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      <image:title>Nevada County Appraisal Blog - New Construction in Nevada County</image:title>
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      <image:title>Nevada County Appraisal Blog - New Construction in Nevada County</image:title>
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      <image:title>Nevada County Appraisal Blog - New Construction in Nevada County</image:title>
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      <image:title>Nevada County Appraisal Blog - New Construction in Nevada County</image:title>
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      <image:title>Nevada County Appraisal Blog - New Construction in Nevada County</image:title>
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      <image:title>Nevada County Appraisal Blog - New Construction in Nevada County</image:title>
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      <image:title>Nevada County Appraisal Blog - New Construction in Nevada County</image:title>
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      <image:title>Nevada County Appraisal Blog - New Construction in Nevada County</image:title>
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      <image:title>Nevada County Appraisal Blog - New Construction in Nevada County</image:title>
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      <image:title>Nevada County Appraisal Blog - New Construction in Nevada County</image:title>
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    <lastmod>2025-12-08</lastmod>
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      <image:title>Nevada County Appraisal Blog - Sizzlin' Summer Market Update</image:title>
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      <image:title>Nevada County Appraisal Blog - Sizzlin' Summer Market Update</image:title>
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      <image:title>Nevada County Appraisal Blog - Sizzlin' Summer Market Update</image:title>
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      <image:title>Nevada County Appraisal Blog - Sizzlin' Summer Market Update</image:title>
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      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1568046166432-9IZQR5V485NY0KHVQY3C/Nevada+County+Average+Days+on+Market+Graph.png</image:loc>
      <image:title>Nevada County Appraisal Blog - Sizzlin' Summer Market Update</image:title>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Sizzlin' Summer Market Update</image:title>
      <image:caption>Grass Valley</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1568048839357-DZ2KSQEV6W5ENYWT2ACL/Nevada+City+Stats+and+Graph.png</image:loc>
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      <image:caption>Nevada City</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1568048870764-B9E6D8MECFLGZ003PE31/Lake+Wildwood+Stats+and+Graph.png</image:loc>
      <image:title>Nevada County Appraisal Blog - Sizzlin' Summer Market Update</image:title>
      <image:caption>Lake Wildwood</image:caption>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Sizzlin' Summer Market Update</image:title>
      <image:caption>Alta Sierra</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1568048916584-WZB70P4MT6UMRM4S21P6/South+County-McCourtney+Stats+and+Graph.png</image:loc>
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      <image:caption>South County/McCourtney</image:caption>
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      <image:title>Nevada County Appraisal Blog - Sizzlin' Summer Market Update</image:title>
      <image:caption>Lake of the Pines</image:caption>
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      <image:title>Nevada County Appraisal Blog - Sizzlin' Summer Market Update</image:title>
      <image:caption>Penn Valley</image:caption>
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    <image:image>
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      <image:caption>Peardale/Chicago Park</image:caption>
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      <image:caption>North San Juan</image:caption>
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      <image:caption>High Country / Washington</image:caption>
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      <image:caption>Smartsville/Big Oak Valley</image:caption>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Sizzlin' Summer Market Update</image:title>
      <image:caption>Rough and Ready</image:caption>
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  <url>
    <loc>https://www.snappraisal.com/blog/2019/6/27/fire-insurance</loc>
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    <priority>0.5</priority>
    <lastmod>2025-12-08</lastmod>
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      <image:title>Nevada County Appraisal Blog - Nevada County Appraisal Blog's Fire Insurance Analysis 2019</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1563557016447-BTG7BZC03Z50ESSUTZXU/49er+fire+map.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Nevada County Appraisal Blog's Fire Insurance Analysis 2019</image:title>
      <image:caption>49er Fire Map 1988</image:caption>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Nevada County Appraisal Blog's Fire Insurance Analysis 2019</image:title>
      <image:caption>Camp Fire 2018</image:caption>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Nevada County Appraisal Blog's Fire Insurance Analysis 2019</image:title>
      <image:caption>49er Fire, Nevada County 1998</image:caption>
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  <url>
    <loc>https://www.snappraisal.com/blog/2019/6/3/springing-into-the-summer-market</loc>
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    <priority>0.5</priority>
    <lastmod>2025-12-08</lastmod>
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      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1559579833447-KQUV8KBIZQRFQLIRGZMK/County+Stats+.png</image:loc>
      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1559580453593-AURAKXNSVP2OX94RR8K4/County+Monthly+Sales+Graph.png</image:loc>
      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1559580611571-6V0BUEZBEN02P4DY3DQ8/County+Median+and+Average+Sale+Price.png</image:loc>
      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1559580782135-ROCMGNPBXO0BTI4TKFA1/County+Average+DOM+Graph.png</image:loc>
      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1559581222407-T9WFFKV5VP6MRUIFK139/County+Supply.png</image:loc>
      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Springing into the Summer Market</image:title>
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  <url>
    <loc>https://www.snappraisal.com/blog/2019/5/6/spring-and-summer-home-projects</loc>
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    <priority>0.5</priority>
    <lastmod>2025-12-08</lastmod>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1557160990953-0G1DT2JGG1IXQXBN8K7V/Brian+Deck.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Will My Summer Project Add Value to My Home?</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1557161046278-BZ1ZOAWX2XZXKOP3M7AN/Pizza+Oven.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Will My Summer Project Add Value to My Home?</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1557161093720-NQHYV0EV5KMQNVKFEPXI/Kohler+Numi.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Will My Summer Project Add Value to My Home?</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1557161310015-GQDZBMCM1NNYAYYZDUAR/Kitchen+Remodel.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Will My Summer Project Add Value to My Home?</image:title>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1557161160884-OMN6YSJ3VHBG1YPLVXFF/Tomkins-Gold-Toilet.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Will My Summer Project Add Value to My Home?</image:title>
      <image:caption>What about a golden toilet? (Side note - supposedly one was offered to the White House, but Trump turned the offer down). If a toilet weighs as much as a normal porcelain one (70-120 pounds), a golden toilet would cost anywhere between $1,374,266 - $2,355,936. Based on the price of gold in Sept 2016, the toilet (actually the gold) would have decreased in value $100,326 or 6.8%. Pretty crappy if you ask me!</image:caption>
    </image:image>
    <image:image>
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      <image:title>Nevada County Appraisal Blog - Will My Summer Project Add Value to My Home?</image:title>
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    <image:image>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Will My Summer Project Add Value to My Home?</image:title>
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      <image:title>Nevada County Appraisal Blog - Will My Summer Project Add Value to My Home?</image:title>
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  <url>
    <loc>https://www.snappraisal.com/blog/2019/3/29/the-accuracy-of-zillow</loc>
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    <priority>0.5</priority>
    <lastmod>2025-12-08</lastmod>
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      <image:title>Nevada County Appraisal Blog - The Accuracy of Zillow</image:title>
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      <image:title>Nevada County Appraisal Blog - The Accuracy of Zillow</image:title>
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  <url>
    <loc>https://www.snappraisal.com/blog/2019/2/26/lake-wildwood-an-in-depth-look</loc>
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    <priority>0.5</priority>
    <lastmod>2025-12-08</lastmod>
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      <image:title>Nevada County Appraisal Blog - Lake Wildwood - An In Depth Look</image:title>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - Lake Wildwood - An In Depth Look</image:title>
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  <url>
    <loc>https://www.snappraisal.com/blog/2018/9/21/how-to-handle-the-heat</loc>
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    <lastmod>2025-12-08</lastmod>
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      <image:title>Nevada County Appraisal Blog - How to Handle the Heat</image:title>
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      <image:title>Nevada County Appraisal Blog - How to Handle the Heat</image:title>
      <image:caption>Forced Air Heating System This is the most common heating system found, and would qualify for all types of financing.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1537566854766-RFV2LQS2GP920XNNJNBU/Wall+Furnace+1.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - How to Handle the Heat</image:title>
      <image:caption>Wall Furnace Commonly found in older homes without cooling systems, a wall furnace would also qualify for all types of financing</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1537566957875-XIPKGHOLN23PLYLVX6SP/Split+System+Heat.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - How to Handle the Heat</image:title>
      <image:caption>Split System Heat Pumps This is one of the newer types of heating and cooling systems. It has a compressor/condenser on the exterior of the home and individual air handlers on the interior which cycles and distributes the air. Split Systems qualify for all types of financing</image:caption>
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    <image:image>
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      <image:title>Nevada County Appraisal Blog - How to Handle the Heat</image:title>
      <image:caption>Pellet Stoves Pellet stoves typically have a reservoir of small wood pellets that are automatically released and used as fuel for the stove. Pellet stoves can have thermostats and typically last for 1-2 days before having to be refilled. I’ve contacted both VA and FHA, and as long as the reservoir will last for 1-2 days without having to be refilled, a pellet stove adheres to MPR’s. Pellet Stoves also satisfy FNMA heating requirements in Nevada County.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1537567424091-0VYUM43MZ7C2BG0RVAJZ/Radiant+Floor+Heat+System.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - How to Handle the Heat</image:title>
      <image:caption>Radiant Floor Heating System Typically Hot Water flows through the floors and heat rises to warm the home. It feels wonderful on the feet. It’s also very common for electrical radiant heat coils to be installed in bathrooms. Radiant Heat systems qualify for all types of financing.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Nevada County Appraisal Blog - How to Handle the Heat</image:title>
      <image:caption>Wood Stove Since wood stoves require human intervention and do not automatically heat the home to a minimum temperature, they do not qualify as the sole heat source for FHA or VA. As long as they are typical within the market, a wood stove is an acceptable heat source for FNMA.</image:caption>
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    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1537567967496-LC03FC80XDLNI1SC3NF9/propane+stove.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - How to Handle the Heat</image:title>
      <image:caption>Propane or Natural Gas Stoves They may look exactly like their cousin, the wood stove, but propane or natural gas stoves are thermostatically regulated and can be operated as long as there is a gas supply. They qualify for all types of financing as long as the stove is manufactured to heat the living area of the home.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Nevada County Appraisal Blog - How to Handle the Heat</image:title>
      <image:caption>Electric Wall Heaters Because most electric wall heaters are quite cost effective, they are the most common heat source installed during escrow to satisfy financing requirements. Things to remember: The heaters must be hard wired into the electrical system and considered a fixture of the home. For FHA loans, the heater (or multiple heaters) must have a manufacturer rating sufficient to heat the entire Gross Living Area (and non-GLA areas containing building components) to a minimum 50 degrees. For VA loans, the heater must have a manufacturer rating sufficient to heat the areas of the home only with plumbing (if there is also wood stove or fireplace) to 50 degrees.</image:caption>
    </image:image>
    <image:image>
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      <image:title>Nevada County Appraisal Blog - How to Handle the Heat</image:title>
      <image:caption>Space Heaters Space Heaters come in all shapes and sizes but if they are not affixed to the home (permanently attached) they are considered personal property and do not qualify as a heat source.</image:caption>
    </image:image>
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      <image:title>Nevada County Appraisal Blog - Size Matters - Guest Units</image:title>
      <image:caption>Guest units are also known as granny units, guest quarters and accessory dwelling units.  They can be attached or detached from the home; some have kitchens, some do not.  If the guest unit is not accessible through the interior of the main home (such as through a hallway), this area is not considered GLA.  It is extremely common for this area to be included in the reported in square footage on MLS or sometimes county records, however an appraiser will not include this area in GLA.  This area should not be included in the reported square footage on MLS.  I’d highly suggest to be clear in the property description the area is not included and estimate the area of the guest unit.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1530294342443-GBYVR3EAZEU16WT54CY1/Barn.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Size Matters - Barns and Workshops</image:title>
      <image:caption>Barns and workshops are typically detached from the home and may have some sort of living space above.  Again this area is typically not accessible through the interior of the home and would not be considered GLA.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1530295037797-FF81R6393ODEZQAYTZGL/Workshop.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Size Matters</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1530295152358-UCZM032ZASFR3JFFCM5X/Sunroom.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Size Matters</image:title>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1530294444382-8ZF1KG6X51VT6DNIDD9Y/Enclosed+Patio.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Size Matters - Enclosed Patios and Sunrooms</image:title>
      <image:caption>Enclosed patios and Sunrooms typically are not heated and would not be considered part of GLA.  If this area was heated was finished in a similar quality to the rest of the home, it could potentially be part of GLA.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1530294639265-T2E1JHNZ3BRDR2ENF1XQ/Basement.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Size Matters - Finished Basements and Attics</image:title>
      <image:caption>There aren’t too many true basements in Nevada County.  Occasionally I’ll run into one in a Victorian home in downtown Grass Valley or Nevada City.  A basement is considered a room below grade (ground level) and can be finished or unfinished.  Basements are reported as area below grade and not as GLA.  We also don’t see finished attics in Nevada County.  I don’t think I’ve ever run across one if my career.  Finished attics are not considered GLA.</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1530294673826-GK4TW8VY00J62A60TF13/Ryan+Ceiling+Photo.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Size Matters - A-Frame's and Pitched Walls</image:title>
      <image:caption>In some areas an A-Frame house will have a second floor that extends to the roof.  For rooms with pitched walls the minimum ceiling height for the area to be counted as GLA is 7ft (in the center).  All area that have at least 5ft of ceiling height would be valued as GLA.  (Check out my friend Ryan Lundquist’s blog post here http://sacramentoappraisalblog.com/2012/07/10/how-low-can-a-ceiling-be-before-its-not-considered-square-footage/ )</image:caption>
    </image:image>
    <image:image>
      <image:loc>https://images.squarespace-cdn.com/content/v1/5ae1eff9d274cb32848daf7c/1530294729557-73FNH2NJ4LSGZRDTCJ2V/Lower+Level.jpg</image:loc>
      <image:title>Nevada County Appraisal Blog - Size Matters - Lower Levels</image:title>
      <image:caption>Being located in the foothills it is extremely common to enter homes on the street level and have the home extend down to a lower level along the slope of the land.  In fact, my own home has this design.  Technically if more than 1 ft is below grade on any side of the home, that entire floor is considered below grade (per ANSI).  In the Nevada County market these lower levels are typically included in GLA and reported as living area within the local MLS.  Most buyers perceive this type of area as living space.  The Dictionary of Real Estate Appraisal’s definition of GLA states that ‘local practices may differ.’  The FNMA selling even specifically states “For example, a property built into the side of a hill where the lower level is significantly out of ground, the interior finish is equal throughout the house, and the flow and function of the layout is accepted by the local market, may require the gross living area to include both levels.” I almost always include the lower level of a home in the GLA as long as there is interior access, is heated and was constructed with similar quality as the rest of the home.</image:caption>
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