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Estimated Cost to Restore
Estimated Cost to Restore is an estimate of what the cost to restore would be for a property in the corresponding condition. All conditions are displayed with a "Premium" or higher membership.
Cost to Restore FAQs »
Cost to Restore:
- Property appears to be free of any blemishes
- Walls and ceilings clean
- Appliances are in good working condition
- Floors, cabinets and countertops look good
- Exterior clean of any debris and landscaping is maintained
- Paint, roof and siding in need of no repairs
- Light cleaning required with very minor repairs
- Property well maintained with minor blemishes
- Interior may need some paint
- Appliances in good working condition
- Cabinets look good but may need minor adjustments or some hardware replaced
- Flooring may need cleaning
- Plumbing may need new seals and minor repairs
- Exterior may need light cleaning, painting and upkeep of yard
- Windows and doors in good working condition but may need screens and minor repairs to gutters and downspouts
- May have minor water damage
- Some flooring may need to be replaced
- Some patching of walls and paint required
- Appliances working but need to be cleaned
- Some debris and general clean-up needed.
- Minor roof repairs may be required
- Landscaping required to manage overgrown lawn and shrubs
- Some plumbing fixtures, valves and supply lines may need replacing
- Cabinets and countertops may need some repairs and replacing of hardware
- Property looks neglected
- May have water damage and minor cracks in foundation
- Doors and windows need adjusting
- Paint required throughout interior
- Carpets need replacing
- Some appliances need replacing or repairs
- Cabinets and countertops need some degree of repairs or replacement
- Hauling of debris and landscape maintenance required
- Garage doors and water heaters may need replacing
- Plumbing and electrical issues may exist with replacement of outdated and damaged parts
- May have structural issues
- Major cleaning and debris removal required
- Flooring needs replacing
- Drywall repairs and painting throughout needed
- Some or all appliances need replacing
- Cabinets and countertops in need of major repairs or replacement
- Plumbing fixtures, valves, hardware may need replacing
- Tub and showers may need reglazing or replacement along with tub and shower enclosures
- Electrical issues may exist for repairs or replacement to meet local building codes
- Exterior may need roof repairs and may need to be fumigated
Please note these are general guidelines and when dealing with VERY POOR condition a professional estimate is highly recommended.
The Estimated Cost to Restore value is based on various proprietary mathematical formulas and techniques. This report does not represent a physical inspection of the property nor does it constitute an official repair cost of the structure. This report does not account for considerations such as complexity of structure, inaccurate data, obsolescence or unknown improvements of detriments to the property. The information in this report is provided "as is" and all uses are at the user's sole risk.
Please NOTE: The property analyzer tool will no longer be available on RealtyTrac as of March 1, 2012. If you have saved scenarios that you would like to keep, click the View Spreadsheet button below and follow the instructions to copy and paste your scenario into an Excel spreadsheet.
Assessed Total: The total value of both land and improvements/attachments to the land (such as buildings) as calculated by the county tax assessor’s office on a given day. Please contact the county assessor’s office for information on how assessments are calculated in that particular county.
Auction Date: The tentative public auction date recorded on the Notice of Foreclosure Sale (NTS). The public auction cannot occur before this date, but the auction can be canceled or postponed to a later date without a new notice being recorded. Even if this date has passed, you should call the trustee listed on RealtyTrac, or the county sheriff’s office, to find out the current status of the public auction.
Postponement Reason: Reason provided by the trustee for the auction postponement.
Auction Location: Address of the place where the public auction will occur.
Balance: The unpaid portion of the defaulted loan that the homeowner in default owes to the foreclosing lender. If the property is scheduled for public auction, the opening bid is often based on this amount plus foreclosure-related fees and costs.
Case Number: The number a court assigns to a specific judicial action.
Condition: The current physical state of a property.
Default Amount: Total amount of payments in arrears, or delinquent on a loan.
Document Number: A number assigned to the document filed with the county recorder’s office from which property information originates.
Entered On: Date when RealtyTrac received and posted the information.
Improvements: Last assessed value of any improvements (like buildings and swimming pools) attached to the land as calculated by the county assessor’s office.
Interest Rate: The rate a lender charges for borrowed money.
Judgment Amount: In judicial foreclosure proceedings, the dollar amount the court determines that the defendant (homeowner in default) owes to the plaintiff (foreclosing lender). This is the amount needed to satisfy the foreclosing lender and will often be the opening bid if the property is scheduled for public auction.
Land Total: Last assessed value of the land itself (without attachments) as calculated by the county assessor’s office.
Last Payment: The last date the homeowner made a payment on the loan in default.
Legal Description: The description of the property’s location used in recorded documents in reference to the property.
Lender: The original source of a loan to a borrower and the entity that initiates the foreclosure proceedings. Also referred to as a "beneficiary."
Loan Amount: The original amount of the loan.
Loan Date: The date the loan was issued.
Loan Document Number: The number assigned by the county recorder’s office to the loan document (mortgage or deed of trust).
Lot Number: Determined by the surveyors when the neighborhood was originally built, the number is included on the county assessor’s map of the neighborhood where the property is located.
Maturity: The date a loan becomes due and interest payments cease. The borrower must pay back the principal borrowed by the maturity date.
Opening Bid: Amount set for a starting bid on the purchase of the property at the trustee's sale (auction). Usually based on the remaining loan balance still owed to the lender. In some states the trustee is allowed to include fees and costs associated with preparing for auction in the opening bid.
Parcel Number: Also known as Assessor's Parcel Number (APN), it is a unique number assigned by a taxing authority (i.e., a county) that identifies the location of a property.
Payment: The recurring amount a borrower must pay to the lender. The payment typically includes principal and interest based upon the amortization schedule. Often, the payment also includes money placed in a trust account with the escrow company to cover a borrower’s property taxes and insurance.
Property ID: The reference number unique to RealtyTrac to locate listings in our database.
Recording Date: Date the foreclosure document (notice of default, notice of sale) or loan document (mortgage, deed of trust, etc.) was filed with the county recorder’s office.
Recorded Date: Date the foreclosure document (notice of default, notice of sale) or loan document (mortgage, deed of trust, etc.) was filed with the county recorder’s office.
Square Feet: Total area in square feet of the building/improvements on the land.
Status: Designation of the stage of foreclosure (pre-foreclosure, auction, bank-owned) based on the foreclosure document filed (NOD, LIS, NTS, NFS or REO).
Foreclosure Cancelled: This property has been removed from the foreclosure process due to a variety of reasons and will no longer be subject to foreclosure proceedings unless the owner defaults again.
Not in Foreclosure: This property has been removed from the foreclosure process due to a variety of reasons and will no longer be subject to foreclosure proceedings unless the owner defaults again.
Foreclosure Proceedings on Hold: The foreclosure proceedings have been halted for a variety of reasons, including but not limited to loan modification, bankruptcy.
Transfer Date: Last date the property transferred ownership.
Transfer Value: The amount paid for the property the last time it transferred ownership.
Trustee: A party who holds a property’s “title” for the benefit of others. For foreclosure, the trustee often holds title for the benefit of both the trustor (borrower) and beneficiary (lender). Usually the trustee files the foreclosure paperwork and oversees any public auction.
Trustee/Reference #: Number assigned to a property by the trustee. Used by trustee to track status of foreclosure and auction proceedings.
Referee: In some states, a party appointed to perform certain functions relating to the public auction of the property. Usually these functions include calculating the amount of the opening bid and directing the public auction of the property.
Volume / Page Number: The number that references the location of a document in public records.
Sale Price Type: Describes how the sale price was derived.
1st Loan Amount: The amount of the loan borrowed to pay for most of the purchase price of the property. The first loan (also known as the senior loan) is in the first position, meaning all other loans are subordinate to it.
2nd Loan Amount: Usually a loan for the remainder of the purchase price on a property after the down payment has been made and the first loan has been approved. The second loan (sometimes known as a second trust deed) is second in line to the senior loan and therefore called a junior loan.
Amount: The dollar amount of the lien.
Borrower’s Name: Name of the individual(s) or entity(ies) who were approved for a loan, using the property as security.
Buyer Name: Name of individual(s) or entity(ies) who bought the property.
Creditor Name: of the agency or lender that is owed the debt.
Debtor Type: Identifies party responsible for debt.
Document Type: Describes the type of document from which property information originates. Document types on RealtyTrac range from grant deeds, which transfer ownership of a property, to notice of sales, which schedule a public foreclosure auction of the property.
Filing Number: Taxing agency’s identifying number of record.
Lender Name: Name of the individual(s) or entity(ies) who loaned the money to the owner of the property.
Lender: The original source of a loan to a borrower, and the entity that initiates the foreclosure proceedings. Legally referred to as a “beneficiary” in foreclosure proceedings.
Loan Due Date: Date the last payment on the loan is due.
Noteholder: Original borrower/homeowner who is in foreclosure (may also be referred to as the “trustor” by the trustee).
Price: The amount paid by the buyer to purchase the property.
Record Type: Defines the type of tax lien (often federal or state).
Seller Name: Name of the individual(s) or entity(ies) that sold the property.
Type of Sale: Describes the nature of the sale in question. The most important distinction here is whether it was a typical purchase agreement between the seller and buyer where the purchase price would be close to full market value, or a special purchase agreement that may have caused the purchase price to be different than market value (such as a foreclosure sale).
Recording date: The date the foreclosure proceedings first began.
Estimated Market Value (also known as fair market value): The estimated amount the home would sell for on the market based on comparable sales and other factors.
Market Value Range: A range of estimated property values based on the actual sales prices of recently sold properties in the neighborhood.
Loan-to-Value (LTV): The total value of open loans as a percentage of the estimated market value; or estimated total loan amount divided by estimated value. If LTV is above 100 percent, it indicates the estimated total loan amount exceeds the estimated value.
Total Loan Amount: The total of all the original loan amounts for all open loans known to exist on the property. If only one open loan exists, the total loan amount would be the original loan amount for that one loan.
Equity Amount: Remaining property value after subtracting total value of open loans. It is calculated by subtracting total loan amount from estimated value.
Equity as Percent of Market Value: Equity amount expressed as a percent of market value. Calculation is equity amount divided by market value.
Loan Position: The position of the loan relative to the other known open loans. Loan position defines the order the lenders will be able to collect on any debt secured by the property.
Originator: The lender that originally issued the loan to the borrower. This is not necessarily the current lender as loans frequently change hands.
Original Loan Amount: The loan amount when the loan was first issued.
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Estimated Market Value (also known as fair market value): The value the home could sell for on the market based on comparable sales and other factors.
Equity = est. value minus est. current loans
Loan-to-value (LTV) = est. current loans divided by est. value
Auction Date: The date set by the trustee to sell the foreclosed property at a public auction. Just because an auction date is posted on RealtyTrac does not mean that the property will be sold on that date. The trustee may postpone the sale from the original date without filing a new public notice. Thus we advise you to call the trustee to verify the auction's status ahead of time.
Bid Increment: The minimum dollar amount you can bid above
the current bid.
Reserve: The lowest amount a seller is willing to sell
at. The reserve amount is not disclosed on the details page; however, buyers can
see if the auction has a reserve and when the reserve has been met. If there is
no reserve set by the seller, then No Reserve will be indicated on the details page.
If a reserve is set and the reserve is not met at the end of the auction, the seller
is not obligated to the sell the property to the winning bidder. However, the winning
bidder and seller may enter into post auction negotiations to settle on a sale price.
Deposit Required: The amount of money a bidder is required
to deposit prior to placing a bid.
Extension Period: The amount of time the auction’s close
time is extended when there is active bidding. The auction is automatically extended
when a bid is placed within the last few minutes of an auction and will remain open
until an entire extension period has passed without any bidding.
Buyer's Fee: The fee a winning bidder will pay to cover
the costs of the auction. The fee is added to the winning bid amount and is included
in the total purchase price paid by the buyer to the seller.
How do you measure popularity? We measure popularity by how many people viewed a property relative to other properties in the area within the last 7 days. A property with a five bar rating ranks among the most viewed in the area, while a property with a one bar rating ranks as the least viewed. Popularity is only determined by number of views. It is not a measure of value.
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Borrower has petitioned for bankruptcy protection.
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The "for sale" icon indicates that the foreclosure property is known to be listed for sale.
is based on analysis of property sales history, area historical sales, and current resale list information. The more stars the better the deal. Please view our FAQs for further explanation.
The "for sale" icon indicates that the foreclosure property is known to be listed for sale.