II.D.4.a. Photograph, Exhibits and Map Requirements
- Kacey Olson
© HUD Single Family Housing Policy Handbook 4000.1
The Appraiser must include a legible street map showing the location of the subject and each of the comparable properties, including sales, rentals, listings, and other data points utilized. If substantial distance exists between the subject and comparable properties, additional legible maps must be included.
The Appraiser must include a building sketch showing the GLA, all exterior dimensions of the house, patios, porches, decks, garages, breezeways, and any other attachments or out buildings contributing value. The sketch must show “covered” or “uncovered” to indicate a roof or no roof (such as over a patio). The Appraiser must show the calculations used to arrive at the estimated GLA. The Appraiser must provide an interior sketch or floor plan for Properties exhibiting functional obsolescence attributable to the floor plan design.
The Appraiser must provide photographs as required in the table below and any additional exterior and interior photographs, reports, studies, analysis, or copies of prior listings in support of the Appraiser’s observation and analysis.
FHA Minimum Photograph Requirements | |
Photograph Exhibit | Minimum Photograph Requirement |
Subject Property Exterior | · Front and rear at opposite angles to show all sides of the dwelling · Improvements with Contributory Value not captured in the front or rear photograph · Street scene photograph to include a portion of the subject site · For New Construction, include photographs that depict the subject’s grade and drainage · For Proposed Construction, a photograph that shows the grade of the vacant lot |
Subject Property Interior | · Kitchen, main living area, bathrooms, bedrooms · Any other rooms representing overall condition · Basement, attic, and crawl space · Recent updates, such as restoration, remodeling and renovation · For two- to four-unit Properties, also include photographs of hallways, foyers, laundry rooms and other common areas |
Comparable Sales, Listings, Pending Sales, Rentals, etc. | · Front view of each comparable utilized · Photographs taken at an angle to depict both the front and the side when possible · Multiple Listing Service (MLS) photographs are acceptable to exhibit comparable condition at the time of sale. However, Appraisers must include their own photographs as well, to document compliance |
Subject Property Deficiencies | · Photographs of the deficiency or condition requiring inspection or repair |
Condominium Projects | · Additional photographs of the common areas and shared amenities of the Condominium Project |