Both kinds of appraisal reach a reasoned opinion of market value under the same professional standards. The difference is how the appraiser learns about the property: from records, data, and photos, or from walking through it. For most estate and family matters involving ordinary single-family homes and condos, a desktop report gives the same answer faster and at lower cost.
Side by side
| Desktop appraisal | Traditional appraisal | |
|---|---|---|
| Property visit | None | Interior and exterior inspection |
| Property information | Public records, MLS history, client photos and details | Appraiser's own measurements and observations |
| Comparable sales analysis | Full | Full |
| Scheduling | Nothing to schedule | Access must be arranged |
| Typical fit | Basis, trust accounting, gift returns, family negotiations | Litigation, unusual properties, significant condition questions |
When a desktop report is the right fit
- The property is a single-family home or condominium in typical condition
- The value is needed for tax basis, trust or estate accounting, a gift return, or a negotiated settlement
- The home is vacant, out of reach, or occupied by someone who would rather not schedule a visit
- The effective date is in the past, so today's interior tells only part of the story anyway
When to choose an inspection-based appraisal
- The value is likely to be argued in court and testimony may be needed
- The home is highly unusual, very large, or unlike anything nearby
- There is major damage, extensive unpermitted construction, or a disputed condition
- The property is a 2–4 unit building, vacant land, or mixed-use
If any of these apply, tell us in your request. We would rather recommend the right kind of report than sell you the wrong one.
By Brian Ward, California Certified Residential Real Estate Appraiser. Reviewed November 2026.