Single Family Residence in STERLING HILL PH 1B, SPRING HILL · No CDD
STERLING HILL PH 1B · SPRING HILL, FL 34609 · Hernando
Listing data updated September 6, 2026 · refreshed twice daily
5Bedrooms
3Bathrooms
2,551Sq Ft
2006Year Built
$176Per Sq Ft
Private pool3-car garageNo CDDFEMA Zone X5 bedrooms
Momentum Research: independent market analysis, flood data, insurance estimates, buyer leverage, and objective property scoring, alongside the MLS listing. Not just the listing sheet.
21% above
$/sq ft vs community
$176 here vs $146 median sold (12 mo)
Buyer leverage
Balanced market
31 days on market
4.5 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
Zone X
Flood risk
Minimal hazard per FEMA; ~87 ft elevation
$2k–$3k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
As of September 6, 2026, 5517 Greystone Drive in Sterling Hill Ph 1B, Spring Hill is listed at $450,000 (2,551 sq ft, about $176 per sq ft). It has been 31 days on market. Listing facts: built in 2006, a private pool, HOA dues of $12/mo. The parcel maps to FEMA flood zone X, outside the special flood hazard area. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 2006 · 20 yrs
2,551 sq ft of living area
3-car garage
Listed at $450,000 — recent neighborhood median sale price ~$408,000 (nearby sales; deemed reliable, not an appraisal)
31 days on market
HOA $12/mo (per listing)
Momentum Research · STERLING HILL
Pricing & the STERLING HILL market
How this home is priced against recent nearby sales, and where STERLING HILL has been over 25 years. Momentum Research analysis of Stellar MLS records; closed sales, deemed reliable but not guaranteed. Estimates only; see data notes.
This home’s $/sq ft vs. nearby sales
List $/sq ft against recent nearby closed sales; the community median is marked.
Property timeline
This home’s history
2006BuiltPer public record
Aug 4, 2026First trackedObserved at $450,000
NowActiveCurrently for sale
Build year is from public record. Listing milestones reflect movewithmomentum.com’s own observations since we began tracking this listing and are not the MLS listing history; dates and prices are deemed reliable but not guaranteed.
Financing
Estimated monthly payment
$2,912/mo
Principal & interest $2,325/mo80%
Taxes $394/mo14%
Insurance $181/mo6%
HOA $12/mo0%
$2,912/mo at 20% down, 30-yr @ 6.71% · edit any field to update.
Estimated from today’s asking price and current Hernando County tax rates.
⚠️
Many first-time Florida buyers are surprised when property taxes jump after closing. This estimate helps you budget before you make an offer.
Current owner pays $6,325/yr ($527/mo)
+$1,125 more each year
(+18%)
Most of this comes from Florida’s Save Our Homes assessment cap resetting when the home sells — the current owner’s protected assessment doesn’t transfer to a new buyer.
🛡️
Current ownerProtected by Save Our Homes
🔄
Home sellsResets the January after
🧾
Buyer paysBased on purchase price
$50,722
Save Our Homes benefit
The current owner’s protected taxable value sits this much below market — which is why today’s bill is lower than a new buyer’s.
Sources: Florida DOR certified tax roll (2025), Stellar MLS. County public record, not MLS data — matched to this home by parcel ID. Estimates are not a tax bill.
Momentum Scores
Momentum Property Score
46/100
Strongest on: Flood safety (95), Insurance cost (73)
0 limited50100 exceptional
46/100 is below average across the objective indicators below. It reflects only those measures — not the home’s quality, condition, or desirability.
A 0-100 score built from objective property and market data: flood risk, insurance, pricing, supply, affordability, and recent sales. Higher means more measures line up in a buyer’s favor. It reflects only the factors below.
Price vs area0
This home $176/sq ft vs the community 12-month median $146/sq ft.
Affordability33
List price $450,000 vs the community median $408,000. Not a measure of personal affordability.
Flood safety95
FEMA Zone X, ~87 ft elevation. Verify the parcel with FEMA.
Insurance cost73
From FEMA Zone X and a 2006 build. Obtain a property-specific quote.
Market liquidity53
Community inventory, ~4.5 months of supply (12-month record).
Renovation upside22
From a 2006 build and $176/sq ft vs the community median $146/sq ft. Not a condition assessment.
Momentum Scores are objective, rules-based indicators computed from listing facts, public records, and recent nearby sales. They are not appraisals, valuations, investment advice, or judgments about a neighborhood or who should live there. Verify independently.
Momentum Research
The Momentum read
🟡 Balanced conditions around this listing. 4.5 months of supply in the surrounding market and 31 days on market for this home, against a 29-day area median.Days on market:this home 31Area median: 29 daysWhy it matters: above-median time on market, together with the level of supply, is a clear sign of how much leverage sits with buyers.Momentum Research interpretation of the MLS facts in the snapshot above. Based on Stellar MLS data distributed by MLS GRID for the period 2005 through 2005. As of August 2, 2026.
🟡 Asking $176 per square foot, about 21% above the community’s $146 median. STERLING HILL’s 12-month median sold price per square foot is $146. MLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
What’s unique here: one of only 18 active listings in STERLING HILL, no CDD assessment.
Updated September 6, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Virtually Staged. A Large Pool Home on an Oversized Lot in Sterling Hill - MAJOR $28k UPGRADE JUST COMPLETED! Brand-new multi-gable roof and new water heater installed.
Massive out-of-pocket savings for the buyer, turnkey peace of mind for years and immediate opportunity for lower home insurance premium. Step into a lifestyle of space, and modern sophistication. From the moment you cross the threshold, warm wood-plank flooring guides you through an expansive, light-filled layout crafted for those who love to entertain and live comfortably.
Living Room, dining room and a den off the NEWLY REMODELED KITCHEN from 2022. 3 car Garage with easily 4+ parking spots in the driveway. At the heart of the interior, the high-end kitchen pairs timeless beauty with modern innovation.
Elegant updated kitchen with quartz countertops and the island anchors the space, highlighted by sleek dark blue tiled back splash, wifi-compatible modern appliances, including a built-in air fryer in both the oven and microwave to help keep counters clutter-free. Integrated smart technology runs throughout the home, a Nest Wi-Fi thermostat and pool service app for total control at your fingertips. Transition seamlessly to the crown jewel of the residence: an outdoor oasis, view the pool from kitchen, den and living room.
Step through to a sprawling, large fully enclosed pool deck and covered featuring a saltwater pool and a complete outdoor kitchen equipped with for a propane barbecue grill, sink, and prep counter. What truly elevates this property above the rest in this community, it's an oversized backyard. Positioned on one of the larger lots in Sterling Hill and framed by solid vinyl privacy fencing on both sides of the outdoor haven offers unparalleled privacy and peace to enjoy.
Beyond your private gates, Sterling Hill offers a secure 24/7 electronically gated community with remarkably low HOA fees. Residents enjoy access to two complete clubhouses (North and South), each featuring its own swimming pool and fitness center, alongside tennis and pickleball courts, basketball, a billiards room, splash pad, playground, dog parks, and an activity field. To top it all off, the location is truly unbeatable.
Positioned just minutes from schools, the primary commercial hub of Cortez Boulevard and US-19, you have instant access to major retailers, dining, and top-tier healthcare at TGH Spring Hill. Commuters will love the fast access to the Suncoast Parkway, putting Tampa International Airport just 45+ minutes away and Walt Disney World under a 2-hour drive. Best of all, you are a short 15- to 20-minute drive to public boat ramps and the world-famous, crystal-clear waters of the Weeki Wachee River and Gulf waters for fishing or boating.
Description provided by KELLER WILLIAMS REALTY- PALM HARBOR and reproduced from the MLS; not independently verified.
Property facts & sources
Every fact, sourced
Listing data, public records, our calculations, and what to verify — each fact shown once. Estimates and calculations shown are for general information only, are not appraisals or advice, and should be independently verified.
Listing facts MLS
List price$450,000
Bed / bath5 / 3
Living area2,551 sq ft
Year built2006
Property typeSingle Family Residence
Garage3-car
PoolYes
MLS #TB8531374
Listing status31 days on market
Public records & third-party data
FEMA flood zoneZone X
Ground elevation~87 ft
Windstorm exposureLow
CountyHernando
Area listings18 active · 7 under contract
Estimated first-year tax~$4,725/yr
CDD assessmentNone on record
HOA (per listing)$12/mo
Calculated estimates
Price per sq ft$176
Estimated monthly payment$2,912
Insurance (illustrative)$2k–$3k/yr
Comparable-sales median$408,000
Buyer should verify Buyer verify
Exact HOA dues, fees, and restrictionsRoof age and conditionHVAC age and conditionA property-specific insurance quoteSurvey and lot boundariesPermit historyFlood-insurance requirementsSchool zoning (confirm with the district)Property taxes after sale (homestead reset)CDD / community assessmentsSquare footage and room dimensions
Listing courtesy of KELLER WILLIAMS REALTY- PALM HARBOR · Listing agent: Jamie Maddy Booth · 727-772-0772Provided via the Stellar MLS Internet Data Exchange, as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID · Listings courtesy of Stellar MLS as distributed by MLS GRID. · deemed reliable but not guaranteedIDX information is provided exclusively for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Data is deemed reliable but is not guaranteed by the MLS to be accurate.
The Messtimate™
The Messtimate
This is a deliberately dumb estimate — living area times a range of recent neighborhood $/sq ft, and nothing else. It is not an appraisal, not market value, and not a valuation of this home. Even a tight range from comparable sales can’t price a specific home — here’s why.
$326,528the mess$418,364
Actual list price: $450,000 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 28% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a renovated kitchen or new roof vs. dated finishes can swing value six figures; sq ft can't see it.
The lot & views — a premium golf, water, or preserve lot vs. a road-facing one: same sq ft, very different price.
Outliers skew it — one flip or distressed sale in the comps drags the whole $/sq ft up or down.
Carrying costs & concessions — this home carries HOA dues of $12/mo; with insurance and any seller-paid buydown, that changes what a buyer actually pays, and a sq ft estimate ignores all of it.
The pool — a private pool carries cost and value that living area doesn't capture.
And here's what the live market is doing — which the number above ignores entirely:
18 active listings competing, 7 under contract
≈4.5 months of supply
47 closed here in the last 12 months
For reference, this home is listed at $450,000 ($176/sq ft) — a number set with analysis a Messtimate can't do.
Want a property-specific review from a licensed agent? A Momentum Realty agent will do a real, free comparative market analysis — walking the home, the lot, the condition, and the live market. That's the difference between a Messtimate and a valuation.
Methodology: 2,551 sq ft × $128–$164/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 6, 2026.
Keep looking
Similar homes for sale near STERLING HILL PH 1B
Active listings nearby at a comparable size and price. Listings held by brokerages other than Momentum Realty are marked with the listing broker. Deemed reliable but not guaranteed.
Listed for $450,000Momentum Realty · on market 31 days
Public records
Building permits
Permit history not yet linkedConfirm permit history with the county building department.
Estimated ownership costs
Estimated costs & disclosures
Estimated ownership costs for general information. Confirm each with the county, your lender, and an insurer. See data & estimate notes.
Property tax (first-year est.)
~$4,725/yr
A rough first-year estimate only, applying a typical Hernando rate to the list price before any exemptions. Florida bills vary substantially after reassessment, homestead and other exemptions, and local taxing districts — this is not your expected bill. Confirm with the county property appraiser.
CDD assessment
None
No CDD assessment on record for this community.
Insurance (illustrative range)
$2k–$3k/yr
An illustrative modeled range, not based on carrier underwriting and not a quote. Florida premiums vary significantly by roof age, wind-mitigation features, claims history, and carrier — a real quote can land well outside this range. Flood insurance not federally mandated (Zone X). Get a quote from a licensed insurer before relying on any figure.
HOA
$12/mo
Covers the master association & common areas. Confirm exact dues and what they include.
Environmental data
Flood zone & elevation
Sourced environmental data for the parcel. Confirm with FEMA and your insurer.
FEMA flood zone
Zone X
From the FEMA National Flood Hazard Layer. In this zone lender-required flood insurance is generally not mandated; confirm for the parcel.
Ground elevation
~87 ft
Approximate parcel elevation from USGS; confirm exact elevation with a survey.
Windstorm / insurance
Obtain a quote
This is a coastal Florida county. Premiums and coverage vary by home; obtain a quote from a licensed insurer.
Connectivity
Internet & broadband
Fiber
Check availability
AT&T Fiber covers much of NE Florida; confirm availability at the address.
Cable
Likely
Xfinity/Spectrum cable broadband is widely available.
5G Home
Backup
T-Mobile / Verizon fixed-wireless as a backup option.
Seen enough photos?
Want to see 5517 GREYSTONE DRIVE?
Tell us when works for you and a local agent will reach out to arrange a showing and answer your questions about this home.
Listed by KELLER WILLIAMS REALTY- PALM HARBOR · MLS # TB8531374
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Market data · public records
Recent sales activity in STERLING HILL PH 1B
Recent comparable closed sales near this home, from public records. Summary figures are for general reference only and are not a valuation of this property. See the STERLING HILL PH 1B neighborhood guide for more.
Comparable sales found
3
Recent nearby closings in the data set.
Community median sale price
$408,000
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$146
Canonical 12-month median $/sq ft. Reference only.
Go deeper on STERLING HILL PH 1B
See schools, amenities, builders, HOA/CDD detail, and every active & sold home in the community — the single biggest advantage of buying here over a portal.
Recent local developments near this home, compiled from news and public sources. Provided for general information; verify details with the original source.
Jul 2026 · Infrastructure
Brooksville-Tampa Bay Regional Airport receives $13.6 million federal grant
The Brooksville-Tampa Bay Regional Airport received a $13.6 million federal grant from the U.S. Economic Development Administration for roads, drainage, utilities, electrical service, and converting an unused 5,000-foot runway into a modern taxiway. The work will prepare about 600 acres of airport land for aviation and aerospace company development.
Why it matters: Airport infrastructure funding readies roughly 600 acres for aviation and aerospace facilities, strengthening the area industrial and employment base. The project is about 4 miles southeast of Sterling Hill, elsewhere in Hernando County.
Board approves height allowance increase at One Hernando Center
The Hernando County Commission unanimously approved raising the maximum building height from 60 feet to 85 feet for One Hernando Center, a 146-acre industrial distribution development east of Kettering Road in Brooksville. The added height accommodates automated storage and retrieval systems for uses such as cold storage and manufacturing.
Why it matters: A 146-acre industrial distribution park advances with taller warehouse capacity, adding to the area logistics and manufacturing footprint. The project is about 5 miles northeast of Sterling Hill, elsewhere in Hernando County.
The Hernando County Board voted 4-0 on June 23 to approve two prototype fire station designs, a 3-bay and a 4-bay configuration, by KMF Architects at a Phase 1 design cost of about $296,902. The reusable prototypes are intended to speed and standardize future fire station construction countywide.
Why it matters: Standardized fire station prototypes aim to expedite future public safety facility construction across the county, supporting emergency service infrastructure as growth continues. The site is about 7 miles east of Sterling Hill.
Hernando School Board signs off on two large housing developments
On June 9 the Hernando County School Board approved school concurrency for two subdivisions between I-75 and Lockhart Road: Black Jack Ridge with up to 978 houses and Ginny Grove with up to 907 units. The board determined area schools have sufficient capacity to accommodate the new developments.
Why it matters: Two large residential subdivisions totaling roughly 1,885 homes are cleared to advance in the I-75 corridor, expanding the local housing supply pipeline. The project is about 9 miles east of Sterling Hill, elsewhere in Hernando County.
Schools currently assigned to this address in Hernando County, provided as neutral factual data. Assignments can change — confirm current zoning with the school district. This is not a statement about the home's suitability for any person or family.
Hernando County Public Schools (verify by address)Public · Hernando County School District
Confirm zoned elementary, middle, and highBy address · Hernando County School District
Magnet and choice options may applyChoice · Hernando County School District
How it stacks up
Comparable recent sales
Recent closed sales nearby, with photos, so you can compare. Sold prices are public record, deemed reliable but not guaranteed.
Sold Aug 2026
$365,000
5155 BRACKENWOOD DRIVE, SPRING HILL
4 / 3 bd/ba · 2,812 sq ft · $130/sq ft
Courtesy of PEOPLE'S TRUST REALTY · View details →
Sold Aug 2026
$408,000
14158 LEYBOURNE WAY, SPRING HILL
4 / 2 bd/ba · 2,172 sq ft · $188/sq ft
Courtesy of RE/MAX ALLIANCE GROUP · View details →
Sold Jul 2026
$432,000
14025 LEYBOURNE WAY, SPRING HILL
5 / 4 bd/ba · 2,959 sq ft · $146/sq ft
Courtesy of VERANDA REALTY GROUP · View details →
Community 12-month median: $146/sq ft. Shown for general reference only — this is not an appraisal or a statement of this home's value. Sold prices are public record and deemed reliable but not guaranteed.
If you rent it out
Investment snapshot
Objective rental and cash-flow estimates for a buyer weighing this as an investment. Rough figures for general information only — not a guarantee of rent, an appraisal, or investment advice. Verify independently.
Estimated rent$2,062 – $3,000/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.5%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$911 – −$67At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 5517 Greystone Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 2006 (20 years): ask for the roof and HVAC replacement dates — insurers commonly ask for roof age on homes this old, and it changes the premium.
HOA dues are listed at $12/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
FEMA flood zone X: flood insurance is not usually required, but get a quote anyway — FEMA reports roughly one in four flood claims come from outside high-risk zones.
Get a homeowners insurance quote for this specific address in Hernando County; a wind-mitigation inspection and, on older homes, a four-point inspection can change the premium.
Private pool: confirm the barrier or alarm meets the state residential pool safety code and ask for pump, heater, and resurfacing records.
Listed living area is 2,551 sq ft: verify it against the property appraiser's record and measure before relying on it.
Order a survey to confirm lot boundaries and easements.
Review permit history with the county.
Property taxes: the estimate on this page (about $4,725/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
Confirm school zoning directly with the district.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
SPRING HILL
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 6, 2026)
Community market stats
Stellar MLS closed sales, as of August 2, 2026
Flood zone & elevation
FEMA flood maps + USGS elevation (Zone X shown above)
Taxes & monthly cost
Estimated from county rates; not a quote
Insurance figure
Modeled estimate; obtain a real quote before offering
Schools
2025-26 district assignments; verify with the district
Momentum Research lines are our own analysis of Stellar MLS records; MLS data is deemed reliable but not guaranteed. Estimates are informational, not appraisals or advice. Methodology: how Momentum scores are computed.
Answered before you ask
Frequently asked questions
How big is 5517 Greystone Drive and when was it built?
Per the listing record, 5517 Greystone Drive was built in 2006 and has 2,551 sq ft of living area, 5 bedrooms and 3.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 5517 Greystone Drive in?
5517 Greystone Drive is in Sterling Hill Ph 1B in Spring Hill, Hernando County. The community section on this page shows recent closed sales, days on market, and active inventory for Sterling Hill Ph 1B from the same MLS data.
Does 5517 Greystone Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $12 per month. Dues, what they cover, and the community's rules should be confirmed from the association's current documents before relying on them.
Why might property taxes on 5517 Greystone Drive differ from the current owner's?
The estimate on this page (about $4,725 per year) assumes reassessment at the list price. Florida's Save Our Homes rule caps annual assessment increases for homesteaded owners, and the assessment resets after a sale, so a new owner's bill may differ from the seller's. Any tax figure shown here is an estimate, not the actual bill — confirm with the county property appraiser and tax collector.
Is 5517 Greystone Drive in a flood zone?
The FEMA flood map places this parcel in Zone X, outside the special flood hazard area, so flood insurance is not usually required by a lender. It is still available and worth quoting; confirm the parcel's status with FEMA and your insurer.
Can I rely on the figures on this page?
No. Estimated taxes, insurance, payments, and any market or comparable-sales summary are opinions and estimates for general information only and should not be relied upon. Verify all information independently before making any decision.
Ready when you are
See 5517 GREYSTONE DRIVE in person
Private tours available 7 days a week, in person or by live video walkthrough. Request a tour or send a question and a licensed Momentum Realty agent will follow up.
Opinion & estimate — do not rely on this page. Any figure on this page that is not a verbatim fact from the listing or a public record — including estimated property taxes, insurance, CDD/HOA amounts, mortgage payments, comparable-sales summaries, and market statistics — is an opinion and estimate provided for general informational purposes only. These figures may be inaccurate or out of date, are not appraisals, valuations, or financial, legal, tax, or investment advice, and should not be relied upon. Do not make any purchase, offer, financing, or other decision based on this page. Independently verify everything — price, square footage, lot size, year built, taxes, CDD/HOA, flood status, school assignments, permits, and community rules — with the listing broker, the county, your lender, a licensed inspector, an insurer, and your own advisors before acting.
Estimate methodology. Tax estimates apply a typical county millage rate to the list price and will differ from the actual assessed bill. Cost and market figures are derived from available data and simple calculations, not a professional appraisal. We make no representation that any estimate reflects fair market value.
Equal Housing Opportunity. Content on this page is compiled from public records, MLS data, and automated sources and may contain errors or be out of date. It is general information only, not a representation about any specific property, community, builder, or association. Verify information independently before relying on it. Momentum Realty supports the Fair Housing Act and does not discriminate on the basis of race, color, religion, sex, handicap, familial status, national origin, sexual orientation, or gender identity. Information about schools, distances, and amenities is provided as neutral factual data to help you research the property and is not a statement about who should or should not live here or the suitability of the home or neighborhood for any person or group. School data may change — confirm current assignments with the school district.
Found an error? If you are the owner, listing agent, or a party to this property and believe any information is inaccurate, email and we will review and correct or remove it promptly.
Automated content. Some summaries, distances, and estimates on this page are generated automatically from public and proprietary data sources and may contain errors or omissions. We strive for accuracy but cannot guarantee the completeness or accuracy of any information. Verify anything important independently.
No warranty; measurements & photos. No guarantee, warranty, or representation of any kind is made regarding the completeness or accuracy of any information, descriptions, or measurements on this page — including square-footage measurements and property condition — all of which should be independently verified through appropriate means, including in-person inspection and public records. Photographs may be virtually staged or digitally enhanced and may not reflect actual property conditions. Momentum Realty and its agents expressly disclaim any liability in connection with the information provided.
MLS / IDX. The data relating to real estate for sale on this web site comes in part from the Internet Data Exchange (IDX) program of the Stellar MLS Internet Data Exchange, as distributed by MLS GRID. Real estate listings held by brokerage firms other than Momentum Realty are marked with the listing broker's name and include the name of the listing agent. Data provided is deemed reliable but is not guaranteed by the MLS to be accurate. The information being provided is for consumers' personal, non-commercial use and may not be used for any purpose other than to identify prospective properties consumers may be interested in purchasing. Source: Stellar MLS, as distributed by MLS GRID. Listings courtesy of Stellar MLS as distributed by MLS GRID. All rights reserved.
Sold price and details are from public records and the MLS, deemed reliable but not guaranteed. Shown for comparison only — not an appraisal or a statement of this home's value.
