Single Family Residence in BERKLEY VILLAGE, HUDSON · No CDD
BERKLEY VILLAGE · HUDSON, FL 34667 · Pasco
Listing data updated September 12, 2026 · refreshed twice daily
4Bedrooms
2Bathrooms
2,292Sq Ft
1986Year Built
$185Per Sq Ft
Private pool2-car garageNo CDD4 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.
5% below
$/sq ft vs community
$185 here vs $194 median sold (12 mo)
Buyer leverage
Seller-leaning
2.4-month supply
2.4 months
Supply around this home
Seller <3 · balanced 3-6 · buyer >6
$2k–$4k/yr
Est. insurance · illustrative
Not a carrier quote; premiums vary widely by property. Get a real quote.
Above 5 of 5
Price vs recent sales
Asking $425k tops 5 of the last 5 closed sales; also one of the largest homes here at 2,292 sq ft
As of September 12, 2026, 8612 Braxton Drive in Berkley Village, Hudson is listed at $424,750 (2,292 sq ft, about $185 per sq ft). That is 27% above Berkley Village's median closed sale of $334,850 over the last 12 months (4 recorded sales). It came to market within the past week. Listing facts: built in 1986, a private pool, HOA dues of $33/mo. Figures are from the MLS record and county data; deemed reliable but not guaranteed.
No CDD assessment on record
Built 1986 · 40 yrs
2,292 sq ft of living area
2-car garage
Listed at $424,750 — recent neighborhood median sale price ~$334,850 (nearby sales; deemed reliable, not an appraisal)
Active listing
HOA $33/mo (per listing)
Momentum Research · Berkley Village
Pricing & the Berkley Village market
How this home is priced against recent nearby sales, and where Berkley Village 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.
Price vs. size in Berkley Village
Each dot is a closed sale since 2013 (42 total). This home is the gold marker.
Sale price (y) by living area in sq ft (x). Stellar MLS closed sales.
Median $/sq ft by year
Community sold $/sq ft, 2015–2026. This home lists at $185/sq ft.
Median sale price by year
12-month median closed price, 2015–2026.
Property timeline
This home’s history
1986BuiltPer public record
Sep 12, 2026First trackedObserved at $424,750
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
$2,841/mo
Principal & interest $2,206/mo78%
Taxes $372/mo13%
Insurance $230/mo8%
HOA $33/mo1%
$2,841/mo at 20% down, 30-yr @ 6.76% · edit any field to update.
Estimated from today’s asking price and current Pasco 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 $4,775/yr ($398/mo)
+$1,275 more each year
(+27%)
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
$5,687
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
50/100
Strongest on: Renovation upside (66), Price vs area (62)
0 limited50100 exceptional
50/100 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 area62
This home $185/sq ft vs the community 12-month median $194/sq ft.
Affordability5
List price $424,750 vs the community median $334,850. Not a measure of personal affordability.
Market liquidity54
Community median 78 days on market, ~2.4 months of supply (12-month record).
Renovation upside66
From a 1986 build and $185/sq ft vs the community median $194/sq ft. Not a condition assessment.
Pricing power61
Recent sales closed at about 95.9% of original asking (~4.1% below). More room below asking generally favors buyers.
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
🟡 Asking $185 per square foot, about 5% below the community’s $194 median. Berkley Village’s 12-month median sold price per square foot is $194. Median sold price per square foot is up 3.0% year over year. Confidence: Low · 4 closed sales in 12 monthsMLS facts: Stellar MLS closed sales. A per-square-foot gap is context, not an appraisal; condition, lot, and view set the final number here.
Recent Berkley Village sales closed near 95.9% of original asking.Why it matters: the community’s own record shows how far opening prices typically move, and how often buyers compete without financing.Momentum Research analysis of Stellar MLS records, community-level, 12 months ending September 12, 2026. Aggregates only; deemed reliable but not guaranteed.
What’s unique here: one of only 1 active listings in Berkley Village, no CDD assessment.
Updated September 12, 2026 · MLS facts carry their source; interpretation lines are Momentum Research · Data sources & freshness
Listing description
About this home
Virtually Staged. Welcome to this beautifully appointed Rutenberg Andrea II custom home, featuring a true 4-bedroom, 2-bathroom floor plan with a 2-car garage and a screened-in pool. Situated 21 feet above sea level in a non-flood zone, this exceptional property in a quiet, and well established neighborhood offers unparalleled peace of mind with LOW TAXED, LOW HOA, NO FLOOD, NO CDD and NO AGE RESTRICTIONS.
Step through the double-door entry to find soaring cathedral ceilings that create an immediate sense of grandeur. The thoughtfully designed split floor plan features an elegant formal living (pool table is negotiable) and dining area to the left, perfect for hosting guests. To the right, a spacious family room centers around an elevated, gas fireplace (gas has been turned off), flowing seamlessly into an open kitchen complete with a breakfast snack bar, sky lights, and 2 slider doors to the pool.
The generous primary suite serves as a private retreat, offering abundant closet space and a newly renovated en-suite bathroom with direct sliding-glass door access to the pool. (Vanity is staged. A new vanity will be installed in late Sept.) On the opposite side of the residence, three additional well-appointed bedrooms share a dedicated pool bath, ensuring comfort and privacy for family or guests.
A dedicated indoor laundry room includes a washer and dryer that convey with the sale. The outdoor oasis is designed for entertaining, centered around a pristine screened pool area perfect for creating lasting memories. The property also features an on-site irrigation system (and a well) to keep the landscaping lush year-round.
Recent high-value capital improvements include a brand-new roof (2026), fresh exterior and accent interior paint (2026), hot water tank: 2022 and an HVAC system replaced under warranty in 2018. Residents also enjoy access to a nearby clubhouse for neighborhood recreation and community events. Take advantage of retail shopping & restaurants nearby.
The Gulf of America along with many beaches are at your fingertips. A newer VA Outpatient hospital is located in the next town. MacDill Air Force Base, Busch Gardens, and Tampa (TIA) Airport, and St Pete/Clearwater (PIE) Airport are appx 50 miles away.
Two new leading edge technology centers will be opening: The Moffitt Cancer Center at SPEROS (opening Jan 2026) is a world-class state of the art facility with an expansion campus in Land O Lakes (Pasco County) and Richard M Schulze Family Foundation Proton Center (a therapy system) will be opening in the spring of 2026. Pasco County grants easy access to anywhere in central Florida. Your playground awaits!
Description provided by BILTMORE GROUP INC 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$424,750
Bed / bath4 / 2
Living area2,292 sq ft
Year built1986
Property typeSingle Family Residence
Garage2-car
PoolYes
MLS #TB8547256
Listing statusActive
Public records & third-party data
FEMA flood zoneNot verified — check msc.fema.gov
Windstorm exposureLow
CountyPasco
Area listings1 active · 0 under contract
Estimated first-year tax~$4,460/yr
CDD assessmentNone on record
HOA (per listing)$33/mo
Calculated estimates
Price per sq ft$185
Estimated monthly payment$2,841
Insurance (illustrative)$2k–$4k/yr
Comparable-sales median$334,850
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 BILTMORE GROUP INC · Listing agent: Shelly Hayden Mansfield · 727-559-2008Provided 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.
$391,932the mess$497,364
Actual list price: $424,750 — compare it against the range above. The Messtimate is a blind sqft estimate; the list price reflects this specific home.
A 27% spread on the same house — and that gap is exactly what an automated guess can't see:
Condition & updates — a 1986 home may have had its roof, kitchen, or HVAC replaced since, or not; sq ft can't see either.
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 $33/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:
2 active listings competing
≈2.4 months of supply
5 closed here in the last 12 months
For reference, this home is listed at $424,750 ($185/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: 2,292 sq ft × $171–$217/sq ft from recent nearby closed sales (public records). Estimate for general information only; not an appraisal, valuation, or offer. Updated September 12, 2026.
Keep looking
Similar homes for sale near BERKLEY VILLAGE
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 $424,750Momentum Realty · on market 0 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.)
~$4,460/yr
A rough first-year estimate only, applying a typical Pasco 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–$4k/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 zone not verified for this address — check msc.fema.gov and confirm coverage. Get a quote from a licensed insurer before relying on any figure.
HOA
$33/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
Not verified
Not yet verified for this address. Look up the parcel at msc.fema.gov before relying on any flood assumption.
Ground elevation
Not on record
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?
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Listed by BILTMORE GROUP INC · MLS # TB8547256
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Market data · public records
Recent sales activity in BERKLEY VILLAGE
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 BERKLEY VILLAGE neighborhood guide for more.
Comparable sales found
2
Recent nearby closings in the data set.
Community median sale price
$334,850
Canonical 12-month median closed price. Reference only.
Community median $/sq ft
$194
Canonical 12-month median $/sq ft. Reference only.
Go deeper on BERKLEY VILLAGE
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 · Development
Pomelo Square mixed-use community advances in Wesley Chapel
Ryan Cos. and PulteGroup are advancing Pomelo Square, a mixed use development at the northeast corner of Old Pasco Road and Overpass Road in Wesley Chapel. Plans call for 415 residential units made up of 325 apartments and 90 townhomes, about 42,000 square feet of retail, and a hotel pad. Completion is targeted for the first quarter of 2028.
Why it matters: Adds a mixed use community of apartments and townhomes with retail space and a hotel pad, expanding housing and commercial supply in a growing Pasco County corridor. The project is about 15 miles east of Berkley Village, elsewhere in Pasco County.
New mixed-use development planned on State Road 52 in central Pasco
A mixed-use development planned on State Road 52 in central Pasco County, next to Pilot Country Airport, would add 108 single-family homes, about 175,000 square feet of commercial and retail space, and a 120-room hotel, with completion expected around 2030.
Why it matters: A new mixed-use community adds housing, retail, and lodging along the State Road 52 corridor in central Pasco, the kind of growth that can shape demand and pricing for nearby communities. The site is about 6 miles east of Berkley Village.
Moffitt Cancer Center opens flagship outpatient center at its new Speros FL campus in Pasco
Moffitt Cancer Center held the grand opening of its flagship outpatient cancer center in January 2026 at Speros FL, its large new campus on State Road 52 in Pasco County. The campus is planned as a long-term life sciences and medical hub expected to bring substantial employment to the area.
Why it matters: A large new medical and life sciences campus is a long-term employment anchor for central Pasco, a structural demand driver for housing in the surrounding area. The site is about 2 miles east of Berkley Village.
Flagship breaks ground on 46,000-square-foot Wiregrass Ranch Medical Pavilion in Wesley Chapel
Flagship Healthcare Properties broke ground in January 2026 on a 46,000-square-foot medical pavilion at Wiregrass Ranch in Wesley Chapel, adding outpatient medical space to the growing State Road 56 corridor.
Why it matters: Added outpatient medical space along the State Road 56 corridor deepens healthcare access and professional employment in Wesley Chapel, an amenity factor that can support nearby housing demand. The project is about 14 miles southeast of Berkley Village, elsewhere in Pasco County.
Schools currently assigned to this address in Pasco 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.
GRADEB
Hudson Primary Academy (K-3)Assigned elementary school · Pasco County School District · Grade B (Florida DOE 2025-26)
GRADEB
Bayonet Point Middle-POAssigned middle school · Pasco County School District · Grade B (Florida DOE 2025-26)
GRADEC
Fivay High-POAssigned high school · Pasco County School District · Grade C (Florida DOE 2025-26)
Assigned schools per the MLS listing — assignments can change; confirm current zoning with the district. Browse school-zone pages →
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 Jul 2026
$344,700
8625 BERKLEY DRIVE, HUDSON
3 / 2 bd/ba · 1,816 sq ft · $190/sq ft
Courtesy of EXP REALTY LLC · View details →
Sold Apr 2026
$325,000
8523 BRAXTON DRIVE, HUDSON
3 / 2 bd/ba · 1,644 sq ft · $198/sq ft
Courtesy of STAR BAY REALTY CORP. · View details →
Community 12-month median: $194/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$1,947 – $2,832/moa rough gross-rent-yield range on list price (comp-based estimate coming).
Estimated cap rate4.3%Net operating income ÷ list price; excludes financing.
Est. monthly cash flow−$951 – −$155At 25% down, 30-yr; after a 10% vacancy/maintenance/management reserve.
Before you decide
Buyer research checklist
Items worth confirming for 8612 Braxton Drive, chosen from what the record shows. This is general guidance, not advice about this specific property.
Built in 1986 (40 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 $33/mo: request the current budget, reserves, and rules before relying on that figure or on any restriction.
Look up the parcel on FEMA's Flood Map Service Center and confirm with your insurer whether flood insurance is required.
Get a homeowners insurance quote for this specific address in Pasco 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 2,292 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 $4,460/yr) assumes reassessment at the list price; the seller's homestead cap does not transfer, so their current bill is not a guide.
School zoning shown here comes from district data and changes; confirm the assigned schools directly with the district before relying on them.
Nearby & commute
Approximate distances
Approximate drive times for general reference only.
City
HUDSON
Groceries, dining, and parks for this city — see the city guide.
Stellar MLS, refreshed twice daily (last: September 12, 2026)
Community market stats
Stellar MLS closed sales, as of September 12, 2026
Flood zone & elevation
Not verified for this address — look it up at msc.fema.gov
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 8612 Braxton Drive and when was it built?
Per the listing record, 8612 Braxton Drive was built in 1986 and has 2,292 sq ft of living area, 4 bedrooms and 2.0 bathrooms. Living area and lot size come from the MLS record and should be verified against the county property appraiser.
What community is 8612 Braxton Drive in?
8612 Braxton Drive is in Berkley Village in Hudson, Pasco County. The community section on this page shows recent closed sales, days on market, and active inventory for Berkley Village from the same MLS data.
Does 8612 Braxton Drive have an HOA, and how much are the dues?
The listing reports HOA dues of $33 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 8612 Braxton Drive differ from the current owner's?
The estimate on this page (about $4,460 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 8612 Braxton Drive in a flood zone?
A flood designation has not been verified for this address. Look up the parcel on FEMA's Flood Map Service Center (msc.fema.gov) and confirm with 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 8612 BRAXTON 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.
