheney Appraisal Services, is ready to assist accountants, attorneys and individuals requiring estate appraisal value opinion reports!

________________________________________

Albert Marshall Cheney, Cheney Appraisal Services, Mobile, Alabama,

is ready to assist you with all your estate appraisal report requirements!

Call (251) 533-2424 today!

If you require additional estate research material, Al Cheney has provided these web links for further consideration:

http://www.alabamaprobatelawyers.com/news.cfm/Article/19691/You-Cant-Take-It-With-You.html

http://www.expertlaw.com/forums/archive/index.php/f-38.html

http://law.onecle.com/alabama/wills-and-decedents-estates/chapter2.html

http://www.legislature.state.al.us/CodeofAlabama/1975/coatoc.htm

"Spanish Fort, Alabama Is On The Move According to Certified Residential FHA Appraisers!"

Spanish Fort, Alabama continues to grow with new residential developments while maintaining its historic Southern charm. Its local people bustle from place to place, store to store, and eager to share a story, or two.


Spanish Fort is growing towards future prominence as "the major" town within Baldwin County, part of the Eastern Shore, and located only minutes from downtown Mobile by traveling west on I-10, across the "Bay-Way."


Spanish Fort has several newer residential developments, such as, "Garrison Ridge," about two years old. Most of the homes within "Garrison Ridge" have gross living areas between 3,213 square feet and 3,703 square feet, three bathrooms and four bedrooms according to online records. Building lots within this development will primarily range from $62,500 to $69,900.


"Garrison Ridge" is located about 1/2 mile north of U. S. Highway 31 and along the western side of Highway 225, near Spanish Fort's town center. "Garrison Ridge" sits on an area which once was the center of the Union lines during the Battle of Spanish Fort and one of the final battles of the American Civil War in the Spring of 1865. Before the development could begin, a team of archaeologists from the University of South Alabama spent time salvaging for information from the 57+- acre site.


The Certified Residential FHA Appraisers within Baldwin County also suggest checking into these other Spanish Fort subdivisions: Bromley Oaks, Cambron, Churchill, Delta Woods, The Hammock At Blakeley, Saluda Ridge, Spanish Fort Estates, Stillwater, Stonebrook, Tanager, Westminster Gates, Whisper Woods, and Wilkins Creek Estates.


If you require more information about Certified Residential and FHA Appraisal Reports within Spanish Fort and other communities (Daphne, Fairhope, Malbis, Montrose, Point Clear, etc.) within Baldwin County, Alabama, please contact Al Cheney at (251) 533-2424 or write to Cheney Appraisal Services, Post Office Box 7907, Spanish Fort, Alabama 36577-7907.


Also, click on this web site link, http://www.MobileAlabamaFHARealEstateAppraisers.com, for other articles and informative topics about our Mobile Bay Metro Area.

Certified And FHA Appraisers Want You To Know About The Baldwin County Home Builders Association's 20th Annual Parade Of Homes!

Baldwin County
Home Builders Association,
20th Annual Parade of Homes

The 2009 Parade of Homes will take place September 19, 20 and September 26, 27. Homes will be open to the public from 10 a.m. to 5 p.m. An optional $2 donation can be made at the Showcase Homes to benefit local housing charities. Admission to all other homes is free.

There are 41 homes within the 2009 Parade of Homes. These homes are located in the following Baldwin County towns and subdivisions:

Arbor Ridge, Lillian, Alabama 36549
Arlington Farms, Fairhope, Alabama 36532
Ashford Park, Foley, Alabama 36535
Aspen Creek, Foley, Alabama 36535
Austin Park, Daphne, Alabama 36526
Avalon, Daphne, Alabama 36526
Beau Chene Estates, Loxley, Alabama
Bellaton, Daphne, Alabama 36526
Cambridge Park (Phase II), Foley, Alabama 36526
Edington Place, Fairhope, Alabama 36532
Fairfield Pointe, Fairhope, Alabama 36532
Fruit & Nut District, Fairhope, Alabama 36532
Greythorne Estates, Fairhope, Alabama 36532
Huntington Woods, Fairhope, Alabama 36532
Idlewild, Fairhope, Alabama 36532
Landsdown, Daphne, Alabama 36526
Madison Place, Daphne, Alabama 36526
Meadow Run Estates, Gulf Shores, Alabama 36542
The Meadows At Point Clear, Fairhope, Alabama 36532
Oldfield, Fairhope, Alabama 36532
Ottawa Springs, Daphne, Alabama 36532
Palmer Place, Robertsdale, Alabama 36567
Parish Lakes, Gulf Shores, Alabama 36542
Pebble Creek, Gulf Shores, Alabama 36542
The Peninsula Golf & Racquet, Gulf Shores, Alabama 36542
Quail Creek Estates, Fairhope, Alabama 36532
Rolling Meadows, Daphne, Alabama 36526
Sandy Ford, Fairhope, Alabama 36532
Sehoy (Phase IV), Daphne, Alabama 36526
Shadyfield Estates, Summerdale, Alabama 36580
Sonora Place, Foley, Alabama 36535
Stone Creek, Fairhope, Alabama 36532
The Waters At Fairhope, Fairhope, Alabama 36532
Whisper Woods, Spanish Fort, Alabama 36527
Wolf’s Run South, Elberta, Alabama 36530

BUILDERS AND CONTACT INFORMATION

Achee Properties
Pat Achee

251-928-1960

Adams Homes
Mary Lou Baker
251-625-0601

Aiken Design & Construction, Inc.
Tom Aiken
251-928-6321

Benchmark Homes, Inc.
Lance Toifel
251-473-8600

D.R. Horton
Kent Gibson
251-543-7220

Dan Mooney Custom Homes
Dan Mooney
251-625-1976

David Stapleton Builders, Inc.
David Stapleton
251-626-8139

Fairhope Custom Homes, LLC
Jeremy Friedman
251-463-1899

Gooden Homes
Lydia Edwards
850-476-6764

GRW Company, Inc.
Gary Woodham
251-421-2905

Hamilton Brother Builders, LLC
Paul Hamilton
251-680-6671

John Eckenstaler Builders, Inc.
John Eckenstaler
251-623-0825

Lippincott & Lemongrass Design & Construction
Chad Lippincott/Delia Pierce
251-929-1227

McElmurry Homes, Inc.
Mike McElmurry
251-990-9798

McLaughlin Builders, Inc.
Mike McLaughlin
251-990-3525

Milestone Homes
Donald Long
251-404-1801

MTB Custom Builders, Inc.
Todd Boothe
251-753-2217

New Haven Homes, LLC
Christian Augustin
251-379-0657

Paracel Custom Homes
Jeff Godfrey
251-979-5144

Pickering Builders, Inc.
Jimmy Pickering
251-605-9910

Prestige Development, Inc.
Cain Roberds
251-928-8756

Stone Creek Development, LLC
Rance Reehl
251-990-6622

Trite Builders, LLC
Brian Wright
251-379-4889

Waller Builders, Inc.
Christie Waller
251-510-0647

Baldwin County Home Builders Association
916 Plantation Blvd.Fairhope, Alabama 36532

Phone: (251) 928-9927 Fax: (251) 928-9929

For an Approved FHA Appraiser and Certified Residential
Real Property Appraiser, contact Albert Marshall Cheney with
Cheney Appraisal Services, 251-533-2424 (Business/Mobile),
Albert@CheneyAppraisalServices.com (Email), or go to web links,
http://www.CheneyAppraisalServices.com and
http://www.MobileAlabamaFHARealEstateAppraisers.com
for much more information.

Appraisal Inspections For Hurricane Disaster Services In The Mobile Bay Metro Area Of Alabama! Call Certified Appraiser Al Cheney With Your Questions?

Appraisal Inspections For Hurricane Disaster Services In The Mobile Bay Metro Area, Call Certified Residential Real Property Appraiser Al Cheney at (251) 533-2424 and go to web site, http://www.mobilealabamafharealestateappraisers.com/.

Al Cheney is ready to assist you within Baldwin County and Mobile County. Al Cheney has over 30 years experience in southwest Alabama. Any questions? Email your questions to Albert@CheneyAppraisalServices.com.

Call Al Cheney with CHENEY APPRAISAL SERVICES at (251) 533-2424 for any Hurricane Disaster or Storm Related Disaster Appraisal Report In The Mobile Bay Metro Area Of Alabama.

“Fairhope Alabama FHA Real Estate Appraisers Report On Fairfield Pointe”

Fairfield Pointe, a 2006-2007 new subdivision, is located only minutes from downtown Fairhope, Alabama on the Eastern Shore of Mobile Bay and about 25+- minutes from historic downtown Mobile. This new residential community offers upscale homes within a village atmosphere.


Fairfield Pointe has a reported total of 37 lots consisting of 20 townhome styles ranging from 2,682 to 2,967 square feet, 12 zero lot line homes ranging from 2,745 to 2,934 square feet and 5 single family homes having around 3,000+- square feet each.


These Creole style homes, designed by architect A. Hays Town, (will) feature homes with the highest quality building materials and energy efficient mechanical components. The architectural features of these homes, as described by the architect and developers, will be rich in the Deep South and the Garden District of New Orleans heritage. The homes have balconies, tall columns, classic windows adorned by plantation shutters and large porches to enjoy scenic community views.


The Fairfield Pointe homes have distinctive designs with asking prices ranging from $382,900 to $419,900 according to the online REALTORS’ multiple listing service (MLS) records. To personally view these homes, take U. S. Highway 98 South, then left of Alabama Highway 44 (Twin Beech Road), travel about a ½ mile, left on Boothe Road and then take a immediate right into the Fairfield Pointe subdivision.


For further information on Fairfield Pointe, contact Jeff Devalk with Coldwell Banker Reehl Properties, 251-990-6622 (Office), 251-583-6125 (Mobile), or Jeff@JeffDevalk.com (Email).


For an Approved FHA Appraiser and Certified Residential Real Property Appraiser, contact Albert Marshall Cheney with Cheney Appraisal Services, 251-533-2424 (Business/Mobile), Albert@CheneyAppraisalServices.com (Email), or go to web links, http://www.CheneyAppraisalServices.com and http://www.MobileAlabamaFHARealEstateAppraisers.com for much more information. Al Cheney covers Daphne, Fairhope, Montrose, Point Clear, Spanish Fort and all other communities and towns within Baldwin County, Alabama.

Daphne Alabama Certified FHA Real Estate Appraisers Report On “The Woodlands At Malbis”

“The Woodlands At Malbis” is located along the east side of Alabama State Highway 181, a few miles south of U. S. Interstate Highway 10 and also south of U. S. Highway 90. The Malbis Regional Shopping Center is located on the northern side of U. S. Highway 10 and only minutes from this subdivision.


“The Woodlands of Malbis” has 35 lots and eight common area parcels according to online records. This subdivision is described as “a fantastic tree-lined upscale neighborhood with lakes and estate-sized lots.”


The Baldwin County Association of REALTORS’ online records indicate 4 active listings ranging from $494,900 to $1,900,000 with 3,258 to 5,740 square feet and 9 past sold properties selling between $550,000 and $840,000 with 4,296 to 4,939 square feet .


For further information, contact Barbara S. Reeves at 251-510-0629, 251-621-2588 or toll free direct by calling 888-489-8001.


For more information about Certified Residential Real Property Appraisers and Approved FHA Appraisers, contact Albert Marshall Cheney with Cheney Appraisal Services at 251-533-2424. Albert Cheney covers Bay Minette, Daphne, Fairhope, Foley, Loxley, Malbis, Montrose, Point Clear, Robertsdale, Silverhill, Spanish Fort and many other communities and towns within Baldwin County, Alabama. Al Cheney suggests clicking onto these web site links, http://www.cheneyappraisalservices.com/ and http://www.mobilealabamafharealestateappraisers.com/ for much more information!

Saraland Alabama FHA Appraisers Reports On The New Subdivision, "Charleston Ridge"

"Charleston Ridge" subdivision is one of the newest Saraland subdivisions located along the eastern side of Celeste Road and about 3.2 miles north of U. S. Interstate Highway 65. This subdivision is located 15+- minutes from downtown historic Mobile, Alabama.

The square foot minimum is 2,800 and a double garage is required per restrictions. "Charleston Ridge" has 47 lots and, to date, around 28% of the lots have been sold. The average asking price per square foot is $101.78 based on only four active listings shown within the Mobile Area Association of REALTORS' multiple listing service (MLS). The asking prices are between $289,000 and $310,000 with homes ranging from 2,834 to 3,027 square feet. These homes have 3 or 4 bedrooms and 2 1/2 or 3 bathrooms according to the available online records.

For more information, go to http://www.kevinloper.com/areas/index.cfm?City=SARALAND&State=AL&StateFull=ALABAMA.

For FHA Appraisers, go to http://www.mobilealabamafharealestateappraisers.com/.

This information has been provided by Al Cheney, FHA/HUD Appraiser located within the Mobile Bay Metro Area of Alabama, Baldwin and Mobile Counties. Al Cheney has over 30 years real estate experience! Al Cheney can be reached by clicking on the above web link or call (251) 533-2424.

FHA Online Appraiser Reports On "Taylor Pointe" Subdivision Located In Western Mobile County, Alabama

Certified Online FHA Appraiser, Albert M. Cheney, reporting on Taylor Pointe Subdivision located within western Mobile County, outside the city limits, along Jeff Hamilton Road, near Cottage Hill Road.

Taylor Pointe Subdivision has 47 lots per record with a few common areas.

The builder/developer is J. Craig Homes and if wanting more information, go to http://www.jcraighomes.com/homes.html and ask your questions.

The majority of the homes will range from 2,200 square feet (subdivision minimum) to 3,000 square feet with primarily four bedrooms and three to four bathrooms. There are only a couple of homes having three bedrooms and one home having five bedrooms according to the online records.

Within the past year, the Average List Price is around $325,231 and the Average Sale Price is $486,967 at this time. Average Price Per Square Foot is $117.95.

The Average Number of Days On Market (DOM) is 322 days at this time; although, the current varying economic and lending conditions could affect the length of days on market (DOM).

The Listing Price To Sales Price Ratio is unknown at this time. The appraiser could not find any closed sales due to a very new residential development.

The REALTOR online records indicates the Lowest Price Listing is $249,900 and the Highest Price Listing is $397,900.

The above information was obtained from the Mobile Area Association of REALTORS, Al Cheney, FHA Online Appraiser, (251) 533-2424, is a member of this REALTORS’ organization.

FHA Online Appraiser Reports On "Cambron," East Of Spanish Fort, Alabama

Certified Online FHA Appraiser, Albert M. Cheney, reporting on Cambron Subdivision located north of U. S. Interstate Highway 10, along the west side of U. S. Highway 31, east northeast of the town center of historical Spanish Fort, Alabama. Cambron is located only around 15-20 minutes to downtown Mobile, and around 35-40 minutes to the white sandy beaches of Gulf Shores and Orange Beach, Alabama, and the Gulf of Mexico's blue-green waters!

Cambron Subdivision, just over two years old, has Phase 1 and 2 undergoing development, and a planned future Phase 3, on around 252 acres. This Phase 1 has 72 lots and Phase 2 has 104 lots per record with a few common areas. Cambron is "A Nichols Family Development."

The subdivision square foot restrictions cite the heated & cooled single story or the first floor of a two story shall be no less than 2,400 square feet, and the second story shall be no less than 1,800 square feet.

The majority of current new houses and under construction houses have four to five bedrooms with three to four bathrooms. There are only a few houses having three bedrooms and full bathrooms less than three according to the online records.

Within the past year, the Average List Price is around $303,507 and the Average Sale Price is $302,681 at this time.

The Average Number of Days On Market (DOM) will currently fluctuate around 176 days at this time; although, the current varying economic and lending conditions could affect the length of days on market (DOM).

The Listing Price To Sales Price Ratio is approximately 97.50%.

Currently, the REALTOR online records indicates the Lowest Price Listing is $249,900 and the Highest Price Listing is $329,900.

The above information was obtained from the Baldwin County Association of REALTORS, Al Cheney, FHA Online Appraiser, (251) 533-2424, is an associate member of this REALTORS' organization.

FHA Appraiser Mobile Alabama Reporting On "The Woodlands At The Preserve" Subdivision

FHA Appraiser, Albert M. Cheney, reporting on The Woodlands At The Preserve Subdivision located along the north side of Girby Road between Government Boulevard and Hillcrest Road within the city of Mobile, Alabama.

The Woodlands At The Preserve Subdivision has 82 lots and, since 2006, around half of the lots have French style homes.

The majority of the homes will range from 2,000 square feet to 2,500 square feet with three bedrooms and two to three bathrooms.

The Average List Price is $368,857 and the Average Sale Price is $332,361 at this time.

The Average Sold Price Per Square Foot is $154.59.

The Average Number of Days On Market (DOM) is 127 days at this time; although, the current economic and lending conditions could lengthen the days on market (DOM).

The Listing Price To Sales Price Ratio is approximately 99.6%.

The REALTOR online records indicate a Low Sale Price of $275,000 and a High Sale Price of $470,000.

The above information was obtained from the Mobile Area Association of REALTORS. Albert M. Cheney, FHA Appraiser, (251) 533-2424, is a member of the local REALTORS organization.

Now, "FHA Home Appraisals" starting at $295 per report!

As you are aware of, lenders do not need to go through management companies for FHA home appraisals. Therefore, Albert M. Cheney's new fees are extremely competitive and lower than a management company's fee per report-- saving our client, the homeowner, money!

Also, an important fact-- Experience, Integrity, Professionalism and Quality are paramount when completing home appraisals! With over 30 years experience, Al Cheney always strives in completing dependable, detailed and quality appraisal reports for clients. Al's turn times will generally vary between 2 business days and 5 business days; therefore, much lower than most, if not all, management companies with much longer turn times.

So, do you want to save money and time? Then, please click on the below link for more information.

http://www.cheneyappraisalservices.com/FeesAndServices

"FHA Home Appraisals"

are now starting at $295 per report!

Thanks for all you can do for me! God Bless! :)

Al :)

P.S. Please remember to keep my web site as a favorite! Al Cheney periodically updates this web site with exciting and useful links and tools to assist everyone!