Why might an appraiser require a full appraisal instead of a desktop appraisal?

A full appraisal is typically required when an appraiser needs to conduct a comprehensive evaluation of the property's condition and features. This type of appraisal involves on-site inspections, detailed analysis, and assessments of various aspects such as the property's structure, systems, and overall state. By performing a full appraisal, the appraiser can gather precise data regarding the property’s current condition, which is essential for accurate value estimation.

In cases involving unique properties, properties needing significant repair, or situations where accurate valuation is critical for financial transactions, a full appraisal provides the detailed insights necessary to make informed decisions. This is particularly important when the appraisal must account for specific features, potential issues, or market conditions that may not be fully captured through a more limited desktop appraisal approach. Desktop appraisals, which rely on data available from public records and other secondary sources without a physical inspection, may lack the depth of analysis needed in these scenarios.